McKinney, TX Rental Market for Investors
An estimated 34% of McKinney's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
As of October 2026, we analyzed 1,227 active for-sale homes in McKinney, Texas. The typical listing is priced at $550,000 and is projected to generate about $51,703 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 34.0% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking McKinney #162 of 200 for cash-flow potential.
On market momentum: homes in McKinney sit a median of 59 days on the market, and 27% 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: 98 of the 1,078 McKinney homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $651,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $250k–$350k | 0%0.96 | 31%1.17 | 38%1.11 | — |
| $350k–$500k | 0%0.81 | 7%0.98 | 12%1.07 | 60%1.26 |
| $500k+ | — | 0%0.71 | 1%0.78 | 14%0.84 |
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 | 1,227 |
|---|---|
| Median list price | $550,000 |
| Median projected STR revenue (annual, gross) | $51,703 |
| Median average daily rate (ADR) | $232 |
| Median occupancy | 64% |
| Median beds | 4 |
| Median size | 2,728 sqft |
| Estimated cash-flow-positive share | 34.0% |
| Median days on market | 59 days |
| New listings (last 30 days) | 27.2% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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