Cost of Living: Rochester, NY vs McKinney, TX (2026)

Rochester

New York
61
VS

McKinney

Texas
138

Rochester is 56% cheaper than McKinney.

$1,039/mo ↓ 44%
Median Rent
$1,841/mo ↑ 77%
$46,628/yr ↓ 61%
Median Income
$120,273/yr ↑ 158%
$120,600 ↓ 73%
Home Value
$439,500 ↑ 264%
$1,009/mo ↓ 52%
Owner Costs
$2,101/mo ↑ 108%
209,720
Population
202,314

Tax Comparison

10.9%
Income Tax
0%
4.0%
State Sales Tax
6.25%
1.62%
Property Tax
1.6%

Affordability

26.7%
rent-to-income
Affordability
18.4%
rent-to-income

Detailed Comparison

When comparing Rochester, NY and McKinney, TX, the overall cost of living indices are 61 and 138 respectively (national median = 100). Rent is $802/month cheaper in Rochester, saving renters about $9,624/year.

Median household income is $73,645/year higher in McKinney. Home values also differ significantly — the median in Rochester is $120,600 compared to $439,500 in McKinney.

Texas has no state income tax, giving McKinney residents a significant tax advantage over New York's 10.9% rate.

Frequently Asked Questions

Rochester vs McKinney — common questions

Is Rochester or McKinney cheaper to live in?
Based on our cost index, Rochester is cheaper to live in with an index of 61 compared to 138 (US average = 100).
What is the rent difference between Rochester and McKinney?
Median rent in Rochester is $1,039/month and in McKinney it's $1,841/month — a difference of $802/month.
Which city has higher income, Rochester or McKinney?
Median household income is $46,628 in Rochester and $120,273 in McKinney. Median household income is $73,645/year higher in McKinney.
How do taxes compare between New York and Texas?
New York has 10.9% income tax, 4.0% sales tax, and 1.62% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Rochester or McKinney?
It depends on your priorities. Rochester has a cost index of 61 with median rent of $1,039/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 Rochester details → View McKinney details →

More Comparisons

Other cost of living comparisons for Rochester and McKinney

Rochester vs. Frisco Rochester vs. Fayetteville Rochester vs. Moreno Valley Rochester vs. Yonkers Rochester vs. Fontana Rochester vs. Cape Coral McKinney vs. Little Rock McKinney vs. Augusta McKinney vs. Salt Lake City McKinney vs. Oxnard McKinney vs. Columbus McKinney vs. Amarillo