McKinney Electricity Rates, Explained

Just want the cheapest plan? This guide explains how McKinney electricity rates actually work. To rank today’s live plans by your real usage, use the McKinney rate comparison tool →

Last updated: October 18, 2026  ·  7 min read

McKinney is one of the fastest-growing cities in the United States — a Collin County suburb north of Dallas that has transformed from a small historic town into a major residential market of nearly 250,000. Its housing stock is predominantly large single-family homes built in the 1990s through the present, with an active new construction market continuing to add units in its northern and western corridors. Every McKinney address is within Oncor Electric Delivery's deregulated service territory. Like neighboring Plano and Frisco, McKinney's large-home profile means summer electricity usage that regularly exceeds the 1,000 kWh advertised benchmark — often by 50% or more.

Oncor in McKinney — Collin County Market

Oncor Electric Delivery serves McKinney and all of Collin County as the regulated TDU. Oncor's TDSP charges — a fixed monthly customer fee and a per-kWh distribution charge regulated by the PUCT — appear on every McKinney bill. At 1,000 kWh, these charges typically add $8–$13. At 2,000 kWh in peak summer, the delivery component rises to $16–$22.

McKinney sits at the northern edge of the DFW metroplex — the same Oncor service territory that covers Dallas, Plano, and Frisco. Plan availability is equivalent across the entire Oncor footprint, meaning McKinney residents access 60–90 active plans from 20+ providers.

McKinney ZIP Codes and Housing Profile

ZIP	Area	Typical Home Size	Est. August Usage
75069	Central / Historic McKinney	1,200–2,400 sq ft (older and renovated)	1,000–1,600 kWh
75070	West McKinney, established suburbs	2,000–3,500 sq ft (2000s–2010s)	1,300–1,900 kWh
75071	North McKinney, newest growth	2,200–4,500 sq ft (2010s–present)	1,500–2,200 kWh
75072	Stonebridge Ranch area	2,000–4,000 sq ft, master-planned community	1,400–2,000 kWh

Why the 2,000 kWh EFL Tier Matters Most in McKinney

McKinney's Collin County housing stock is large by Texas standards. A 3,000 sq ft home in north McKinney with a 16-SEER HVAC running on a 100°F August day in DFW will use 55–75 kWh per day. Over 31 August days, that is 1,700–2,300 kWh. For these households, the 1,000 kWh advertised rate is essentially irrelevant — it describes usage that the home exceeds by the 10th of the month.

The 2,000 kWh EFL tier — the third and final required disclosure price on every Electricity Facts Label — is where McKinney summer comparison should start. A plan with a higher advertised rate but a significantly lower 2,000 kWh rate will almost always win for large-home McKinney households. This is the core value of interpolated comparison: it shows you exactly which plan wins at your real usage level.

Key Takeaways

McKinney ZIP codes 75069–75072 are Oncor territory — delivery charges are fixed. Large Collin County homes drive summer usage of 1,400–2,200 kWh — making the 2,000 kWh EFL tier the most relevant comparison point, not the 1,000 kWh advertised rate. Compare plans at your actual usage level for meaningful savings.

Frequently Asked Questions

What are typical electricity rates in McKinney, Texas?

As of May 2026, fixed-rate plans in McKinney (Oncor Electric Delivery territory) typically advertise 9.5–13.5 cents per kWh at 1,000 kWh. McKinney's Collin County location and large newer suburban homes drive typical summer usage of 1,400–2,000 kWh — well above the 1,000 kWh advertised benchmark. Compare at the 2,000 kWh EFL tier for the most accurate picture of your summer bill.

Who is the TDU for McKinney electricity?

Oncor Electric Delivery is the TDU for McKinney in Collin County. Oncor's TDSP charges — a fixed monthly customer fee plus a per-kWh distribution charge — appear on every McKinney bill regardless of REP. You cannot switch your TDU but can freely shop for competitive retail electric providers.

What ZIP codes cover McKinney for electricity?

McKinney's primary residential ZIP codes are 75069, 75070, 75071, and 75072. ZIP 75069 covers central and older McKinney including the historic downtown area. ZIP 75070 and 75071 cover newer north and west McKinney development. ZIP 75072 covers established western McKinney neighborhoods. All are Oncor territory within the deregulated ERCOT market.

How does McKinney electricity compare to Plano or Frisco?

McKinney, Plano, and Frisco are all Oncor Electric Delivery territory within Collin County, with identical TDU delivery charges and access to the same competitive plan market. Housing sizes trend similar — all three cities are dominated by 2,000–4,000 sq ft single-family homes. Usage and bill comparisons depend almost entirely on your specific home size and HVAC efficiency, not which Collin County city you live in.

McKinney is one of the fastest-growing cities in the US — does that affect electricity availability?

New development in McKinney means new meters being added to Oncor's grid regularly. New homes in McKinney typically have competitive plan options available immediately upon meter activation. If you have recently moved into a new-construction McKinney home and have not yet chosen a plan, you are likely on a default holdover variable rate — switch immediately.

Are there electricity assistance programs in McKinney?

LITE-UP Texas (the PUCT's low-income electricity assistance program) applies to eligible Oncor territory customers including McKinney. Additionally, Collin County may have local weatherization programs. Contact the Texas Department of Housing and Community Affairs or your county office for current program availability.

Your Next Move

Enter your McKinney ZIP in the search tool for live plan comparisons. For the adjacent Collin County markets, see the Plano electricity rates guide and the Frisco electricity rates guide — all three cities share the same TDU, plan market, and large-home usage profile. The True Cost Calculator models any plan at your actual usage level.