McKinney 75070

Dallas-Fort Worth-Arlington, TX · Collin County, TX · 3,132 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

55affordability /100

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

Payment burden
27.4%
affordable
Days on market
33
daily
Price cuts
31.0%
of active
Valuation
+0.8%
vs assessor
Look up an address
54
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
0
Affordability
85
Valuation
90
Economic health
55

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

46/ 100SellerBalancedBuyer
Balanced Market
DOM: 82d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 75070. List price is roughly fair — focus on condition and value. Payment burden: 27.4% of median income. Median days on market: 82. Renting is approximately 102% cheaper than buying (price-to-rent ratio: 24.3).

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 6.2% YoY.

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Market snapshoteach number, once

Median price
$481,720
▾ 6.2% YoY
Days on market
33
daily · zip_data
Median rent
$1,655
ZORI
Investor score
24/100
cash-flow lens
Active listings
213
90-day

Valuation3 lenses, different anchors

vs assessor
+0.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$485,728
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$201
Price-to-income4.5×

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How 75070 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity88%
Supply tightness45%
Affordability26%
Investment yield22%
Appreciation5%

Affordability, supply & momentum

38SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply13.0 mo
Days on Market33d
Inv vs History+4.7%
Listing Density9.8/1k
Affordability — payment burden
Monthly payment (P&I)$2,433
Payment burden27.4%
Median income · ZIP$106,549
Mortgage rate6.49% · 30yr
Total monthly own$2,915
Monthly rent$1,655
Market dynamics
Price cut %31.0%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply13
Sales (90d)0
Investment analysis
Median rent$1,655
Price-to-rent24.3
Est. cap rate2.7%
Buy vs rentfavors renting

Livability

Walk score2
Transit score1
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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