Is McKinney, TX cheaper than Tucson, AZ?

Based on cost of living data, McKinney, TX is 8.2% more expensive than Tucson, AZ. This translates to spending an extra $612 per month.

What salary do I need in McKinney, TX to live like I do in Tucson, AZ?

If you earn $150,000 in Tucson, AZ, you'd need approximately $157,346.939 in McKinney, TX to maintain the same standard of living.

How does housing cost compare between Tucson, AZ and McKinney, TX?

Housing in McKinney, TX is 15.9% more expensive than in Tucson, AZ. For a two-bedroom apartment, rent is $1,600/month in McKinney, TX compared to $1,460/month in Tucson, AZ.

How much can I save per month by moving from Tucson, AZ to McKinney, TX?

Living in McKinney, TX costs approximately $612 more per month than Tucson, AZ, or $7347 more per year, based on a $150,000 salary.

Tucson, AZ vs McKinney, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Tucson, AZ

Numbers update automatically as you type

You'd spend $612/month more in McKinney, TX

$150.0K in your current city equals $157.3K in McKinney, TX

Rent data from HUD ZIP-level estimates · COL index from Tucson, AZ area

Overall Cost

↑ 8.2%

More expensive

Monthly Impact

$612

Extra cost

Annual Impact

$7.3K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Tucson, AZ

Population:548K

Cost Index:

100

100 = national average

Median Home:$327K

McKinney, TX

Population:214K

Cost Index:

108

(8% above avg)

Median Home:$496K

Tucson, AZ

The Grand Canyon State

548K

Population

State Tax

Yes

Located in Arizona, this city has a population of 548K residents.

McKinney, TX

The Lone Star State

214K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 214K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Tucson, AZ vs McKinney, TX

Category	Tucson, AZ	McKinney, TX	Difference	Change
Housing	$2,287/mo	$2,651/mo	↑ $364more	15.9%
All Utilities	$486/mo	$563/mo	↑ $76.50more	15.7%
Other	$1,858/mo	$1,925/mo	↑ $66.96more	3.6%
Healthcare	$570/mo	$632/mo	↑ $61.96more	10.9%
Groceries	$1,029/mo	$979/mo	↓ $49.96less	4.9%
Transportation	$1,325/mo	$1,298/mo	↓ $27.32less	2.1%

Housing

↑ 15.9%

Tucson, AZ

$2,287

McKinney, TX

$2,651

Difference

$364

All Utilities

↑ 15.7%

Tucson, AZ

$486

McKinney, TX

$563

Difference

$76.50

Other

↑ 3.6%

Tucson, AZ

$1,858

McKinney, TX

$1,925

Difference

$66.96

Healthcare

↑ 10.9%

Tucson, AZ

$570

McKinney, TX

$632

Difference

$61.96

Groceries

↓ 4.9%

Tucson, AZ

$1,029

McKinney, TX

$979

Difference

$49.96

less

Transportation

↓ 2.1%

Tucson, AZ

$1,325

McKinney, TX

$1,298

Difference

$27.32

less

🏠Rent Comparison

Studio

From$1,010

To$1,100

↑ $90.00

1 Bed

From$1,130

To$1,300

↑ $170

2 Bed

From$1,460

To$1,600

↑ $140

3 Bed

From$2,030

To$2,200

↑ $170

Tucson, AZZIP-level data

1BR range: $830–$1,620/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,556

Monthly in Tucson, AZ

$8,048

Monthly in McKinney, TX

$492

Difference

Home Values

Tucson

McKinney

$327K

Median Value

↓ -3%

YoY Change

↑ +29.6%

5-Year Change

$229K - $722K

Price Range

Calculate payment - Tucson

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

Tucson, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

McKinney, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Tucson, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

McKinney, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.