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Plano, TX

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US location · verified

Neighborhood intelligence

Your Plano relocation brief

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

Median rent

$1,841/mo

ACS 2024 5-year

Median household income

$112,253

ACS 2024 5-year

Median home value

$465,900

ACS 2024 5-year

Safety score

75/100

FBI CDE

Weather

76°F (H 83° / L 69°)

Open-Meteo

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

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 39% below average FBI data, 2023–2024

Above Average

Noise Level

47 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 76°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 63 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Plano TX

Plano offers above-average safety (75/100). Rent runs $1,841/month and median income sits at $112,253.

Plano has about 290,594 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Plano TX Safe?

Plano TX scores 75/100 on safety (above average). Crime is about 39% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 61 (100 = avg); violent crime index 42; property crime index 80. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Plano TX

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

Cost of Living in Plano TX

Typical rent in Plano is about $1,841/month (on the high side). At $1,841/month for a typical unit, you need about $66,276+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $465,900.

Median household income is $112,253, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($112,253) clears the $66,276 comfort line for that rent.

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

Weather and Climate in Plano TX

Average temperature is about 76°F (highs near 83°F, lows near 69°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Plano TX?

Who tends to thrive in Plano: (1) Households that want quieter streets (safety sits at 75/100) (2) Dual-income households (at $1,841/month, the rent math works much better with two salaries) (3) Tech and finance workers (the job market is real and no state income tax compounds that advantage at higher salaries) (4) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $1,841/month) (2) Anyone stretching past 40% of take-home on housing at $1,841/month (3) Households expecting top marks on rent and safety at once (Plano does not clear every bar)

Income sniff test: clear about $66,276 household income for $1,841/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Plano holds up well on the core metrics we publish. Safety at 75/100 makes it a reasonable choice for households who can manage $1,841/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

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

Relocation deep-dive

Before you sign anything

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

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$3,180

Mortgage + tax + insurance + HOA

Annual property tax

$6,756

Annual est. $5,580

Est. monthly utilities

$1,049

Climate-adjusted electric, gas & water

Median home price

$465,900

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$419k
2022
$430k
2023
$442k
2024
$454k
2025
$466k
2026

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

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,339/mo vs buying
$1,841ACS 2024 5-year
Rent
$3,180
Buy

Mortgage

$2,356

Property tax

$563

Insurance

$166

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%

$6,183/yr

2024

1.37%

$6,368/yr

2025

1.41%

$6,559/yr

2026

1.45%

$6,756/yr

Buying in Plano? 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

103 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$1,997/yr

moderate exposure
Wind hazard index63 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 76°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,997.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Plano 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