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Cost of Living Comparison: McKinney, TX vs. California Cities

Moving from California to McKinney, Texas, can be a significant change, especially when it comes to the cost of living. Many Californians are drawn to McKinney for its affordable lifestyle without sacrificing the quality of life. Let's dive into a detailed comparison of the cost of living between McKinney and various California cities.

Housing Costs

McKinney: The housing market in McKinney is one of the most attractive aspects for Californians. The median home price is considerably lower than in most California cities. Renters also find more space for their money, with larger apartments and homes available for a fraction of the cost.

California Cities: Housing in California is notoriously expensive, with cities like San Francisco, Los Angeles, and San Diego having some of the highest prices in the nation. The median home price in these cities can be more than double or even triple that of McKinney.

Utilities and Services

McKinney: Utilities in McKinney, including electricity, heating, cooling, and water, tend to be lower than the California average. Texas's deregulated energy market allows consumers to choose their providers, often leading to competitive rates.

California Cities: Californians are used to high utility bills, partly due to the state's environmental regulations and partly because of the higher cost of living. Additionally, water costs can be high in areas where scarcity is an issue.


McKinney: Owning a car is more of a necessity in McKinney due to its suburban layout. However, the cost of gasoline and car maintenance is generally lower than in California. McKinney also has less traffic congestion, which can mean lower transportation stress and costs over time.

California Cities: California is known for its traffic jams, high gas prices, and expensive parking fees, especially in major cities. Public transportation options are more abundant but can still be costly, depending on the city.

Food and Groceries

McKinney: The cost of groceries in McKinney is lower, with Texas not imposing a sales tax on food products. Dining out is also more affordable, with a variety of restaurants offering diverse cuisine at reasonable prices.

California Cities: Food costs in California are above the national average, with dining out being a significant expense. Even groceries can be pricey, especially for organic and specialty items that are more common in California markets.


McKinney: Healthcare costs in McKinney are generally lower than in California. Texas has a competitive healthcare market, which can help keep costs down for everything from doctor's visits to prescription drugs.

California Cities: California's healthcare is excellent but comes at a premium. Insurance premiums, deductibles, and out-of-pocket expenses can be significantly higher than in McKinney.


McKinney: Texas is known for having no state income tax, which can mean significant savings for residents. Property taxes are higher than in some states, but overall tax burdens are often lower than in California.

California Cities: Californians bear one of the highest tax burdens in the country, with high state income taxes and sales taxes. Property taxes are controlled by Proposition 13, but overall tax expenses can still be hefty.

Lifestyle and Miscellaneous

McKinney: The overall cost for entertainment, clothing, and services in McKinney is more budget-friendly. The city offers a range of activities that are either free or low-cost, contributing to a lower cost of living.

California Cities: Lifestyle expenses in California can be high, with entertainment, fitness, and personal care services costing more. The state's focus on wellness and outdoor activities often comes with a higher price tag.


For Californians considering a move to McKinney, TX, the cost of living is a compelling factor. While the lifestyle in California has its perks, McKinney offers a more affordable way of life without compromising on the amenities and quality that residents desire. Lower housing costs, reduced tax burdens, and a competitive market for goods and services make McKinney an attractive destination for those looking to stretch their dollar further. Please call us at 469-269-6541 for more details about McKinney and available homes!

Homes For Sale in McKinney, TX

Pulte Homes For Sale in Highland Lakes in McKinney, TX


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About us: McKinney New Construction Expert Real Estate Agent

As a Top Real Estate Professional in McKinney, I understand the challenges that arise when buying a new construction home. There are over 100 builders in the DFW area. I work with most of the new home builders in McKinney and understand how various builders operate. I am familiar with the options they offer, current incentives and I frequently visit the upcoming communities they are building. I guide my clients through all steps of the new home construction process and aggressively protect their interests in the transaction.

As a holder of top real estate industry certifications and designations like CRS, ABR & GRI, I can offer my clients experience as a Buyer's Agent and REALTOR®, top Industry Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism in my business.

Whether you are a first time buyer in McKinney looking to buy a home in Highland Lakes or whether you are relocating to McKinney from California or moving your entire family from areas like San Francisco, Fremont, Palo Alto, Los Angeles, San Diego in California due to job transfer with your company, I can help you find a new construction home in Highland Lakes in McKinney. Our relocation team eases the transition - whether you are moving across town or across the globe. We will work with you to find an area that best suits your professional, family and lifestyle needs. We have all the tools you need to help your home search. Whether it is video previews of homes, extended work hours, digital signatures for documents or more, we can make this process as comfortable as possible no matter where you are located.

What is most important to you in your new construction home in Highland Lakes in McKinney? Send us an email at info@NitinGuptaDFW.com or give us a call at (469) 269-6541 to schedule a no obligation consultation. We’ll give you honest advice about Highland Lakes community that you can use to help make your home buying decision.

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