Home Insurance Estimator for McAllen, TX
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Texas, driven by weather risks, construction costs, and local claims history. The median home value in McAllen is $185,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with McAllen local data
How McAllen Compares to the National Average
Understanding how McAllen stacks up helps you calibrate your financial planning.
| Metric | McAllen, TX | US Average | Difference |
|---|---|---|---|
| Median Home Price | $185,000 | $420,800 | -56.0% |
| Median Monthly Rent | $880 | $1,713 | -48.6% |
| Median Household Income | $44,000 | $74,580 | -41.0% |
| Property Tax Rate | 1.80% | 1.10% | +63.6% |
| Cost of Living Index | 81 | 100 | -19.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
McAllen Financial Snapshot
- Population (Metro)
- 900,000
- Unemployment
- 6.8%
- Avg Commute
- 21 min
- Median Age
- 29.4
- Price-to-Rent Ratio
- 17.5x
- Annual Property Tax
- $3,330
Home Insurance Estimator in Other Texas Cities
Frequently Asked Questions — McAllen
What is the median home price in McAllen, TX?
The median home price in McAllen is $185,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in McAllen?
Median monthly rent in McAllen is $880. That works out to $10,560/year, or 24% of the median household income — within the commonly recommended 30% of income guideline.
Is McAllen affordable?
McAllen's cost of living index is 81 vs. the national average of 100. With a median household income of $44,000/year and a median home price of $185,000, the price-to-income ratio is 4.2x. McAllen falls in the middle of the affordability spectrum for US cities.
What is the property tax rate in McAllen?
The effective property tax rate in McAllen is 1.80% of assessed value. On the median home of $185,000, that's roughly $3,330/year ($277/month).