McKinney TX vs St. Charles MO — 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%
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Detailed Comparison
Demographics
Population
McKinney
148,848
McKinney +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
McKinney
N/A
St. Charles
N/A
Median Age
McKinney
33.4
McKinney +
St. Charles
37.9
Foreign Born
McKinney
21.0%
McKinney +
St. Charles
4.2%
White
McKinney
37.8%
St. Charles
80.4%
St. Charles +
Black
McKinney
24.7%
McKinney +
St. Charles
6.7%
Asian
McKinney
3.0%
McKinney +
St. Charles
1.4%
Hispanic
McKinney
44.7%
McKinney +
St. Charles
7.7%
Spanish at Home
McKinney
N/A
St. Charles
N/A
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Population | 148,848 | 71,542 | McKinney + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 37.9 | McKinney + |
| Foreign Born | 21.0% | 4.2% | McKinney + |
| White | 37.8% | 80.4% | St. Charles + |
| Black | 24.7% | 6.7% | McKinney + |
| Asian | 3.0% | 1.4% | McKinney + |
| Hispanic | 44.7% | 7.7% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
McKinney +
St. Charles
$55,578
Per Capita Income
McKinney
$29,291
St. Charles
$31,499
St. Charles +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
McKinney +
St. Charles
$58,527
Unemployment Rate
McKinney
4.8%
St. Charles
4.7%
St. Charles +
Poverty Rate
McKinney
12.4%
McKinney +
St. Charles
18.7%
Bachelor's Degree+
McKinney
18.5%
St. Charles
22.7%
St. Charles +
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $55,578 | McKinney + |
| Per Capita Income | $29,291 | $31,499 | St. Charles + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $58,527 | McKinney + |
| Unemployment Rate | 4.8% | 4.7% | St. Charles + |
| Poverty Rate | 12.4% | 18.7% | McKinney + |
| Bachelor's Degree+ | 18.5% | 22.7% | St. Charles + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
St. Charles
$144,200
St. Charles +
Homeownership Rate
McKinney
63.2%
McKinney +
St. Charles
61.4%
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $144,200 | St. Charles + |
| Homeownership Rate | 63.2% | 61.4% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
St. Charles
501
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
McKinney +
St. Charles
2418
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 501 | McKinney + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 2418 | McKinney + |
Health
Obesity Rate
CDC PLACES
McKinney
33.9%
McKinney +
St. Charles
35.9%
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
St. Charles
10.4%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
McKinney +
St. Charles
16.0%
No Health Insurance
CDC PLACES
McKinney
10.9%
St. Charles
7.1%
St. Charles +
Binge Drinking
CDC PLACES
McKinney
18.3%
McKinney +
St. Charles
18.4%
Current Smokers
CDC PLACES
McKinney
9.9%
McKinney +
St. Charles
12.5%
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 35.9% | McKinney + |
| Diabetes RateCDC PLACES | 9.1% | 10.4% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 16.0% | McKinney + |
| No Health InsuranceCDC PLACES | 10.9% | 7.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 18.3% | 18.4% | McKinney + |
| Current SmokersCDC PLACES | 9.9% | 12.5% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
St. Charles
N/A
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
McKinney +
St. Charles
9.3 µg/m³
Good Air Days
AQI ≤ 50
McKinney
55.0%
St. Charles
55.0%
Tie
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 9.3 µg/m³ | McKinney + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
St. Charles
18.3 min
St. Charles +
| Metric | McKinney, TX | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 18.3 min | St. Charles + |
Which City is Right for You?
McKinney leads in median household income at $71,843, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, McKinney is safer with a violent crime rate of 442 per 100,000 residents, compared to 501 in St. Charles. St. Charles has a lower unemployment rate at 4.7%, 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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