Cost of Living: Oakland, CA vs McKinney, TX (2026)

Oakland

California
195
VS

McKinney

Texas
138

Oakland is 41% more expensive than McKinney.

$1,917/mo ↑ 4%
Median Rent
$1,841/mo ↓ 4%
$97,369/yr ↓ 19%
Median Income
$120,273/yr ↑ 24%
$924,700 ↑ 110%
Home Value
$439,500 ↓ 52%
$2,164/mo ↑ 3%
Owner Costs
$2,101/mo ↓ 3%
438,072
Population
202,314

Tax Comparison

13.3%
Income Tax
0%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
1.6%

Affordability

23.6%
rent-to-income
Affordability
18.4%
rent-to-income

Detailed Comparison

When comparing Oakland, CA and McKinney, TX, the overall cost of living indices are 195 and 138 respectively (national median = 100). Rent is $76/month cheaper in McKinney, saving renters about $912/year.

Median household income is $22,904/year higher in McKinney. Home values also differ significantly — the median in Oakland is $924,700 compared to $439,500 in McKinney.

Texas has no state income tax, giving McKinney residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Oakland vs McKinney — common questions

Is Oakland or McKinney cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 195 (US average = 100).
What is the rent difference between Oakland and McKinney?
Median rent in Oakland is $1,917/month and in McKinney it's $1,841/month — a difference of $76/month.
Which city has higher income, Oakland or McKinney?
Median household income is $97,369 in Oakland and $120,273 in McKinney. Median household income is $22,904/year higher in McKinney.
How do taxes compare between California and Texas?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Oakland or McKinney?
It depends on your priorities. Oakland has a cost index of 195 with median rent of $1,917/mo, while McKinney has a cost index of 138 with rent of $1,841/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Oakland details → View McKinney details →

More Comparisons

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