Fort Collins vs McKinney

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Fort Collins has the same purchasing power as $72,414 in McKinney.

Conversely, $75,000 in McKinney equals $77,679 in Fort Collins.

Living in Fort Collins vs McKinney

Housing Costs

Fort Collins's housing index of 142 is higher McKinney's 140, translating to median home prices of $531,000 vs $472,000. The $59,000 difference in home prices means roughly $3,840 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Fort Collins compared to $1,900/mo in McKinney, a monthly difference of $275.

Grocery & Food Costs

Grocery expenses index at 100 in Fort Collins and 97 in McKinney. A household spending the national average of $475/month on groceries would pay approximately $475/month in Fort Collins vs $461/month in McKinney. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 87 in Fort Collins and 113 in McKinney. Monthly utility bills average approximately $348 in Fort Collins vs $452 in McKinney. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 97 in Fort Collins and 129 in McKinney. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 32-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $74,800 in Fort Collins and $124,200 in McKinney. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,483 and $110,893 respectively. McKinney residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,745/month to housing in Fort Collins vs $2,898/month in McKinney. In Fort Collins, median rent of $1,625/mo fits within this budget. In McKinney, median rent of $1,900/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 32 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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