What salary do you need to live in McKinney, TX?
For a single person: about $75,500/year before taxes to live comfortably. That's the gross income whose TX-taxed take-home covers roughly $1,841 rent plus everyday essentials, with a 20% cushion for savings. Figures include 2025 federal tax, FICA, and no state income tax (Texas doesn't have one).
What jobs here actually pay: the typical McKinney worker earns about $51,440/year (BLS OEWS, all occupations) — below the $61,500 a single person needs to cover local essentials, so a median local job alone runs 16% short.
Single person — est. essentials $4,290/mo
Tight
take-home covers $4,290/mo
$61,500/yr
Comfortable
take-home covers $5,148/mo
$75,500/yr
Thriving
take-home covers $6,435/mo
$97,500/yr
2-person household — est. essentials $5,771/mo
Tight
take-home covers $5,771/mo
$81,000/yr
Comfortable
take-home covers $6,925/mo
$98,000/yr
Thriving
take-home covers $8,657/mo
$124,000/yr
3-person household — est. essentials $7,070/mo
Tight
take-home covers $7,070/mo
$100,500/yr
Comfortable
take-home covers $8,484/mo
$121,500/yr
Thriving
take-home covers $10,605/mo
$156,500/yr
4-person household — est. essentials $8,189/mo
Tight
take-home covers $8,189/mo
$117,000/yr
Comfortable
take-home covers $9,827/mo
$143,500/yr
Thriving
take-home covers $12,284/mo
$185,000/yr
How we calculate this
Essentials = typical rent ($1,841) + a national non-housing baseline by household size ($2,450 for one person) + Texas's combined sales tax on the taxable share of that spending. We then solve for the gross salary whose after-tax take-home hits each tier, including municipal income tax where the city levies one. These assume adults sharing a home. A household with young children also pays childcare, which in most cities is the largest line after rent — run a search with your own household to price it. Property taxes aren't modeled — see the methodology.
Find jobs in McKinney
Opens each board's search pre-filled for McKinney, TX.
Planning a move here?
Get notified when McKinney gets more affordable, plus relocation tips.
We'll only email you what you asked for. Unsubscribe anytime. See our privacy policy.