Find Your Ideal Property in McKinney, TX
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About the McKinney, TX Housing Market
Facts About the McKinney, TX Real Estate Market
- Median Listing Home Price: The typical home in McKinney is listed around $535,000, reflecting the city's strong schools, suburban appeal, and continued population growth.
- Median Days on Market: Homes here average 47 days on the market—signaling healthy demand with slightly faster movement than larger urban centers like Dallas.
- Median Listing Price Per Square Foot: At approximately $217 per square foot, McKinney’s pricing remains competitive while still delivering long-term value in established and newer neighborhoods alike.
- Active Listings: With roughly 850 active listings on the market, buyers can choose from a variety of single-family homes, townhomes, and new construction properties throughout the city.
- Median Rent: The average rent in McKinney is about $2,195 per month, attracting renters who want proximity to top-rated schools, parks, and a peaceful suburban atmosphere just north of Dallas.
Why Buy a Home in Mckinney, TX?
Top Features of Homes in McKinney for Veterans and Military Families
- Architectural Styles: Choose from charming ranch-style homes, newer brick builds with VA-eligible features, or custom residences in secure, master-planned communities.
- Neighborhood Amenities: Many communities offer walking trails, parks, pools, and quick access to top-rated McKinney ISD schools — ideal for Military families with children.
- Price Range: Home prices range from the low $300Ks to over $1M, with many homes eligible for VA loans and minimal out-of-pocket costs.
- Energy Efficiency: Newer homes often include energy-saving systems and smart home features — ideal for long-term savings and comfort.
Real Estate Market Trends in McKinney
- Property values continue to rise steadily, offering strong equity growth for Veterans investing in long-term homeownership.
- Desirable homes, especially those near bases or top schools, tend to sell quickly — preparation is key.
- Spring and fall are peak buying seasons, especially for Military families relocating on PCS orders.
Homebuying Tips for Veterans and Military Buyers in McKinney
- Work with a real estate agent experienced in VA loans who understands the timelines and needs of Veterans and Military buyers.
- Get pre-approved for your VA loan before house hunting to make competitive offers with confidence.
- Explore both historic and new neighborhoods — from the charm of downtown McKinney to VA-approved subdivisions in Trinity Falls and Stonebridge Ranch.
Top Neighborhoods and Schools in Mckinney, TX
Best Neighborhoods in McKinney, TX for Veterans and Military Families
| Neighborhood | Average Home Price | School Rating | Crime Rate | Local Amenities |
|---|---|---|---|---|
| Stonebridge Ranch | $720,000 | 9 | Very Low | Golf, Trails, Resort-Style Amenities |
| Trinity Falls | $580,000 | 9 | Low | Parks, New Construction, VA Loan-Friendly |
| Historic Downtown McKinney | $530,000 | 8 | Low | Shops, Dining, Small-Town Charm |
| Craig Ranch | $640,000 | 9 | Very Low | Fitness Centers, New Schools, Master-Planned |
| Wilmeth Ridge | $600,000 | 9 | Low | Quiet Streets, Great Schools, Family-Oriented |
| Hardin Lakes | $575,000 | 8 | Low | Scenic Trails, Community Events |
| Tucker Hill | $680,000 | 9 | Very Low | Southern Architecture, Walkability |
Related Resources for McKinney Veterans
- VA Home Buying Guide: A step-by-step guide for first-time Veteran homebuyers.
- PCS Relocation Tips: Helpful insights for Military families moving to the McKinney area.
- Market Reports: Stay current with the latest McKinney housing trends.
Top-Rated Schools in McKinney, TX
Elementary Schools in McKinney
| School Name | Address | Student-Teacher Ratio | Total Students | GreatSchools Rating |
|---|---|---|---|---|
| Walker Elementary School | 4000 Cockrill Dr, McKinney, TX 75070 | 15:1 | 650 | 9 |
| Bennett Elementary School | 2501 Belmont Blvd, McKinney, TX 75072 | 14:1 | 580 | 9 |
| Eddins Elementary School | 311 Peregrine Dr, McKinney, TX 75070 | 14:1 | 600 | 9 |
Middle Schools in McKinney
| School Name | Address | Student-Teacher Ratio | Total Students | GreatSchools Rating |
|---|---|---|---|---|
| Dowell Middle School | 301 Ridge Rd, McKinney, TX 75072 | 15:1 | 1,000 | 9 |
| Faubion Middle School | 2000 Rollins St, McKinney, TX 75069 | 15:1 | 950 | 8 |
| Evans Middle School | 6998 W Eldorado Pkwy, McKinney, TX 75070 | 14:1 | 1,050 | 9 |
High Schools in McKinney
| School Name | Address | Student-Teacher Ratio | Total Students | GreatSchools Rating |
|---|---|---|---|---|
| McKinney Boyd High School | 600 N Lake Forest Dr, McKinney, TX 75071 | 17:1 | 2,700 | 9 |
| McKinney High School | 1400 Wilson Creek Pkwy, McKinney, TX 75069 | 16:1 | 2,200 | 8 |
| McKinney North High School | 2550 Wilmeth Rd, McKinney, TX 75071 | 17:1 | 2,000 | 8 |
FAQ about Buying a Home in McKinney, TX
As of early 2025, the median home price in McKinney is approximately $535,000. The city’s strong schools, safe neighborhoods, and growing economy continue to drive demand, especially among Veterans and Military families seeking long-term value.
How much do I need for a down payment?
Veterans using a VA loan can often purchase a home in McKinney with **$0 down**. For non-VA options, many buyers use FHA or conventional loans with as little as 3%–5% down.
What are the typical closing costs in McKinney?
Closing costs usually range from 2% to 5% of the purchase price. Veterans using VA loans may have **reduced or covered closing costs**, especially when working with an agent familiar with VA-friendly negotiations.
Is it better to rent or buy in McKinney?
Buying can be highly beneficial in McKinney, especially for Veterans planning to stay long-term. With appreciation trends and **VA loan tax exemptions**, ownership often offers more value than renting.
How competitive is the McKinney housing market?
McKinney is moderately competitive. Desirable homes, especially those near top-rated schools or with VA eligibility, can move quickly. Pre-approval and working with a VA-experienced agent helps you stay ahead.
What credit score is needed to buy a home in McKinney?
VA loans typically require a minimum credit score of 580–620, depending on the lender. Higher scores may unlock better rates, but **Veterans with lower scores can still qualify** through VA-friendly lenders.
Should I get pre-approved before house hunting?
Absolutely. VA loan pre-approval gives you a clear picture of your budget and shows sellers you’re a serious, qualified buyer—essential in a fast-moving market like McKinney.
What neighborhoods are best for Veterans and Military families in McKinney?
Neighborhoods like **Trinity Falls**, **Craig Ranch**, and **Stonebridge Ranch** are highly rated for their amenities, schools, and VA-eligible homes—ideal for families relocating or settling after service.
Are there any homebuyer programs for Veterans in McKinney?
Yes. In addition to the **VA loan program**, many Veterans may qualify for **Texas-specific assistance** and **local closing cost grants**. Working with a VA-approved lender ensures you don’t miss out on benefits.
How long does it take to close on a home in McKinney?
Most VA loan closings in McKinney take **30 to 45 days**, depending on the lender, appraisal timeline, and any negotiated repairs or credits.