McKinney TX vs Surprise AZ — 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%
Surprise, AZ
Arizona · Population: 149,519
- Median HH Income$93,371
- Median Home Price$422,520
- Unemployment4.2%
- Bachelor's+31.0%
Detailed Comparison
Demographics
Population
McKinney
148,848
Surprise
149,519
Surprise +
Pop. Density / sq mi
Lower = more space
McKinney
N/A
Surprise
N/A
Median Age
McKinney
33.4
McKinney +
Surprise
41.6
Foreign Born
McKinney
21.0%
McKinney +
Surprise
6.8%
White
McKinney
37.8%
Surprise
75.0%
Surprise +
Black
McKinney
24.7%
McKinney +
Surprise
4.8%
Asian
McKinney
3.0%
McKinney +
Surprise
2.6%
Hispanic
McKinney
44.7%
McKinney +
Surprise
19.2%
Spanish at Home
McKinney
N/A
Surprise
N/A
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Population | 148,848 | 149,519 | Surprise + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 41.6 | McKinney + |
| Foreign Born | 21.0% | 6.8% | McKinney + |
| White | 37.8% | 75.0% | Surprise + |
| Black | 24.7% | 4.8% | McKinney + |
| Asian | 3.0% | 2.6% | McKinney + |
| Hispanic | 44.7% | 19.2% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
Surprise
$93,371
Surprise +
Per Capita Income
McKinney
$29,291
Surprise
$39,604
Surprise +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
McKinney +
Surprise
$59,120
Unemployment Rate
McKinney
4.8%
Surprise
4.2%
Surprise +
Poverty Rate
McKinney
12.4%
Surprise
7.8%
Surprise +
Bachelor's Degree+
McKinney
18.5%
Surprise
31.0%
Surprise +
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $93,371 | Surprise + |
| Per Capita Income | $29,291 | $39,604 | Surprise + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $59,120 | McKinney + |
| Unemployment Rate | 4.8% | 4.2% | Surprise + |
| Poverty Rate | 12.4% | 7.8% | Surprise + |
| Bachelor's Degree+ | 18.5% | 31.0% | Surprise + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
Surprise
$422,520
Surprise +
Homeownership Rate
McKinney
63.2%
Surprise
79.0%
Surprise +
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $422,520 | Surprise + |
| Homeownership Rate | 63.2% | 79.0% | Surprise + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
Surprise
450
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
Surprise
2150
Surprise +
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 450 | McKinney + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 2150 | Surprise + |
Health
Obesity Rate
CDC PLACES
McKinney
33.9%
Surprise
29.4%
Surprise +
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
Surprise
11.2%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
Surprise
14.2%
Surprise +
No Health Insurance
CDC PLACES
McKinney
10.9%
Surprise
10.5%
Surprise +
Binge Drinking
CDC PLACES
McKinney
18.3%
Surprise
14.9%
Surprise +
Current Smokers
CDC PLACES
McKinney
9.9%
McKinney +
Surprise
10.4%
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 29.4% | Surprise + |
| Diabetes RateCDC PLACES | 9.1% | 11.2% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 14.2% | Surprise + |
| No Health InsuranceCDC PLACES | 10.9% | 10.5% | Surprise + |
| Binge DrinkingCDC PLACES | 18.3% | 14.9% | Surprise + |
| Current SmokersCDC PLACES | 9.9% | 10.4% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
Surprise
N/A
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
Surprise
N/A
| Metric | McKinney, TX | Surprise, AZ | 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
Surprise
7.1 µg/m³
Surprise +
Good Air Days
AQI ≤ 50
McKinney
55.0%
Surprise
75.0%
Surprise +
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.1 µg/m³ | Surprise + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Surprise + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
Surprise
32.8 min
Surprise +
| Metric | McKinney, TX | Surprise, AZ | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 32.8 min | Surprise + |
Which City is Right for You?
Surprise leads in median household income at $93,371, while surprise offers more affordable housing with a median home price of $422,520. On public safety, McKinney is safer with a violent crime rate of 442 per 100,000 residents, compared to 450 in Surprise. Surprise has a lower unemployment rate at 4.2%, and Surprise has cleaner air (PM2.5 avg 7.1 µg/m³). For overall health outcomes, Surprise scores better with a lower obesity rate of 29.4%.
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