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

San Francisco

California
267
VS

McKinney

Texas
138

San Francisco is 93% more expensive than McKinney.

$2,419/mo ↑ 31%
Median Rent
$1,841/mo ↓ 24%
$141,446/yr ↑ 18%
Median Income
$120,273/yr ↓ 15%
$1,380,500 ↑ 214%
Home Value
$439,500 ↓ 68%
$2,620/mo ↑ 25%
Owner Costs
$2,101/mo ↓ 20%
836,321
Population
202,314

Tax Comparison

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

Affordability

20.5%
rent-to-income
Affordability
18.4%
rent-to-income

Detailed Comparison

When comparing San Francisco, CA and McKinney, TX, the overall cost of living indices are 267 and 138 respectively (national median = 100). Rent is $578/month cheaper in McKinney, saving renters about $6,936/year.

Median household income is $21,173/year higher in San Francisco. Home values also differ significantly — the median in San Francisco is $1,380,500 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 Francisco vs McKinney — common questions

Is San Francisco or McKinney cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 267 (US average = 100).
What is the rent difference between San Francisco and McKinney?
Median rent in San Francisco is $2,419/month and in McKinney it's $1,841/month — a difference of $578/month.
Which city has higher income, San Francisco or McKinney?
Median household income is $141,446 in San Francisco and $120,273 in McKinney. Median household income is $21,173/year higher in San Francisco.
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 Francisco or McKinney?
It depends on your priorities. San Francisco has a cost index of 267 with median rent of $2,419/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 Francisco details → View McKinney details →

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