McKinney TX vs San Jose 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 Jose, CA
California · Population: 990,054
- Median HH Income$141,565
- Median Home Price$1,452,609
- Unemployment4.7%
- Bachelor's+46.5%
Detailed Comparison
Demographics
Population
McKinney
148,848
San Jose
990,054
San Jose +
Pop. Density / sq mi
Lower = more space
McKinney
N/A
San Jose
N/A
Median Age
McKinney
33.4
McKinney +
San Jose
38.1
Foreign Born
McKinney
21.0%
San Jose
41.6%
San Jose +
White
McKinney
37.8%
McKinney +
San Jose
29.0%
Black
McKinney
24.7%
McKinney +
San Jose
2.9%
Asian
McKinney
3.0%
San Jose
38.6%
San Jose +
Hispanic
McKinney
44.7%
McKinney +
San Jose
30.9%
Spanish at Home
McKinney
N/A
San Jose
N/A
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Population | 148,848 | 990,054 | San Jose + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 38.1 | McKinney + |
| Foreign Born | 21.0% | 41.6% | San Jose + |
| White | 37.8% | 29.0% | McKinney + |
| Black | 24.7% | 2.9% | McKinney + |
| Asian | 3.0% | 38.6% | San Jose + |
| Hispanic | 44.7% | 30.9% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
San Jose
$141,565
San Jose +
Per Capita Income
McKinney
$29,291
San Jose
$63,253
San Jose +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
San Jose
$77,230
San Jose +
Unemployment Rate
McKinney
4.8%
San Jose
4.7%
San Jose +
Poverty Rate
McKinney
12.4%
San Jose
7.8%
San Jose +
Bachelor's Degree+
McKinney
18.5%
San Jose
46.5%
San Jose +
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $141,565 | San Jose + |
| Per Capita Income | $29,291 | $63,253 | San Jose + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $77,230 | San Jose + |
| Unemployment Rate | 4.8% | 4.7% | San Jose + |
| Poverty Rate | 12.4% | 7.8% | San Jose + |
| Bachelor's Degree+ | 18.5% | 46.5% | San Jose + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
McKinney +
San Jose
$1,452,609
Homeownership Rate
McKinney
63.2%
McKinney +
San Jose
56.0%
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $1,452,609 | McKinney + |
| Homeownership Rate | 63.2% | 56.0% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
San Jose
503
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
McKinney +
San Jose
2388
| Metric | McKinney, TX | San Jose, 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 Jose
23.7%
San Jose +
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
San Jose
11.1%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
San Jose
14.9%
San Jose +
No Health Insurance
CDC PLACES
McKinney
10.9%
San Jose
9.1%
San Jose +
Binge Drinking
CDC PLACES
McKinney
18.3%
San Jose
13.0%
San Jose +
Current Smokers
CDC PLACES
McKinney
9.9%
San Jose
9.4%
San Jose +
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 23.7% | San Jose + |
| Diabetes RateCDC PLACES | 9.1% | 11.1% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 14.9% | San Jose + |
| No Health InsuranceCDC PLACES | 10.9% | 9.1% | San Jose + |
| Binge DrinkingCDC PLACES | 18.3% | 13.0% | San Jose + |
| Current SmokersCDC PLACES | 9.9% | 9.4% | San Jose + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
San Jose
61.5°F
San Jose +
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
San Jose
14.9 in
San Jose +
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | 61.5°F | San Jose + |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | 14.9 in | San Jose + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
San Jose
7.9 µg/m³
San Jose +
Good Air Days
AQI ≤ 50
McKinney
55.0%
San Jose
75.0%
San Jose +
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.9 µg/m³ | San Jose + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | San Jose + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
San Jose
30.4 min
San Jose +
| Metric | McKinney, TX | San Jose, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 30.4 min | San Jose + |
Which City is Right for You?
San Jose leads in median household income at $141,565, 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 Jose. San Jose has a lower unemployment rate at 4.7%, and San Jose has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, San Jose scores better with a lower obesity rate of 23.7%.
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