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

San Bernardino

California
109
VS

McKinney

Texas
138

San Bernardino is 21% cheaper than McKinney.

$1,433/mo ↓ 22%
Median Rent
$1,841/mo ↑ 28%
$63,988/yr ↓ 47%
Median Income
$120,273/yr ↑ 88%
$384,900 ↓ 12%
Home Value
$439,500 ↑ 14%
$1,478/mo ↓ 30%
Owner Costs
$2,101/mo ↑ 42%
221,774
Population
202,314

Tax Comparison

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

Affordability

26.9%
rent-to-income
Affordability
18.4%
rent-to-income

Detailed Comparison

When comparing San Bernardino, CA and McKinney, TX, the overall cost of living indices are 109 and 138 respectively (national median = 100). Rent is $408/month cheaper in San Bernardino, saving renters about $4,896/year.

Median household income is $56,285/year higher in McKinney. Home values also differ significantly — the median in San Bernardino is $384,900 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

San Bernardino vs McKinney — common questions

Is San Bernardino or McKinney cheaper to live in?
Based on our cost index, San Bernardino is cheaper to live in with an index of 109 compared to 138 (US average = 100).
What is the rent difference between San Bernardino and McKinney?
Median rent in San Bernardino is $1,433/month and in McKinney it's $1,841/month — a difference of $408/month.
Which city has higher income, San Bernardino or McKinney?
Median household income is $63,988 in San Bernardino and $120,273 in McKinney. Median household income is $56,285/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 San Bernardino or McKinney?
It depends on your priorities. San Bernardino has a cost index of 109 with median rent of $1,433/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 San Bernardino details → View McKinney details →

More Comparisons

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