McAllen vs Memphis for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in McAllen, TX vs Memphis, TN.
- 2BR rent: $1,250/mo in McAllen vs $1,400/mo — 11% difference
- More affordable homeownership in McAllen: $185K median vs $200K
- Higher median household income in Memphis: $42K/yr vs $42K
- McAllen has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | McAllen Texas | Memphis Tennessee |
|---|---|---|
| 2BR rent/month | $1,250Better | $1,400 |
| Median home price | $185KBetter | $200K |
| Median household income | $42KBetter | $42K |
| Est. childcare/month | $1,014Better | $1,079 |
| State income tax | NoneBetter | None |
| Sales tax (combined) | 8.3%Better | 9.8% |
Frequently asked questions
Which city is better for raising a family — McAllen or Memphis?
Based on housing costs, income, and taxes, McAllen scores slightly better for families overall. McAllen has lower 2-bedroom rents, McAllen is more affordable for homebuyers, though both cities have strong family communities.
What is the average 2-bedroom rent in McAllen vs Memphis?
As of Q1 2026, median 2BR rent is $1,250/month in McAllen and $1,400/month in Memphis. McAllen is 11% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in McAllen or Memphis?
The price-to-income ratio in McAllen is 4.4× ($185K home, $42K income) vs 4.8× in Memphis. A ratio below 3× is generally considered affordable. McAllen is more achievable for first-time family homebuyers.
How much does childcare cost in McAllen vs Memphis?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,014/month in McAllen and $1,079/month in Memphis. These are estimates — actual costs vary by provider and program type.
Which city has lower taxes for families?
McAllen (Texas) has no state income tax vs Memphis (Tennessee) has no state income tax. For a dual-income family earning $120K combined, the difference can mean $0+/month in take-home.
Childcare estimates based on national average scaled by COL index. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
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