Indianapolis IN 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)
Indianapolis, IN
Indiana · Population: 882,043
- Median HH Income$62,995
- Median Home Price$232,133
- Unemployment5.2%
- Bachelor's+34.2%
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
Indianapolis
882,043
Indianapolis +
McKinney
148,848
Pop. Density / sq mi
Lower = more space
Indianapolis
N/A
McKinney
N/A
Median Age
Indianapolis
34.1
McKinney
33.4
McKinney +
Foreign Born
Indianapolis
11.6%
McKinney
21.0%
McKinney +
White
Indianapolis
53.6%
Indianapolis +
McKinney
37.8%
Black
Indianapolis
28.1%
Indianapolis +
McKinney
24.7%
Asian
Indianapolis
4.1%
Indianapolis +
McKinney
3.0%
Hispanic
Indianapolis
13.3%
McKinney
44.7%
McKinney +
Spanish at Home
Indianapolis
N/A
McKinney
N/A
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Population | 882,043 | 148,848 | Indianapolis + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.1 | 33.4 | McKinney + |
| Foreign Born | 11.6% | 21.0% | McKinney + |
| White | 53.6% | 37.8% | Indianapolis + |
| Black | 28.1% | 24.7% | Indianapolis + |
| Asian | 4.1% | 3.0% | Indianapolis + |
| Hispanic | 13.3% | 44.7% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Indianapolis
$62,995
McKinney
$71,843
McKinney +
Per Capita Income
Indianapolis
$36,194
Indianapolis +
McKinney
$29,291
Per Capita Personal Income (MSA)
BEA MSA-level
Indianapolis
$58,697
McKinney
$63,758
McKinney +
Unemployment Rate
Indianapolis
5.2%
McKinney
4.8%
McKinney +
Poverty Rate
Indianapolis
15.7%
McKinney
12.4%
McKinney +
Bachelor's Degree+
Indianapolis
34.2%
Indianapolis +
McKinney
18.5%
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Median HH Income | $62,995 | $71,843 | McKinney + |
| Per Capita Income | $36,194 | $29,291 | Indianapolis + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $63,758 | McKinney + |
| Unemployment Rate | 5.2% | 4.8% | McKinney + |
| Poverty Rate | 15.7% | 12.4% | McKinney + |
| Bachelor's Degree+ | 34.2% | 18.5% | Indianapolis + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Indianapolis
$232,133
Indianapolis +
McKinney
$487,346
Homeownership Rate
Indianapolis
55.3%
McKinney
63.2%
McKinney +
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $232,133 | $487,346 | Indianapolis + |
| Homeownership Rate | 55.3% | 63.2% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Indianapolis
370
Indianapolis +
McKinney
442
Property Crime / 100K
FBI CDE (state-level est.)
Indianapolis
1719
Indianapolis +
McKinney
2339
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 442 | Indianapolis + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 2339 | Indianapolis + |
Health
Obesity Rate
CDC PLACES
Indianapolis
N/A
McKinney
33.9%
Diabetes Rate
CDC PLACES
Indianapolis
N/A
McKinney
9.1%
Poor Mental Health
CDC PLACES — 14+ days/month
Indianapolis
N/A
McKinney
15.7%
No Health Insurance
CDC PLACES
Indianapolis
N/A
McKinney
10.9%
Binge Drinking
CDC PLACES
Indianapolis
N/A
McKinney
18.3%
Current Smokers
CDC PLACES
Indianapolis
N/A
McKinney
9.9%
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | N/A | 33.9% | - |
| Diabetes RateCDC PLACES | N/A | 9.1% | - |
| Poor Mental HealthCDC PLACES — 14+ days/month | N/A | 15.7% | - |
| No Health InsuranceCDC PLACES | N/A | 10.9% | - |
| Binge DrinkingCDC PLACES | N/A | 18.3% | - |
| Current SmokersCDC PLACES | N/A | 9.9% | - |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Indianapolis
N/A
McKinney
64.2°F
Annual Precipitation
NOAA 1991–2020 normal
Indianapolis
41.8 in
McKinney
40.0 in
McKinney +
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 64.2°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | 41.8 in | 40.0 in | McKinney + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Indianapolis
10.1 µg/m³
McKinney
9.2 µg/m³
McKinney +
Good Air Days
AQI ≤ 50
Indianapolis
55.0%
McKinney
55.0%
Tie
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 9.2 µg/m³ | McKinney + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Indianapolis
25.8 min
Indianapolis +
McKinney
35.6 min
| Metric | Indianapolis, IN | McKinney, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.8 min | 35.6 min | Indianapolis + |
Which City is Right for You?
McKinney leads in median household income at $71,843, while indianapolis offers more affordable housing with a median home price of $232,133. On public safety, Indianapolis is safer with a violent crime rate of 370 per 100,000 residents, compared to 442 in McKinney. McKinney has a lower unemployment rate at 4.8%, and McKinney has cleaner air (PM2.5 avg 9.2 µg/m³).
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