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Mcallen, TX

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US location · verified

Neighborhood intelligence

Your Mcallen relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Mcallen.

Median rent

$1,049/mo

ACS 2024 5-year

Median household income

$61,579

ACS 2024 5-year

Median home value

$190,400

ACS 2024 5-year

Safety score

72/100

FBI CDE

Weather

84°F (H 91° / L 77°)

Open-Meteo

Buying in Mcallen? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

72/100

FBI CDE

Above-average peace of mind — 32% below average FBI data, 2023–2024

Above Average

Noise Level

48 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 84°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 80 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Mcallen TX

Mcallen offers above-average safety (72/100). Rent runs $1,049/month and median income sits at $61,579.

Mcallen has about 145,385 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Mcallen TX Safe?

Mcallen TX scores 72/100 on safety (about average). Crime is about 32% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 68 (100 = avg); violent crime index 39; property crime index 97. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Mcallen TX

School quality varies by neighborhood in Mcallen. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Mcallen TX

Typical rent in Mcallen is about $1,049/month (affordable). At $1,049/month for a typical unit, you need about $37,764+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $190,400.

Median household income is $61,579, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($61,579) clears the $37,764 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Mcallen TX

Average temperature is about 84°F (highs near 91°F, lows near 77°F).

Midafternoon outdoor time is limited most of summer without shade and water. Plan on summer electric bills around $200–$300/month for a typical apartment if you run AC hard. If you visit, go in July or August. That is the real test.

Who Should Move to Mcallen TX?

Who tends to thrive in Mcallen: (1) Renters who want $1,049/month housing without coastal prices (comfort income is about $37,764) (2) People who genuinely love heat and do not mind living indoors June through September (highs near 91°F) (3) People relocating for a job who can pick a safer ZIP (citywide safety is 72/100) (4) Households earning $37,764+ who can clear the 3× rent rule at $1,049/month

Who should look elsewhere: (1) People who need outdoor time year-round for their mental health (summers lock you inside for 3–4 months; highs near 91°F) (2) Households expecting top marks on rent and safety at once (Mcallen does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $37,764 household income for $1,049/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Mcallen holds up well on the core metrics we publish. Safety at 72/100 makes it a reasonable choice for households who can manage $1,049/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Mcallen when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Mcallen.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,356

Mortgage + tax + insurance + HOA

Annual property tax

$2,761

Annual est. $5,580

Est. monthly utilities

$416

Climate-adjusted electric, gas & water

Median home price

$190,400

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$171k
2022
$176k
2023
$181k
2024
$185k
2025
$190k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$307/mo vs buying
$1,049ACS 2024 5-year
Rent
$1,356
Buy

Mortgage

$963

Property tax

$230

Insurance

$68

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,527/yr

2024

1.37%

$2,603/yr

2025

1.41%

$2,681/yr

2026

1.45%

$2,761/yr

Buying in Mcallen? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

95 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$816/yr

moderate exposure
Wind hazard index80 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 84°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $816.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Mcallen to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo