McKinney vs Nampa
Cost of Living Comparison · 2026
McKinney
Nampa
The Verdict
The cost gap between these cities is 6.7%, with Nampa being the more affordable option. A $75,000 income in McKinney has equivalent purchasing power to $70,313 in Nampa.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in McKinney has the same purchasing power as $70,313 in Nampa.
Conversely, $75,000 in Nampa equals $80,000 in McKinney.
Living in McKinney vs Nampa
Housing Costs
McKinney's housing index of 140 is higher Nampa's 104, translating to median home prices of $472,000 vs $371,000. The $101,000 difference in home prices means roughly $6,564 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,900/mo in McKinney compared to $1,500/mo in Nampa, a monthly difference of $400.
Grocery & Food Costs
Grocery expenses index at 97 in McKinney and 105 in Nampa. A household spending the national average of $475/month on groceries would pay approximately $461/month in McKinney vs $499/month in Nampa. McKinney offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 113 in McKinney and 83 in Nampa. Monthly utility bills average approximately $452 in McKinney vs $332 in Nampa. 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 129 in McKinney and 102 in Nampa. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 27-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $124,200 in McKinney and $74,300 in Nampa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $110,893 and $70,762 respectively. McKinney residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,898/month to housing in McKinney vs $1,734/month in Nampa. In McKinney, median rent of $1,900/mo fits within this budget. In Nampa, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 36 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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