Independence MO 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)
Independence, MO
Missouri · Population: 121,944
- Median HH Income$59,480
- Median Home Price$210,384
- Unemployment6.0%
- Bachelor's+20.9%
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
Independence
121,944
McKinney
148,848
McKinney +
Pop. Density / sq mi
Lower = more space
Independence
N/A
McKinney
N/A
Median Age
Independence
38.4
McKinney
33.4
McKinney +
Foreign Born
Independence
5.3%
McKinney
21.0%
McKinney +
White
Independence
72.2%
Independence +
McKinney
37.8%
Black
Independence
10.8%
McKinney
24.7%
McKinney +
Asian
Independence
1.4%
McKinney
3.0%
McKinney +
Hispanic
Independence
12.4%
McKinney
44.7%
McKinney +
Spanish at Home
Independence
N/A
McKinney
N/A
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Population | 121,944 | 148,848 | McKinney + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 38.4 | 33.4 | McKinney + |
| Foreign Born | 5.3% | 21.0% | McKinney + |
| White | 72.2% | 37.8% | Independence + |
| Black | 10.8% | 24.7% | McKinney + |
| Asian | 1.4% | 3.0% | McKinney + |
| Hispanic | 12.4% | 44.7% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Independence
$59,480
McKinney
$71,843
McKinney +
Per Capita Income
Independence
$31,683
Independence +
McKinney
$29,291
Per Capita Personal Income (MSA)
BEA MSA-level
Independence
$58,527
McKinney
$63,758
McKinney +
Unemployment Rate
Independence
6.0%
McKinney
4.8%
McKinney +
Poverty Rate
Independence
15.3%
McKinney
12.4%
McKinney +
Bachelor's Degree+
Independence
20.9%
Independence +
McKinney
18.5%
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Median HH Income | $59,480 | $71,843 | McKinney + |
| Per Capita Income | $31,683 | $29,291 | Independence + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,527 | $63,758 | McKinney + |
| Unemployment Rate | 6.0% | 4.8% | McKinney + |
| Poverty Rate | 15.3% | 12.4% | McKinney + |
| Bachelor's Degree+ | 20.9% | 18.5% | Independence + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Independence
$210,384
Independence +
McKinney
$487,346
Homeownership Rate
Independence
61.0%
McKinney
63.2%
McKinney +
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $210,384 | $487,346 | Independence + |
| Homeownership Rate | 61.0% | 63.2% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Independence
501
McKinney
442
McKinney +
Property Crime / 100K
FBI CDE (state-level est.)
Independence
2418
McKinney
2339
McKinney +
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 501 | 442 | McKinney + |
| Property Crime / 100KFBI CDE (state-level est.) | 2418 | 2339 | McKinney + |
Health
Obesity Rate
CDC PLACES
Independence
37.3%
McKinney
33.9%
McKinney +
Diabetes Rate
CDC PLACES
Independence
12.9%
McKinney
9.1%
McKinney +
Poor Mental Health
CDC PLACES — 14+ days/month
Independence
19.9%
McKinney
15.7%
McKinney +
No Health Insurance
CDC PLACES
Independence
11.5%
McKinney
10.9%
McKinney +
Binge Drinking
CDC PLACES
Independence
16.8%
Independence +
McKinney
18.3%
Current Smokers
CDC PLACES
Independence
18.4%
McKinney
9.9%
McKinney +
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 37.3% | 33.9% | McKinney + |
| Diabetes RateCDC PLACES | 12.9% | 9.1% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 19.9% | 15.7% | McKinney + |
| No Health InsuranceCDC PLACES | 11.5% | 10.9% | McKinney + |
| Binge DrinkingCDC PLACES | 16.8% | 18.3% | Independence + |
| Current SmokersCDC PLACES | 18.4% | 9.9% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Independence
54.5°F
Independence +
McKinney
64.2°F
Annual Precipitation
NOAA 1991–2020 normal
Independence
43.7 in
McKinney
40.0 in
McKinney +
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 54.5°F | 64.2°F | Independence + |
| Annual PrecipitationNOAA 1991–2020 normal | 43.7 in | 40.0 in | McKinney + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Independence
9.3 µg/m³
McKinney
9.2 µg/m³
McKinney +
Good Air Days
AQI ≤ 50
Independence
55.0%
McKinney
55.0%
Tie
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 9.2 µg/m³ | McKinney + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Independence
25.5 min
Independence +
McKinney
35.6 min
| Metric | Independence, MO | McKinney, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.5 min | 35.6 min | Independence + |
Which City is Right for You?
McKinney leads in median household income at $71,843, while independence offers more affordable housing with a median home price of $210,384. On public safety, McKinney is safer with a violent crime rate of 442 per 100,000 residents, compared to 501 in Independence. McKinney has a lower unemployment rate at 4.8%, and McKinney has cleaner air (PM2.5 avg 9.2 µg/m³). For overall health outcomes, McKinney scores better with a lower obesity rate of 33.9%.
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