McKinney Homes for Sale
This is the buyer side of McKinney: what a home costs to own here, where buyers start, what to check before you offer, and how the purchase works in Texas. For location, lifestyle and pros and cons, see the McKinney home values guide.
The McKinney listings that fit you, sent to you
Tell us the price range, bedrooms and must haves. We send you the current McKinney listings that fit, then the new ones as they come on, and we tour and negotiate with you. Your buyer agreement sets our fee up front; sellers often agree to pay some or all of it, and we negotiate for that in your offer.
What a McKinney home costs to own
Zillow reported the typical home value at about $473,000, down 5.1 percent from a year earlier as of September 2026. Here is what a home at that price costs each month at the Freddie Mac Primary Mortgage Market Survey 30 year fixed average of 7.40 percent, as of October 15, 2026, with property tax at the 2026 City of McKinney, McKinney ISD, Collin County and Collin College rates, about $1.71 per $100 before any MUD or PID (Collin County Tax Office) (the McKinney ISD rate is on the November 3, 2026 ballot).
| Down payment | Cash down | Principal and interest | Property tax | Monthly before insurance |
|---|---|---|---|---|
| 10 percent down | $47,300 | $2,947 | $675 | $3,622 |
| 20 percent down | $94,600 | $2,620 | $675 | $3,295 |
Estimates, not a loan quote. Add homeowners insurance, any HOA dues, and mortgage insurance with less than 20 percent down. Your rate depends on your credit, loan type and points. The $140,000 homestead exemption lowers the school portion of the tax once the home is yours and you file. Run How Much Can You Afford with your own numbers.
Where buyers start in McKinney
Historic houses around the downtown square, 1990s and 2000s master planned communities in the west like Stonebridge Ranch and Craig Ranch, newer construction in the north, and larger lots and older houses on the east side. Each pocket draws a different buyer and a different budget, so pick the pocket before you pick the house.
- Stonebridge Ranch and Craig Ranch: the large master planned communities in the west that carry most of the volume.
- Historic downtown McKinney: original houses on tree lined streets near the square.
- East McKinney and the 380 corridor: the entry point and the new construction.
McKinney offers newer houses at a lower price than Frisco or Plano and a downtown worth living near. The trade is the commute. Check the school district on every address because seven districts serve parts of the city.
What to check before you offer in McKinney
- Older houses. Budget for a foundation evaluation and a sewer line camera scope on top of the general inspection. Original cast iron or clay drain lines, older wiring and pier and beam foundations are the repairs that turn up after the option period if nobody looked.
- Newer homes. Hire your own inspector even on new construction, and ask the title company whether the lot sits in a MUD or PID. Those districts add a separate tax line that can change the monthly payment more than a few thousand dollars of price.
- Conservation and historic districts. If the address sits in a city conservation or historic district, exterior changes, additions and sometimes windows and roofing need city review. Read the district ordinance before you plan a remodel, because it decides what you can build.
- Every house. Run the Home Check for the flood zone and any MUD or water district, use the total rate on the county tax bill for the monthly cost, and confirm the school zone on the exact address with the district.
McKinney schools
McKinney ISD serves most of the city, with McKinney, McKinney North and McKinney Boyd high schools. Parts of McKinney and the land around it fall into Frisco, Prosper, Allen, Melissa, Lovejoy and Celina ISDs, and each line matters to price.
How buying a McKinney home works in Texas
- Get preapproved. A lender letter with your real payment, not just the loan amount, so you shop at the right price.
- Sign a buyer agreement and tour. We send the listings that fit and tour with you. The agreement sets out what we do and how we are paid.
- Write the offer on the Texas contract. It names the price, the earnest money held by the title company, and an option fee that buys you a set number of days to inspect and walk away for any reason.
- Inspect during the option period. General inspection plus anything the house calls for from the list above. Negotiate repairs or a credit before the option period ends.
- Appraisal, survey and title. The lender orders the appraisal, the title company issues the title commitment, and you review the survey.
- Close and file your homestead. Once it is your home, file the free homestead application with the Collin Central Appraisal District. It cuts the school taxable value by $140,000, and starting the year after you qualify, it limits increases in the appraised value of the home to 10 percent a year. Tax rates can still change.
Before you tour, run the Home Check on any address for the flood zone and any MUD or water district, and read the Collin County property tax page so the first bill is not a surprise.
Want the current McKinney listings?
Text us the price range and bedrooms. We send the listings that fit, and the new ones as they come on.
Questions buyers ask about McKinney
How much do I need to buy a home in McKinney?
At the typical home value of about $473,000, 10 percent down is $47,300 and 20 percent down is $94,600, plus closing costs. First time buyers may qualify for down payment help, which our down payment assistance page covers.
What are property taxes on a McKinney home?
Property tax runs at the 2026 City of McKinney, McKinney ISD, Collin County and Collin College rates, about $1.71 per $100 before any MUD or PID (Collin County Tax Office) (the McKinney ISD rate is on the November 3, 2026 ballot). At $473,000, that is about $675 a month before the homestead exemption. The Collin Central Appraisal District sets the value each year.
What school district is McKinney in?
McKinney ISD serves most of the city, with McKinney, McKinney North and McKinney Boyd high schools.
How do I see McKinney homes for sale?
Text (214) 600-3392 with your price range and must haves. We send the McKinney listings that fit, set up the tours, and represent you on the offer. Texas law requires a written agreement with a buyer before an agent shows a home or presents an offer, so we sign one with you before the first tour. It states our fee, which is not set by law and is fully negotiable, and a seller may agree to pay some or all of it.