McKinney receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
Saginaw
McKinney
Opportunity
63 · Top 36%
vs68 · Top 26%
Growth
66 · Top 23%
vs76 · Top 9%
Climate
68 · Bottom 42%
vs65 · Bottom 33%
Physical resilience
56 · Bottom 48%
vs67 · Top 40%
Housing affordability
90 · Top 31%
vs90 · Top 31%
Access
99 · Top 14%
vs89 · Bottom 38%
Economic stability
81 · Top 6%
vs78 · Top 11%
Measured values
| Metric | Saginaw | McKinney | Source period |
|---|---|---|---|
| Population | 24,970 | 210,600 | 2024 ACS 5-Year |
| Median household income | $97,276 | $124,215 | 2024 ACS 5-Year |
| Per capita income | $41,029 | $55,643 | 2024 ACS 5-Year |
| Population density | 3,263/sq mi | 3,081/sq mi | 2024 ACS 5-Year |
| Median home value | $298,500 | $471,800 | 2024 ACS 5-Year |
| Median gross rent | $1,776 | $1,901 | 2024 ACS 5-Year |
| Homeownership rate | 68.3% | 63.8% | 2024 ACS 5-Year |
| Unemployment rate | 4.7% | 4.8% | June 2026 |
| Employment change (year over year) | -0.3% | -0.4% | June 2026 |
| Bachelor's degree or higher | 24.7% | 54.1% | 2024 ACS 5-Year |
| Poverty rate | 5.6% | 5.7% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 77 | 3,065 | 12 months ending July 2026 |
| Permits per 1,000 residents | 3.1 | 14.6 | 12 months ending July 2026 |
| Permit change (year over year) | -59.5% | -2.9% | 12 months ending July 2026 |
| Average July high | 96°F | 95°F | 1991-2020 Normals |
| Average January low | 35°F | 34°F | 1991-2020 Normals |
| Annual precipitation | 35.3" | 38.3" | 1991-2020 Normals |
| Distance to major airport | 9 mi | 27 mi | NASR current cycle |
| Average commute | 28.8 min | 29.7 min | 2024 ACS 5-Year |
| Median age | 37.2 | 36.9 | 2024 ACS 5-Year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Saginaw
Elevated or high exposure: hail.
McKinney
Elevated or high exposure: hail.
Full profiles: Saginaw, TX · McKinney, TX · How this is calculated: methodology