Fresno vs McKinney
Cost of Living Comparison · 2026 Data
Fresno
McKinney
💡 The Verdict
McKinney is 13% cheaper than Fresno overall. A $75,000 salary in Fresno is equivalent to $65,187 in McKinney.
Category-by-Category Breakdown
Index values for Fresno (left) vs McKinney (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Fresno versus McKinney. Differences shown from Fresno perspective.
| Item | Fresno | McKinney | Difference |
|---|---|---|---|
| 1-Bed Rent | $930/mo | $850/mo | +$80.00 |
| 2-Bed Rent | $1,300/mo | $1,180/mo | +$120.00 |
| 3-Bed Rent | $1,660/mo | $1,550/mo | +$110.00 |
| Bread (loaf) | $2.80 | $2.77 | +$0.03 |
| Milk (gallon) | $3.98 | $3.39 | +$0.59 |
| Eggs (dozen) | $3.27 | $3.51 | $-0.24 |
| Coffee (latte) | $5.81 | $5.64 | +$0.17 |
| Gas (gallon) | $3.34 | $3.16 | +$0.18 |
| Restaurant Meal | $14.87 | $16.65 | $-1.78 |
💰 Salary Equivalence
A $75,000 salary in Fresno has the same purchasing power as $65,187 in McKinney.
Conversely, $75,000 in McKinney equals $86,290 in Fresno.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $4651 difference is driven by California having a higher state income tax rate. California details → · Texas details →
Reading These Numbers: Fresno (107) vs McKinney (93)
Fresno at 107 is 7% above the US average, while McKinney at 93 is 7% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Fresno, the composite index of 107 reflects a weighted calculation where housing carries the most influence at 111, followed by groceries (101), utilities (106), transportation (109), and healthcare (100). Costs are fairly balanced across categories.
For renters: With median rents of $1,300/mo in Fresno and $1,180/mo in McKinney, the annual rent difference is approximately $1,440.0. Over a 5-year period, that compounds to $7,200.0 in savings by choosing the more affordable city.
For homebuyers: The $8,000.0 difference in median home prices between Fresno and McKinney translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Fresno vs McKinney
Choosing between Fresno and McKinney involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Fresno versus McKinney depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.