McKinney TX vs Oceanside CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
McKinney, TX
Texas · Population: 148,848
- Median HH Income$71,843
- Median Home Price$487,346
- Unemployment4.8%
- Bachelor's+18.5%
Oceanside, CA
California · Population: 172,542
- Median HH Income$93,724
- Median Home Price$877,452
- Unemployment5.4%
- Bachelor's+34.3%
Detailed Comparison
Demographics
Population
McKinney
148,848
Oceanside
172,542
Oceanside +
Pop. Density / sq mi
Lower = more space
McKinney
N/A
Oceanside
N/A
Median Age
McKinney
33.4
McKinney +
Oceanside
38.1
Foreign Born
McKinney
21.0%
McKinney +
Oceanside
20.9%
White
McKinney
37.8%
Oceanside
52.9%
Oceanside +
Black
McKinney
24.7%
McKinney +
Oceanside
4.2%
Asian
McKinney
3.0%
Oceanside
7.4%
Oceanside +
Hispanic
McKinney
44.7%
McKinney +
Oceanside
38.5%
Spanish at Home
McKinney
N/A
Oceanside
N/A
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Population | 148,848 | 172,542 | Oceanside + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 38.1 | McKinney + |
| Foreign Born | 21.0% | 20.9% | McKinney + |
| White | 37.8% | 52.9% | Oceanside + |
| Black | 24.7% | 4.2% | McKinney + |
| Asian | 3.0% | 7.4% | Oceanside + |
| Hispanic | 44.7% | 38.5% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
Oceanside
$93,724
Oceanside +
Per Capita Income
McKinney
$29,291
Oceanside
$43,094
Oceanside +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
Oceanside
$77,230
Oceanside +
Unemployment Rate
McKinney
4.8%
McKinney +
Oceanside
5.4%
Poverty Rate
McKinney
12.4%
Oceanside
8.1%
Oceanside +
Bachelor's Degree+
McKinney
18.5%
Oceanside
34.3%
Oceanside +
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $93,724 | Oceanside + |
| Per Capita Income | $29,291 | $43,094 | Oceanside + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $77,230 | Oceanside + |
| Unemployment Rate | 4.8% | 5.4% | McKinney + |
| Poverty Rate | 12.4% | 8.1% | Oceanside + |
| Bachelor's Degree+ | 18.5% | 34.3% | Oceanside + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
McKinney +
Oceanside
$877,452
Homeownership Rate
McKinney
63.2%
McKinney +
Oceanside
58.5%
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $877,452 | McKinney + |
| Homeownership Rate | 63.2% | 58.5% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
Oceanside
503
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
McKinney +
Oceanside
2388
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 503 | McKinney + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 2388 | McKinney + |
Health
Obesity Rate
CDC PLACES
McKinney
33.9%
Oceanside
26.1%
Oceanside +
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
Oceanside
10.4%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
McKinney +
Oceanside
16.9%
No Health Insurance
CDC PLACES
McKinney
10.9%
Oceanside
9.7%
Oceanside +
Binge Drinking
CDC PLACES
McKinney
18.3%
Oceanside
16.5%
Oceanside +
Current Smokers
CDC PLACES
McKinney
9.9%
McKinney +
Oceanside
10.6%
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 26.1% | Oceanside + |
| Diabetes RateCDC PLACES | 9.1% | 10.4% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 16.9% | McKinney + |
| No Health InsuranceCDC PLACES | 10.9% | 9.7% | Oceanside + |
| Binge DrinkingCDC PLACES | 18.3% | 16.5% | Oceanside + |
| Current SmokersCDC PLACES | 9.9% | 10.6% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
Oceanside
55.3°F
Oceanside +
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
Oceanside
20.7 in
Oceanside +
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | 55.3°F | Oceanside + |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | 20.7 in | Oceanside + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
Oceanside
7.9 µg/m³
Oceanside +
Good Air Days
AQI ≤ 50
McKinney
55.0%
Oceanside
75.0%
Oceanside +
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.9 µg/m³ | Oceanside + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Oceanside + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
Oceanside
31.8 min
Oceanside +
| Metric | McKinney, TX | Oceanside, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 31.8 min | Oceanside + |
Which City is Right for You?
Oceanside leads in median household income at $93,724, while mcKinney offers more affordable housing with a median home price of $487,346. On public safety, McKinney is safer with a violent crime rate of 442 per 100,000 residents, compared to 503 in Oceanside. McKinney has a lower unemployment rate at 4.8%, and Oceanside has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Oceanside scores better with a lower obesity rate of 26.1%.
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