Homes for Sale in McKinney, Texas
Proven VA-Focused Agents Who Put Veterans First
- ✅ Carefully Vetted for VA Expertise:
Every agent in our team is selected for their deep experience helping Veterans and Military families. We only partner with professionals who consistently deliver for those who’ve served. - ✅ Skilled in the VA Loan Process:
From VA appraisals to entitlement calculations and funding fees, our agents are well-versed in the unique requirements of VA loans. They know how to keep things moving without surprises. - ✅ Fighting to Save You Money on Closing Costs:
Our agents know how to negotiate smart — not just on price, but on terms. Often, they work to get the seller to cover your closing costs, easing the upfront burden. - ✅ Managing Home Inspections for You:
We’ll handle the scheduling and coordination of all necessary inspections to keep your home purchase on track. Expect reliable communication every step of the way. - ✅ Spotting VA Issues Before They Become Problems:
Our agents are trained to identify VA appraisal concerns before they derail your offer — helping you avoid wasted time, energy, or expenses. - ✅ Remote Tours for Military Relocation:
Not in town yet? We’ve got you covered with live video tours and virtual walkthroughs — ideal for PCS orders or fast-moving situations. - ✅ Led by Green Beret Levi Rodgers:
Founded by retired Green Beret and Purple Heart recipient Levi Rodgers, our network is built on trust, integrity, and lived Military experience. Our team understands what’s at stake — because we’ve been there.
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.
Top McKinney Neighborhoods for Veterans
| Neighborhood | Median Home Price | Est. Monthly VA Mortgage Payment | Proximity to Services | Notable Features |
|---|---|---|---|---|
| Stonebridge Ranch | $720,000 | $4,420 | 25 mins to VA Clinic Plano, 45 mins to Dallas VA | Resort-style amenities, top-rated schools, family friendly |
| Trinity Falls | $580,000 | $3,560 | 20 mins to National Guard Armory, quick US-75 access | Master-planned, new builds, VA loan-friendly developers |
| Craig Ranch | $640,000 | $3,930 | 30 mins to VA Clinic Plano, 40 mins to Dallas VA Hospital | Fitness amenities, close to highways, newer homes |
| Historic Downtown | $530,000 | $3,260 | 5 mins to McKinney VA Community-Based Outpatient Clinic | Walkable charm, local shops, Military-friendly community |
| Wilmeth Ridge | $600,000 | $3,680 | 22 mins to VA Clinic Plano | Newer builds, great schools, peaceful surroundings |
| Tucker Hill | $680,000 | $4,175 | 30 mins to North Dallas Military & Veteran Services | Southern-style homes, community events, scenic design |
Neighborhood Insights
Stonebridge Ranch: One of McKinney’s most popular master-planned communities, Stonebridge Ranch is a favorite among Veterans for its peaceful setting, VA-eligible homes, and strong resale value. It features community lakes, trails, golf, and access to top-performing schools—ideal for Military families looking to settle long-term.
Trinity Falls: Located just north of central McKinney, Trinity Falls offers newer construction homes that often qualify for VA financing. The neighborhood has a strong Military presence, with scenic greenbelts, a private amenity center, and convenient access to Highway 75 and nearby VA clinics.
Craig Ranch: Craig Ranch is perfect for active-duty Military or Veterans seeking fitness, recreation, and convenience. With easy access to major highways and a wide range of home styles, this community combines lifestyle and location for families using their VA benefits.
Historic Downtown McKinney: Known for its charming square and walkable shops, the Historic District offers character-rich homes, many updated for modern living. It’s ideal for Veterans seeking a smaller-town feel with access to services, plus the McKinney VA Outpatient Clinic is just minutes away.
Wilmeth Ridge: For those wanting new construction with a quiet, family-oriented vibe, Wilmeth Ridge is a top pick. The community is home to highly rated schools, scenic walking paths, and floor plans that work well for VA loan approval.
Tucker Hill: With Southern-style architecture and a true community atmosphere, Tucker Hill stands out for its curb appeal and Military-friendly environment. Residents enjoy front porch living, community events, and proximity to both local amenities and VA medical resources.
BAH Rates in McKinney
How BAH Supports Homeownership in McKinney
McKinney is a top destination for Veterans and Military families relocating to North Texas — and your Basic Allowance for Housing (BAH) can make homeownership even more accessible here. When combined with a VA loan, your BAH may fully cover your monthly housing costs.
As of 2025, BAH rates for McKinney fall under the Dallas/Fort Worth Metro Area (MHA: TX263) and have increased in response to rising home values and living expenses. Your exact allowance will vary based on rank and dependent status — but it’s often enough to support a mortgage comfortably in many McKinney neighborhoods.
With your VA loan and BAH combined, you can:
- Buy a home in McKinney with $0 down
- Avoid paying monthly mortgage insurance (PMI)
- Use BAH to cover your full monthly mortgage payment, taxes, and insurance
💡 Smart tip: In many McKinney communities like Trinity Falls and Craig Ranch, your BAH can stretch farther than rent — helping you build equity while keeping monthly expenses manageable.
2025 BAH Rates for McKinney, TX (MHA: TX263)
Below are the monthly Basic Allowance for Housing (BAH) rates for service members stationed in or relocating to the McKinney area. These 2025 rates apply whether you’re active-duty Military, National Guard, or a Veteran using BAH in coordination with a VA loan.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 to E-4 | $2,142 | $2,142 |
| E-5 | $2,343 | $2,343 |
| E-6 | $2,568 | $2,568 |
| E-7 | $2,586 | $2,586 |
| E-8 | $2,610 | $2,610 |
| E-9 | $2,647 | $2,647 |
| W-1 | $2,587 | $2,587 |
| W-2 | $2,603 | $2,603 |
| W-3 | $2,618 | $2,618 |
| W-4 | $2,639 | $2,639 |
| W-5 | $2,666 | $2,666 |
| O-1 | $2,576 | $2,576 |
| O-2 | $2,589 | $2,589 |
| O-3 | $2,631 | $2,631 |
| O-4 | $2,647 | $2,647 |
| O-5 | $2,675 | $2,675 |
| O-6 | $2,702 | $2,702 |
| O-7 | $2,735 | $2,735 |
Why McKinney Is a Top Choice for Veterans Buying a Home
McKinney may be known for its historic charm and top-rated schools, but it’s also a rising destination for Veterans and Military families seeking long-term stability. With access to VA-approved communities, supportive local services, and a welcoming environment, McKinney stands out as a smart choice for those who’ve served.
- Texas has no state income tax — letting Veterans keep more of their hard-earned benefits and retirement pay
- McKinney homeowners with a 100% VA disability rating can qualify for **full property tax exemptions** through the state of Texas
- Many local lenders, builders, and agents in McKinney are experienced in working with VA loans and Military buyers
- Close proximity to **VA outpatient clinics, Texas Veterans Commission services**, and active VFW and American Legion posts in Collin County
Why McKinney Is a Top Choice for Veterans Buying a Home
McKinney may be known for its historic charm and top-rated schools, but it’s also a rising destination for Veterans and Military families seeking long-term stability. With access to VA-approved communities, supportive local services, and a welcoming environment, McKinney stands out as a smart choice for those who’ve served.
- Texas has no state income tax — letting Veterans keep more of their hard-earned benefits and retirement pay
- McKinney homeowners with a 100% VA disability rating can qualify for **full property tax exemptions** through the state of Texas
- Many local lenders, builders, and agents in McKinney are experienced in working with VA loans and Military buyers
- Close proximity to **VA outpatient clinics, Texas Veterans Commission services**, and active VFW and American Legion posts in Collin County
📍 Military Installations We Support Near McKinney
McKinney sits in a prime North Texas location for active-duty Military, transitioning service members, and Veterans looking to put down roots in a stable, supportive community. Our team helps Military families align their PCS needs, VA loan benefits, and long-term housing goals across the region.
- Naval Air Station Joint Reserve Base (NAS JRB) Fort Worth: Located about 1 hour from McKinney, NAS JRB supports Navy, Marine, Army Reserve, and Air Force units. Many Military families stationed here prefer to live in north Dallas suburbs like McKinney for schools, safety, and VA-approved communities.
- Fort Cavazos (formerly Fort Hood): Just over 2 hours south, Fort Cavazos remains one of the country’s largest Military posts. McKinney is a popular destination for retiring or separating service members seeking better job markets and suburban quality of life.
- Sheppard Air Force Base: Roughly 2.5 hours north in Wichita Falls, Sheppard AFB serves as a major Air Force training hub. Many airmen and Veterans relocate to McKinney for its strong housing market, top schools, and access to VA healthcare in nearby Plano and Dallas.
Wherever you’re stationed or transitioning from, our VA-experienced agents are here to guide you through the McKinney market — from loan pre-approval to closing.
💰 2025 VA Loan Limits in McKinney (Collin County)
Buying a home with a VA loan in McKinney means access to flexible financing and strong purchasing power. With full entitlement, there is **no loan limit**, meaning you can buy at any price point you’re qualified for — **with no down payment required**.
For Veterans with partial entitlement, county loan limits apply. In 2025, the VA loan limit for **Collin County** is:
- $806,500 for a single-family home
This aligns with the FHFA’s national conforming loan cap. Most homes in McKinney fall well within this range — but if you’re buying above it, **VA jumbo loans** are available with excellent terms and potentially no down payment based on remaining entitlement.