McKinney, TX Rental Market for Investors
An estimated 31% of McKinney's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in McKinney that pencil right now
A sample of active McKinney listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$218,900DSCR 1.943 bed · 1 bath · 1,080 sqft
- STR revenue
- $43,140/yr
- Est. interest-only payment
- $1,482/mo
On the market 38 days · Listed by eXp Realty LLC
Scout this home & market: 3-bed house in McKinney
$239,000DSCR 1.652 bed · 2.5 bath · 1,207 sqft
- STR revenue
- $43,931/yr
- Est. interest-only payment
- $1,775/mo
On the market 65 days · Listed by Keller Williams N. Collin Co.
Scout this home & market: 2-bed townhouse in McKinney
$270,000DSCR 1.392 bed · 1 bath · 880 sqft
- STR revenue
- $40,683/yr
- Est. interest-only payment
- $1,948/mo
On the market 11 days · Listed by Texas Elation Realty, Llc
Scout this home & market: 2-bed house in McKinney
$328,000DSCR 1.293 bed · 2 bath · 1,673 sqft
- STR revenue
- $47,483/yr
- Est. interest-only payment
- $2,461/mo
On the market 16 days · Listed by Sunet Group
Scout this home & market: 3-bed house in McKinney
$359,000DSCR 1.363 bed · 2 bath · 1,315 sqft
- STR revenue
- $53,505/yr
- Est. interest-only payment
- $2,614/mo
On the market 174 days · Listed by Merit Homes
Scout this home & market: 3-bed house in McKinney
$389,000DSCR 1.433 bed · 2.5 bath · 2,189 sqft
- STR revenue
- $60,617/yr
- Est. interest-only payment
- $2,830/mo
On the market 30 days · Listed by Phillips Realty Group & Assoc
Scout this home & market: 3-bed house in McKinney
$445,000DSCR 1.283 bed · 2.5 bath · 2,017 sqft
- STR revenue
- $60,617/yr
- Est. interest-only payment
- $3,151/mo
On the market 32 days · Listed by ALLIE BETH ALLMAN & ASSOCIATES
Scout this home & market: 3-bed house in McKinney
As of August 2026, we analyzed 1,310 active for-sale homes in McKinney, Texas. The typical listing is priced at $549,000 and is projected to generate about $51,401 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 31.1% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking McKinney #167 of 200 for cash-flow potential.
On market momentum: homes in McKinney sit a median of 66 days on the market, and 23% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — McKinney runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in McKinney
Cash-flow is the exception rather than the rule in McKinney right now: 81 of the 1,177 McKinney homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $582,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $250k–$350k | 13%1.04 | 36%1.19 | 31%1.00 | — |
| $350k–$500k | 0%0.81 | 6%0.98 | 7%1.02 | 67%1.35 |
| $500k+ | — | 0%0.73 | 1%0.78 | 6%0.87 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
McKinney in full
| Active for-sale homes analyzed | 1,310 |
|---|---|
| Median list price | $549,000 |
| Median projected STR revenue (annual, gross) | $51,401 |
| Median average daily rate (ADR) | $230 |
| Median occupancy | 63% |
| Median beds | 4 |
| Median size | 2,664 sqft |
| Estimated cash-flow-positive share | 31.1% |
| Median days on market | 66 days |
| New listings (last 30 days) | 23.2% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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