What Does a Home in McKinney, Texas Cost by ZIP Code in 2026?

What does a home in McKinney, Texas cost right now? Zillow's McKinney home values page puts the typical home value at $472,867 with data through September 30, 2026, down 5.1% from a year earlier, and a median sale price of $494,124. That is the citywide answer. The more useful one depends on the ZIP code, because McKinney's four residential ZIPs had median sale prices this summer that ran from $440,750 to $559,008, and one of them moved in the opposite direction from the other three.

In August we published a cost of living guide to McKinney that walked through its best-known master-planned communities. This guide takes a different cut: what the ZIP code on a listing tells you about price, how fast homes are moving, and where the city is spending money in the next few years.

The Citywide Picture

Zillow's latest reading shows a median list price of $521,332, a median of 47 days to pending, 1,242 homes for sale and 256 new listings. The median sale-to-list ratio is 0.984, meaning the typical home closed about 1.6% under its final asking price. That is a market where sellers are still getting close to their number, but buyers have room to negotiate and plenty of inventory to compare.

McKinney is large enough that a single median hides a lot. According to Wikipedia's entry on McKinney, the city counted 195,308 residents in the 2020 census and an estimated 236,001 in 2025. It is the Collin County seat, sits on US 75 and US 380, and runs along the Sam Rayburn Tollway on its southern edge with Allen. A city that has added roughly 40,000 people in five years has several housing markets inside it, built in different decades and priced on different terms.

Four ZIP Codes, Four Markets

Redfin publishes a median sale price for each McKinney ZIP. The most recent month available on each page differs, so the table shows the month next to each figure.

A single month of ZIP-level sales is a small sample, so read the direction more than the decimal point. Still, the split is clear enough to be useful.

75072 is the price leader. The USPS created 75072 in 2018 by splitting off the part of 75070 north of El Dorado Parkway, bounded by Virginia Parkway, US 75 and Coit Road. That is a band of established west-side subdivisions, and it carries the highest median of the four. Homes.com's 75072 neighborhood list shows average values of $723,000 in Winding Creek-Hidden Creek, $673,000 in Eldorado and $665,000 in Stonebridge Ranch, with Westridge at $505,000.

75069 is the only ZIP that rose. This is the historic core and the east side, and its median was up 11.2% year over year while the rest of the city slipped. Homes.com's 75069 list puts Historical McKinney at an average of $636,000. Older homes near the square are a limited supply, and buyers who want walkable blocks and pre-war architecture have few substitutes in Collin County.

75070 and 75071 are where the discount is. Both fell 7% to 8% on the year. 75070 covers the south side, including Craig Ranch, which Homes.com averages at $559,000. 75071 runs across the north side, with Homes.com listing Trinity Falls at $550,000 and Painted Tree at $588,000. With Zillow counting more than 1,200 homes for sale citywide, sellers here are competing for the same buyers, and for a buyer that is the reason to look in these two ZIPs first.

Homes.com does not date its neighborhood averages, so treat them as a ranking rather than a current price.

Adriatica Village on Mediterranean Drive, McKinney. Stock photograph.

Price Per Square Foot Tells the Same Story

RealtyTrac's McKinney market page estimates $249 per square foot in 75069 against $205 in both 75070 and 75071, with median estimated values of $492,252, $475,014 and $496,564. It does not publish a 75072 figure or date its ZIP estimates. The gap is the point: a buyer pays about 20% more per foot to be in the older core, because the homes there are smaller and the location is what is being priced.

For comparison, Redfin's McKinney housing market page showed $203 per square foot citywide in November 2025, the most recent month the page displayed, so that figure is a year old. It did show homes selling about 3% below list, which lines up with Zillow's newer sale-to-list number.

Our own listing at 808 Canyon Valley Drive in 75071 is a single-story, 1,601 square foot pool home on a quarter acre with no HOA, asking $374,900. That is about $234 per square foot, below the 75071 median in price but above it per foot, which is what you expect from a smaller home on a larger lot. We wrote about it in July in our Glenwood Estates spotlight.

Where the City Is Investing

Two projects will shape demand on opposite ends of town.

Downtown, Community Impact reported on November 9, 2026 on nine city projects. They include roughly $25.2 million for full reconstruction of Church, Henry, Wood, College, Hunt, Davis and Valley streets from summer 2027 to summer 2029, a $20 million renovation of the Roy and Helen Hall Memorial Library reopening December 1, a $10 million McKinney Performing Arts Center renovation, and the demolition of the former City Hall so the McKinney Economic Development Corp. can seek office and hotel uses. Construction is a nuisance for owners near the square for a few years. Finished, it adds to the reasons 75069 holds its value.

On the southeast side, McKinney National Airport opened its commercial terminal this week. AviationPros reported that the 46,000 square foot terminal opens with four gates, expandable to six, and Avelo service to Las Vegas, Fort Lauderdale, Fort Myers, Orlando and Tampa beginning November 11. For owners in 75069 and 75070, a passenger airport inside the city limits is a convenience and, for homes near the flight path, a noise question worth checking before you buy.

Choosing Your McKinney ZIP

If you are deciding between a newer home in 75070 or 75071 and an older one closer to downtown, the question is what you are paying for: square footage and finishes, or location and lot. Schedule a private consultation about McKinney and we will pull the closed sales for the specific subdivisions you are weighing, not the citywide median. If you are still comparing suburbs, the Dallas home search shows how McKinney listings sit against Allen, Frisco and Plano.

The Tax Line

The City of McKinney's FY27 tax rate hearing presentation set the proposed city rate at $0.412284 per $100 of value, level with FY26, and Community Impact reported on September 3, 2026 that council adopted an $880 million budget keeping the rate flat. McKinney ISD projected a 2026-27 rate of $1.0528 per $100, per Community Impact, and Collin County and other entities add their own. Parts of McKinney sit in other school districts, so check the exact rate for the address. Our Texas homestead exemption guide covers how to file once you own.

Frequently Asked Questions

What is the median home price in McKinney, Texas?

Zillow reported a median sale price of $494,124 and a typical home value of $472,867 with data through September 30, 2026, down 5.1% year over year.

Which McKinney ZIP code is most expensive?

75072. Redfin showed a median sale price of $559,008 for August 2026, the highest of the four McKinney ZIPs.

Are home prices in McKinney going down?

In most of the city, modestly. Zillow's typical value is down 5.1% on the year, and 75070, 75071 and 75072 all fell. 75069, the historic core and east side, rose 11.2% in Redfin's August data.

What is the property tax rate in McKinney?

The city rate is $0.412284 per $100 for FY27, unchanged from FY26. McKinney ISD projected $1.0528 per $100, and the county adds its own rate.

How do I pick a real estate agent for a McKinney purchase?

Look for someone who has closed deals in the specific part of McKinney you are considering, because a resale in Stonebridge Ranch and a new build in Trinity Falls are priced on different terms. Ask which recent sales they would use as comparables and why. Paul Blair has 22 years in the business, works Collin County from Plano and Allen to McKinney and Prosper, and currently represents a listing in McKinney.

Paul has spent 22 years pricing homes across Dallas and the northern suburbs, and in a city growing as fast as McKinney he starts with the ZIP code and the subdivision, not the citywide number.

Paul Blair is the founder and broker of Grey Square, a virtual real estate brokerage representing buyers and sellers across Dallas, Los Angeles and Houston. With 22 years in the business, Paul works the full range of the market, from luxury homes in the Park Cities and Preston Hollow to estates in the Hollywood Hills and across the Westside. Connect with Paul and the Grey Square team at greysq.com. TX TREC #9011505 · CA DRE #01792671.