Fargo ND vs McKinney TX — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Fargo, ND
North Dakota · Population: 129,064
- Median HH Income$66,029
- Median Home Price$318,584
- Unemployment3.9%
- Bachelor's+43.2%
McKinney, TX
Texas · Population: 148,848
- Median HH Income$71,843
- Median Home Price$487,346
- Unemployment4.8%
- Bachelor's+18.5%
Detailed Comparison
Demographics
Population
Fargo
129,064
McKinney
148,848
McKinney +
Pop. Density / sq mi
Lower = more space
Fargo
N/A
McKinney
N/A
Median Age
Fargo
32.2
Fargo +
McKinney
33.4
Foreign Born
Fargo
9.7%
McKinney
21.0%
McKinney +
White
Fargo
80.8%
Fargo +
McKinney
37.8%
Black
Fargo
8.3%
McKinney
24.7%
McKinney +
Asian
Fargo
3.9%
Fargo +
McKinney
3.0%
Hispanic
Fargo
3.7%
McKinney
44.7%
McKinney +
Spanish at Home
Fargo
N/A
McKinney
N/A
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Population | 129,064 | 148,848 | McKinney + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 32.2 | 33.4 | Fargo + |
| Foreign Born | 9.7% | 21.0% | McKinney + |
| White | 80.8% | 37.8% | Fargo + |
| Black | 8.3% | 24.7% | McKinney + |
| Asian | 3.9% | 3.0% | Fargo + |
| Hispanic | 3.7% | 44.7% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Fargo
$66,029
McKinney
$71,843
McKinney +
Per Capita Income
Fargo
$42,212
Fargo +
McKinney
$29,291
Per Capita Personal Income (MSA)
BEA MSA-level
Fargo
$71,089
Fargo +
McKinney
$63,758
Unemployment Rate
Fargo
3.9%
Fargo +
McKinney
4.8%
Poverty Rate
Fargo
12.8%
McKinney
12.4%
McKinney +
Bachelor's Degree+
Fargo
43.2%
Fargo +
McKinney
18.5%
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Median HH Income | $66,029 | $71,843 | McKinney + |
| Per Capita Income | $42,212 | $29,291 | Fargo + |
| Per Capita Personal Income (MSA)BEA MSA-level | $71,089 | $63,758 | Fargo + |
| Unemployment Rate | 3.9% | 4.8% | Fargo + |
| Poverty Rate | 12.8% | 12.4% | McKinney + |
| Bachelor's Degree+ | 43.2% | 18.5% | Fargo + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Fargo
$318,584
Fargo +
McKinney
$487,346
Homeownership Rate
Fargo
44.1%
McKinney
63.2%
McKinney +
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $318,584 | $487,346 | Fargo + |
| Homeownership Rate | 44.1% | 63.2% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Fargo
288
Fargo +
McKinney
442
Property Crime / 100K
FBI CDE (state-level est.)
Fargo
2037
Fargo +
McKinney
2339
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 288 | 442 | Fargo + |
| Property Crime / 100KFBI CDE (state-level est.) | 2037 | 2339 | Fargo + |
Health
Obesity Rate
CDC PLACES
Fargo
34.3%
McKinney
33.9%
McKinney +
Diabetes Rate
CDC PLACES
Fargo
8.1%
Fargo +
McKinney
9.1%
Poor Mental Health
CDC PLACES — 14+ days/month
Fargo
14.5%
Fargo +
McKinney
15.7%
No Health Insurance
CDC PLACES
Fargo
6.8%
Fargo +
McKinney
10.9%
Binge Drinking
CDC PLACES
Fargo
21.5%
McKinney
18.3%
McKinney +
Current Smokers
CDC PLACES
Fargo
11.8%
McKinney
9.9%
McKinney +
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 34.3% | 33.9% | McKinney + |
| Diabetes RateCDC PLACES | 8.1% | 9.1% | Fargo + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 14.5% | 15.7% | Fargo + |
| No Health InsuranceCDC PLACES | 6.8% | 10.9% | Fargo + |
| Binge DrinkingCDC PLACES | 21.5% | 18.3% | McKinney + |
| Current SmokersCDC PLACES | 11.8% | 9.9% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Fargo
42.4°F
Fargo +
McKinney
64.2°F
Annual Precipitation
NOAA 1991–2020 normal
Fargo
22.6 in
Fargo +
McKinney
40.0 in
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 42.4°F | 64.2°F | Fargo + |
| Annual PrecipitationNOAA 1991–2020 normal | 22.6 in | 40.0 in | Fargo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Fargo
8.6 µg/m³
Fargo +
McKinney
9.2 µg/m³
Good Air Days
AQI ≤ 50
Fargo
75.0%
Fargo +
McKinney
55.0%
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.6 µg/m³ | 9.2 µg/m³ | Fargo + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Fargo + |
Commute
Mean Commute Time
Census ACS
Fargo
17.3 min
Fargo +
McKinney
35.6 min
| Metric | Fargo, ND | McKinney, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 17.3 min | 35.6 min | Fargo + |
Which City is Right for You?
McKinney leads in median household income at $71,843, while fargo offers more affordable housing with a median home price of $318,584. On public safety, Fargo is safer with a violent crime rate of 288 per 100,000 residents, compared to 442 in McKinney. Fargo has a lower unemployment rate at 3.9%, and Fargo has cleaner air (PM2.5 avg 8.6 µg/m³). For overall health outcomes, McKinney scores better with a lower obesity rate of 33.9%.
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