McKinney TX vs San Francisco 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%
San Francisco, CA
California · Population: 836,321
- Median HH Income$141,446
- Median Home Price$1,369,171
- Unemployment5.6%
- Bachelor's+60.1%
Detailed Comparison
Demographics
Population
McKinney
148,848
San Francisco
836,321
San Francisco +
Pop. Density / sq mi
Lower = more space
McKinney
N/A
San Francisco
N/A
Median Age
McKinney
33.4
McKinney +
San Francisco
39.7
Foreign Born
McKinney
21.0%
San Francisco
34.2%
San Francisco +
White
McKinney
37.8%
San Francisco
40.5%
San Francisco +
Black
McKinney
24.7%
McKinney +
San Francisco
5.1%
Asian
McKinney
3.0%
San Francisco
35.0%
San Francisco +
Hispanic
McKinney
44.7%
McKinney +
San Francisco
15.9%
Spanish at Home
McKinney
N/A
San Francisco
N/A
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Population | 148,848 | 836,321 | San Francisco + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 39.7 | McKinney + |
| Foreign Born | 21.0% | 34.2% | San Francisco + |
| White | 37.8% | 40.5% | San Francisco + |
| Black | 24.7% | 5.1% | McKinney + |
| Asian | 3.0% | 35.0% | San Francisco + |
| Hispanic | 44.7% | 15.9% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
San Francisco
$141,446
San Francisco +
Per Capita Income
McKinney
$29,291
San Francisco
$90,285
San Francisco +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
San Francisco
$77,230
San Francisco +
Unemployment Rate
McKinney
4.8%
McKinney +
San Francisco
5.6%
Poverty Rate
McKinney
12.4%
San Francisco
10.6%
San Francisco +
Bachelor's Degree+
McKinney
18.5%
San Francisco
60.1%
San Francisco +
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $141,446 | San Francisco + |
| Per Capita Income | $29,291 | $90,285 | San Francisco + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $77,230 | San Francisco + |
| Unemployment Rate | 4.8% | 5.6% | McKinney + |
| Poverty Rate | 12.4% | 10.6% | San Francisco + |
| Bachelor's Degree+ | 18.5% | 60.1% | San Francisco + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
McKinney +
San Francisco
$1,369,171
Homeownership Rate
McKinney
63.2%
McKinney +
San Francisco
38.5%
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $1,369,171 | McKinney + |
| Homeownership Rate | 63.2% | 38.5% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
San Francisco
503
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
McKinney +
San Francisco
2388
| Metric | McKinney, TX | San Francisco, 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%
San Francisco
17.5%
San Francisco +
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
San Francisco
9.7%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
San Francisco
14.5%
San Francisco +
No Health Insurance
CDC PLACES
McKinney
10.9%
San Francisco
6.6%
San Francisco +
Binge Drinking
CDC PLACES
McKinney
18.3%
McKinney +
San Francisco
19.6%
Current Smokers
CDC PLACES
McKinney
9.9%
San Francisco
9.1%
San Francisco +
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 17.5% | San Francisco + |
| Diabetes RateCDC PLACES | 9.1% | 9.7% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 14.5% | San Francisco + |
| No Health InsuranceCDC PLACES | 10.9% | 6.6% | San Francisco + |
| Binge DrinkingCDC PLACES | 18.3% | 19.6% | McKinney + |
| Current SmokersCDC PLACES | 9.9% | 9.1% | San Francisco + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
San Francisco
55.3°F
San Francisco +
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
San Francisco
20.7 in
San Francisco +
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | 55.3°F | San Francisco + |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | 20.7 in | San Francisco + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
San Francisco
7.9 µg/m³
San Francisco +
Good Air Days
AQI ≤ 50
McKinney
55.0%
San Francisco
75.0%
San Francisco +
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.9 µg/m³ | San Francisco + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | San Francisco + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
San Francisco
33.9 min
San Francisco +
| Metric | McKinney, TX | San Francisco, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 33.9 min | San Francisco + |
Which City is Right for You?
San Francisco leads in median household income at $141,446, 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 San Francisco. McKinney has a lower unemployment rate at 4.8%, and San Francisco has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, San Francisco scores better with a lower obesity rate of 17.5%.
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