McKinney 75069

Dallas-Fort Worth-Arlington, TX · Collin County, TX · 1,866 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

49affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
30.9%
stretched
Days on market
55
daily
Price cuts
32.4%
of active
Valuation
+13.1%
vs assessor
Look up an address
42
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
0
Affordability
65
Valuation
70
Economic health
49

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

54/ 100SellerBalancedBuyer
Balanced Market
DOM: 60d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)85
Buy vs Rent (15%)75
Cancellation Rate (10%)75
Days on Market (5%)60

Balanced market in 75069. List price is roughly fair — focus on condition and value. Payment burden: 30.9% of median income. Median days on market: 60. Renting is approximately 79% cheaper than buying (price-to-rent ratio: 21.5).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 5.2% YoY.

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Market snapshoteach number, once

Median price
$421,637
▾ 5.2% YoY
Days on market
55
daily · zip_data
Median rent
$1,638
ZORI
Investor score
34/100
cash-flow lens
Active listings
160
90-day

Valuation3 lenses, different anchors

vs assessor
+13.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$477,081
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+64.6%
County-wide market — the widest, slowest signal.
Collin+64.6%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$175
Price-to-income5.1×

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How 75069 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity67%
Supply tightness67%
Affordability17%
Investment yield30%
Appreciation9%

Affordability, supply & momentum

33SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply11.8 mo
Days on Market55d
Inv vs History-16.9%
Listing Density10.5/1k
Affordability — payment burden
Monthly payment (P&I)$2,130
Payment burden30.9%
Median income · ZIP$82,804
Mortgage rate6.49% · 30yr
Total monthly own$2,551
Monthly rent$1,638
Market dynamics
Price cut %32.4%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply11.8
Sales (90d)0
Investment analysis
Median rent$1,638
Price-to-rent21.5
Est. cap rate3.0%
Buy vs rentfavors renting

Livability

Walk score3
Transit score
Bike score

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Collin County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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