Most searched~$535K–$600K
McKinney, TX 75069 · 75070 · 75071 · 75072 · Collin County
McKinney, TX Homes for Sale & Real Estate
McKinney pairs a historic downtown square with large master plans, new industry, and a commercial airport opening in November 2026. Prices have eased to a $511,000 median, and nearly half of listings have taken a price cut, so buyers have room to negotiate.
$511,000Median sale priceDown 3.5% YoY, Aug 2026
236,001ResidentsCensus estimate, 2025
49 daysDays on marketAbout 97.7% of list price
1.71%Tax rateCity + McKinney ISD, 2026
Sources: Redfin (Aug 2026), U.S. Census, City of McKinney, McKinney ISD, Collin County. Market data changes monthly.
Live MLS listings · updated daily
McKinney homes for sale right now
Every active McKinney listing from the MLS. Narrow by price, jump to new construction or a neighborhood, or open the full search for beds, baths, pools, and more.
All McKinney homes
New construction
Under $400K
$400K–$650K
$650K–$1M
Luxury $1M+
Stonebridge Ranch
Craig Ranch
Trinity Falls
Painted Tree
Listing data from NTREIS via IDX Broker. Ask PJ about coming-soon and off-market homes in McKinney. Mailing addresses do not always match city limits, so PJ confirms city, school district, and tax rate on any home.
Free McKinney buyer consultation
Real clients, real closings800+ Collin County buyers helped.
Find the right McKinney home and the right loan
Share your budget, timeline, and preferred ISD. PJ will build a McKinney search with the full tax picture for each area and show loan options from more than 280 wholesale lenders.
- ISD and tax comparison for McKinney, Frisco, and Prosper ISD areas, including MUD and PID costs.
- New vs. resale math comparing builder incentives in Trinity Falls and Painted Tree with resale price cuts.
- Payment estimates built on 2026 tax rates and current wholesale loan pricing.
- Negotiation plan using days on market and price-drop history for each listing.
- One point of contact from pre-approval through closing, with no agent and lender handoff.
McKinney, Texas real estate
Why buyers choose McKinney, TX
McKinney is the Collin County seat, a city of about 236,000 people covering 67 square miles along US 75. It sits roughly 32 miles north of downtown Dallas, between Allen to the south and Melissa to the north, with Frisco and Prosper to the west.
The city has two sides. The historic downtown square and older east-side streets give it a small-town core. The west and north sides are master plans like Stonebridge Ranch, Craig Ranch, and Trinity Falls. Industry is growing fast too, with more than $1.1 billion in industrial projects permitted since 2020.
Median household income is $124,215, and 54.1% of adults hold a bachelor's degree. Most of the city is in McKinney ISD, rated B by TEA in 2026. West-side pockets fall in Frisco or Prosper ISD, so zoning changes the price and the tax bill.
236,001Residents, up from 195,308 in 2020
236,001Residents today
$124,215Median household income
54.1%Adults with a bachelor's degree
27.8 minAverage commute to work
Location
McKinney runs along US 75 in central Collin County, about 32 miles north of downtown Dallas. SH 121 serves the southwest side near Craig Ranch, and US 380 crosses the north side toward Prosper and Princeton.
Jobs
Lite-On is building a $919 million plant with 600-plus jobs, Encore Wire is expanding its campus by $250 million, and new industrial parks are rising along SH 121.
What's next
McKinney National Airport opens its $79 million terminal with Avelo flights on Nov. 11, 2026. The 20,000-seat Sunset Amphitheater on US 75 is expected to open in 2027.
Two kinds of McKinney
A historic square and new master plans
East-side streets near the downtown square hold older homes and local shops. The west and north sides offer golf communities, lake amenities, and new builder collections from the $300Ks to about $1 million.
Historic downtownMaster plansNew constructionCollin County seat
McKinney housing market · fall 2026
Is now a good time to buy a home in McKinney?
Conditions favor buyers more than they did a year ago. The median sale price fell 3.5% to $511,000 in August 2026, and 48% of listings took a price cut. Homes sold for about 97.7% of list after 49 days. Sellers in older resale areas often cover closing costs or rate buydowns.
$511,000Median sale price, Aug 2026 (down 3.5% YoY)
49 daysMedian days on market (52 a year ago)
97.7%Sale-to-list price ratio
48.2%Listings with a price drop
11.8%Homes sold above list price
$202Median price per sq ft (down 1.2% YoY)
49Redfin Compete Score, somewhat competitive
$2,738Average rent, ZIP 75071, Sept 2026
Sources: Redfin McKinney market page (Aug 2026), HAR.com ZIP 75071 (Sept 2026). Redfin city data may include McKinney addresses outside city limits.
Neighborhood guide
Best neighborhoods in McKinney, TX
McKinney's neighborhoods range from older homes near the downtown square to brand-new master plans. Price, ISD, and special district taxes vary widely from one to the next.
Most searched
Golf & SH 121~$550K
New construction~$550K; new from ~$385K
Builder variety~$612K; new from ~$318K
Near trailsNew from ~$560K
Historic homes~$720K
Low turnover~$770K
Luxury village~$1M
Established~$605K
Value west side~$495K
Mid-priced resale~$490K
Entry price~$410K
Free comparison
Not sure which neighborhood fits?
Get a side-by-side of prices, school zoning, taxes, and HOA or PID costs for the McKinney neighborhoods in your budget.
Get my comparisonPhotos are representative, not the specific neighborhood. Resale prices are median sale prices from Homes.com and Redfin neighborhood pages (Jun–Oct 2026). New construction prices are builder starting prices from NewHomeSource and Highland Homes. Small neighborhoods have few sales, so treat those prices as rough. Verify school zoning by address.
Lifestyle
Weekends on the square, trails at Erwin Park
Downtown McKinney's square has local restaurants, shops, and events. Erwin Park draws mountain bikers, B.B. Owen Park in Trinity Falls has 350 acres of trails and lakes, and a major amphitheater is coming in 2027.
Downtown squareMountain bikingGolfLive music in 2027
Property taxes
McKinney property tax rate explained
Inside city limits in McKinney ISD, the 2026 rate is about 1.71% before exemptions. The school rate includes a 3.17-cent piece that goes to voters on Nov. 3, 2026. Frisco and Prosper ISD areas differ, and some newer communities add MUD or PID taxes.
McKinney ISD 1.0664
City of McKinney 0.4123
Collin County (approx.) 0.151
Collin College 0.0812
| Taxing entity (2026) | Rate per $100 |
|---|---|
| McKinney ISD | 1.0664 |
| City of McKinney | 0.412284 |
| Collin County (approx.) | 0.151 |
| Collin College | 0.08122 |
| Total, McKinney ISD | ≈ 1.71% |
| Total if MISD Prop A fails | ≈ 1.68% |
| Total with Frisco ISD | ≈ 1.66% |
| Total with Prosper ISD | ≈ 1.85% |
Sources: McKinney ISD election financial page (2026-27 rate, Aug 2026); City of McKinney rate adopted Sept. 1, 2026 (Community Impact); Collin County rate adopted Sept. 14, 2026 (reported as about $0.151); Collin College, Aug. 25, 2026; Frisco ISD and Prosper ISD 2026-27 rates (Community Impact).
Exemptions and special districts
- Homestead: Texas school districts exempt $140,000 of a primary home's value. File with the Collin Central Appraisal District after you move in.
- Over 65 or disabled: Qualifying owners get an extra $60,000 school exemption and a school tax ceiling that limits future increases.
- MUD and PID areas: Some newer communities, especially outside city limits, add a MUD or PID tax or assessment. Ask for the seller's district notice before you make an offer.
How to win the right McKinney home in this market
McKinney rewards buyers who compare ISD, special district taxes, and builder incentives side by side. With many listings reduced, the negotiation often matters as much as the price.
- Pick your ISD firstMcKinney, Frisco, and Prosper ISD areas differ in price and tax rate. Confirm zoning by address before touring.
- Check the full tax rateAdd any MUD or PID tax to the city and school rate. A higher rate can cost more than a lower price saves.
- Compare builder incentivesTrinity Falls, Painted Tree, and Ridgeline builders compete. Compare rate buydowns and closing cost credits, not just base price.
- Use price-cut leverageAbout 48% of listings have reduced their price. Listings that have sat for weeks are good candidates for seller credits.
- Watch the Nov. 3 voteMcKinney ISD's Prop A and $500 million bond affect future school taxes. Factor the result into long-term cost estimates.
Estimate your McKinney payment
$0/ month
- Principal + interest (30-yr)
- $0
- Property tax
- $0
- Homeowners insurance (est.)
- $0
- HOA + PID
- $0
Estimate only, not a loan offer. Uses the 2026 McKinney ISD plus City of McKinney combined rate before exemptions. Insurance assumes 0.6% of price per year; mortgage insurance isn't included. Rates change daily.
Schools, commute, and lifestyle
Living in McKinney, TX: what to know
Parks and trails
Erwin Park is a regional mountain biking spot. B.B. Owen Park in Trinity Falls has 350 acres with hiking and bike trails, fishing lakes, and disc golf.
Downtown square
The historic square around the old Collin County courthouse has local restaurants, boutiques, and community events within walking distance of older neighborhoods.
Golf and entertainment
TPC Craig Ranch anchors the southwest side. Venu's $334 million Sunset Amphitheater on US 75 is expected to open in 2027 with up to 20,000 seats.
McKinney ISD
Rated B by TEA for 2025-26, its fifth straight B. Nine of 33 campuses earned an A, including all three high schools. Voters decide a $500 million bond and tax ratification on Nov. 3, 2026.
Frisco and Prosper ISD
Parts of west McKinney are zoned to Frisco ISD or Prosper ISD. Prosper ISD earned an A from TEA for 2025-26. These areas carry different school tax rates, so check zoning by address.
Utilities
City water rates rose 9% and wastewater rates 11% on Oct. 1, 2026. Base charges are $21.60 for water and $31.20 for wastewater each month, plus usage.
2026
McKinney National Airport opens its $79 million terminal Nov. 11, with Avelo flights to nine destinations by December.
2026
McKinney ISD voters decide a $500 million bond package and a tax ratification election on Nov. 3.
2027
Lite-On plans to open its $919 million McKinney plant, adding 600-plus jobs over several years.
2027
The 20,000-seat Sunset Amphitheater on US 75 is expected to open after a $334 million build.
Getting around
US 75 is the main route south to Plano, Richardson, and Dallas. SH 121 links southwest McKinney to Frisco and DFW Airport. US 380 serves the north side, and the city airport adds commercial flights starting November 2026.
- Downtown Dallas ~40 min off-peak
- DFW Airport ~45 min off-peak
- Frisco ~20 min off-peak
- Plano Legacy ~25 min off-peak
An honest look
Pros and cons of living in McKinney
Pros
- Median price down 3.5%, giving buyers more leverage
- Historic downtown square with local restaurants and shops
- All three McKinney ISD high schools rated A
- Wide range from $300K new builds to $1M
- Commercial flights from McKinney National Airport in 2026
- Growing local jobs in manufacturing and industry
Cons
- US 75 traffic slows rush-hour commutes to Dallas
- McKinney ISD rated B overall, campuses vary widely
- MUD or PID taxes in some newer communities
- School zoning splits across several ISDs
- Water and wastewater rates rose in October 2026
- Thin resale data in small luxury enclaves
Your McKinney real estate agent
One expert for the home and the loan
PJ Zaji is a Texas REALTOR® (Lic# 631862-SA) with Monument Realty and a mortgage loan originator with NEXA Mortgage (NMLS #2280005). In McKinney, that means one person compares a resale in Stonebridge Ranch with a builder deal in Trinity Falls, adds the real tax rate, and shops more than 280 wholesale lenders for the loan.
- One contact for the home search, offer, and loan, with no handoffs
- Side-by-side payments that include ISD, MUD, and PID taxes
- Builder incentive reviews against wholesale loan pricing
FAQ
McKinney, TX real estate: common questions
Still have a question?
Text PJ at 469-817-6060 for a straight answer on any McKinney home, neighborhood, or loan question.
Call or text PJWhat is the median home price in McKinney, TX?
Redfin reports a median sale price of $511,000 for August 2026, down 3.5% from a year earlier. West McKinney (75072) runs higher at about $559,000, while the southwest and north ZIPs have medians in the mid-$400Ks.
Is McKinney a good place to live?
Many buyers choose McKinney for its historic downtown, parks like Erwin Park, and range of housing. Median household income is $124,215. Trade-offs include US 75 traffic, a B-rated school district overall, and special district taxes in some newer communities.
Is now a good time to buy in McKinney?
Buyers have more leverage than a year ago. Prices fell 3.5%, homes took a median 49 days to sell, and about 48% of listings had a price cut in August 2026. That opens room for seller credits and rate buydowns.
What school districts serve McKinney?
Most of the city is in McKinney ISD, rated B by TEA for 2025-26, with all three high schools rated A. Parts of west McKinney are in Frisco ISD or Prosper ISD. Always confirm zoning by address.
What is the property tax rate in McKinney?
Inside city limits in McKinney ISD, the 2026 combined rate is about 1.71% before exemptions. That includes McKinney ISD, the city, Collin County, and Collin College. Frisco ISD areas run about 1.66%, and Prosper ISD areas about 1.85%.
What is McKinney ISD's Prop A?
Prop A is a tax ratification election on Nov. 3, 2026, covering 3.17 cents of the school rate. It funds about $4.1 million a year for teacher pay and programs. If it fails, the 2026 combined rate would be about 1.68%.
Do McKinney homes have MUD or PID taxes?
Some do, mostly newer master plans and areas outside city limits. A MUD or PID adds a tax or assessment on top of the city and school rate. Ask for the seller's or builder's district notice and check the Collin CAD record before you offer.
Where is new construction in McKinney?
Most new building is on the north side. Painted Tree has 16 builder collections from about $318K. Trinity Falls has homes from about $385K, and Ridgeline near Erwin Park starts around $560K.
How long is the commute from McKinney to Dallas?
Downtown Dallas is about 32 miles south on US 75. Plan on about 40 minutes off-peak and longer at rush hour. Frisco is about 20 minutes away via SH 121, and DFW Airport about 45 minutes.
Does McKinney have its own airport?
Yes. McKinney National Airport opens a $79 million passenger terminal on Nov. 11, 2026. Avelo Airlines will fly to Las Vegas, Orlando, Tampa, Fort Lauderdale, and Fort Myers, with Atlanta, Denver, Nashville, and New Orleans added in December.
What are the most popular neighborhoods in McKinney?
Stonebridge Ranch and Craig Ranch are the most established west-side choices, at roughly $535K to $600K. Trinity Falls and Painted Tree lead new construction. Buyers seeking character look at the Historic District near the square.
Keep exploring
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