McKinney Electricity Rates & Plans in Oncor Territory
Compare plans in McKinney by estimated monthly cost at your usage, with Oncor delivery charges included.
Estimated costs are informational. Provider rates and plan terms may change. Confirm current details directly with the provider.
Active plans with valid pricing data. Refreshed every 6 hours. Confirm current rates with the provider before enrolling.
McKinney has spent two decades among the fastest-growing large cities in America, and its electricity market reflects that split personality: a historic downtown core of pre-war and mid-century homes around the courthouse square, surrounded by master-planned communities like Stonebridge Ranch and Craig Ranch where 3,000+ sq ft homes, pools, and EV chargers are common. Every McKinney address is in Oncor's deregulated territory, so the question isn't whether you can choose a provider — it's which plan structure fits your side of town.
Historic-district and east McKinney homes often run 800–1,200 kWh in summer, while west McKinney's master-planned communities routinely reach 1,600–2,200 kWh once pool pumps and EV charging are in the mix.
McKinney Electricity Rates — July 2026
In the week of July 20, 2026, 151 standard-priced plans from 43 providers were on the market in Oncor territory. At 1,000 kWh, the cheapest works out to 7.1¢/kWh all-in (about $71 for the month), and the territory average is 14.3¢/kWh — down 0.1¢ vs the week of June 22, 2026. All figures include Oncor delivery charges.
| Monthly usage | Cheapest rate | Average rate | Cheapest est. bill | Average est. bill |
|---|---|---|---|---|
| 500 kWh | 11.8¢/kWh | 15.4¢/kWh | $59/mo | $77/mo |
| 1,000 kWh | 7.1¢/kWh | 14.3¢/kWh | $71/mo | $143/mo |
| 2,000 kWh | 11.2¢/kWh | 14.2¢/kWh | $224/mo | $285/mo |
Standard-priced plans in the Oncor service territory tracked in the TrueBill database, weekly snapshot from July 20, 2026. Rate = estimated all-in monthly bill (energy + Oncor delivery charges) divided by usage — the same average-price definition the Electricity Facts Label uses. Time-of-use and free-period plans are excluded from rate figures. Oncor delivery charges are identical across the territory, so these rates apply to McKinney addresses served by Oncor. Plan pricing changes often — confirm current terms with the provider.
See how Texas electricity rates have trended · Monthly Texas market reports
Provider Rates on the Oncor Grid This Week
Lowest and average all-in rates per provider at 1,000 kWh, from the snapshot for the week of July 20, 2026.
| Provider | Plans | Lowest rate | Avg rate |
|---|---|---|---|
| AP GAS & ELECTRIC (TX) LLC | 6 | 7.10¢ | 12.05¢ |
| Chariot Energy | 6 | 7.25¢ | 11.41¢ |
| Discount Power | 4 | 8.36¢ | 13.15¢ |
| JUST ENERGY | 7 | 9.72¢ | 13.05¢ |
| TARA ENERGY | 7 | 11.03¢ | 13.31¢ |
| AMIGO ENERGY | 5 | 11.43¢ | 16.70¢ |
| TRUE POWER | 3 | 11.75¢ | 12.41¢ |
| Budget Power | 5 | 11.84¢ | 12.34¢ |
| Octopus Energy | 3 | 12.00¢ | 18.33¢ |
| VARSITY ENERGY LLC | 1 | 12.03¢ | 12.03¢ |
Rates are EFL average prices at 1,000 kWh including Oncor delivery charges. This is territory-level data — identical for every city on the Oncor grid, because providers price by TDSP territory, not by city. Full history on the Texas rate history page.
Typical Homes in McKinney
McKinney's historic district retains pre-war bungalows and mid-century homes on mature-tree lots, generally modest in size with correspondingly moderate usage. West of US-75, master-planned Stonebridge Ranch and Craig Ranch feature 2,500–4,500 sq ft two-story homes from the late 1990s onward, and growth corridors toward US-380 and Trinity Falls add newer construction each year. Pool ownership and EV adoption in west McKinney are well above Texas averages.
How to Compare McKinney Electricity Plans
Identify which McKinney usage profile you actually have. Homes near the historic square and in older east-side neighborhoods behave like typical mid-size Texas homes, and comparing at 1,000–1,200 kWh is usually representative. West McKinney households in Stonebridge Ranch, Craig Ranch, and newer developments toward US-380 should compare at 1,500–2,000 kWh, because pools and EV charging push usage well past the benchmarks most plans advertise against. Check where each plan's bill-credit thresholds and tier boundaries sit relative to your worst summer month, include Oncor delivery charges in the total, and confirm current terms with the provider before enrolling.
Local planning angle for McKinney
McKinney's newer housing stock is energy-efficient per square foot but simply large, and amenity loads — pool pumps, media rooms, Level 2 EV chargers — run year-round or on schedules. That makes threshold-based bill credits and time-of-use plans swing harder here than advertised rates suggest.
Why McKinney Residents Compare Electricity Plans
McKinney residents compare plans because the city's growth built two markets in one: modest historic-core homes where standard benchmarks apply, and large master-planned households whose pools and EVs make usage — and therefore the best-fit plan — look nothing like the 1,000 kWh advertising standard. Rankings that hold at the benchmark frequently reorder at 1,800 kWh.
Who Delivers Electricity in McKinney
Oncor (your delivery utility)
Oncor owns and maintains the poles, wires, transformers, and meters in McKinney. They handle outages and infrastructure, but they do not sell electricity plans. You choose a retail provider separately, and Oncor delivers the power regardless of which provider you pick.
Oncor's delivery charges are the same for every customer in Collin County, regardless of retail provider. TrueBill includes these charges in every estimate.
Review Oncor TDSP delivery charges and service-area details →McKinney is served by Oncor for delivery, the same TDSP as Plano and Frisco, so delivery charges are identical across the Collin County suburbs — plan structure is what changes your bill.
Typical Electricity Usage in McKinney
McKinney homes often use significantly more electricity during summer cooling months than during the rest of the year.
That seasonal swing changes plan economics: bill credits, minimum usage fees, and usage-based pricing can behave very differently as monthly usage moves up and down.
TrueBill ranks plans using your actual usage profile whenever possible instead of relying only on the standard 1,000 kWh benchmark.
Estimated profile derived from McKinney seasonal ranges and Oncor service-area usage patterns.
Seasonal Usage & Weather in McKinney
Monthly Usage Patterns
Older east-side and historic-district homes run roughly 600–1,000 kWh in mild months and 900–1,300 kWh in summer. West McKinney's large homes idle higher — 800–1,200 kWh in shoulder seasons — and reach 1,600–2,200 kWh from June through September when cooling and pool pumps stack.
How McKinney's Weather Affects Your Bill
McKinney shares Collin County's long 95–105°F summers, and its housing growth means many homes face their first full cooling season with an untested plan. North Texas cold snaps can also spike winter usage in all-electric new construction, so full-year plan behavior matters more than a single season's rate.
Top Electricity Plans in McKinney (Ranked by Real Monthly Cost)
Plans below are ranked by estimated total bill including Oncor delivery charges. Enter your actual monthly kWh for personalized results and confirm final details with the provider.
| # | Plan | Provider | Rate (1,000 kWh) | Est. bill (1,000 kWh) | Term | Fine print |
|---|---|---|---|---|---|---|
| 1 | SimpleSaver 12 | AP GAS & ELECTRIC (TX) LLC | 7.1¢/kWh | $71/mo | 12 mo | Credit cliff at 1,000 kWh, $150 cancel fee |
| 2 | GridPlus 12 | CHARIOT ENERGY | 7.2¢/kWh | $72/mo | 12 mo | Credit cliff at 1,000 kWh, $15 cancel fee |
| 3 | Bill Credit Bundle 13 | Discount Power | 8.4¢/kWh | $84/mo | 13 mo | Credit cliff at 1,000 kWh, $150 cancel fee |
| 4 | The Lone Saver Plus 12 | Energy Texas | 7.8¢/kWh | $83/mo | 12 mo | Credit cliff at 1,000 kWh, $20 cancel fee |
| 5 | Rhythm Max Saver 12 | RHYTHM | 7.8¢/kWh | $83/mo | 12 mo | Credit cliff at 1,000 kWh, $20 cancel fee |
Estimated bills include Oncordelivery charges. Confirm final pricing on the provider's Electricity Facts Label before enrolling. Use the interactive comparison below to rank all 153 plans at your own usage, or the full comparison tool.
What to Check Before Picking a Plan in McKinney
A pool pump adds roughly 150–300 kWh monthly from spring through fall, which can move a household across bill-credit or tier boundaries exactly when rates matter most.
Free-nights or time-of-use plans can fit McKinney EV households that schedule overnight charging, but only if enough total usage actually shifts off-peak. Compare against a flat fixed rate at your real split.
Advertised 1,000 kWh pricing tells you little about a 2,000 kWh August. Large-home comparisons should be run at high-usage points.
New-build buyers often stay on whatever plan was easiest at closing. Terms may not fit the home's actual first-year usage; re-compare after a full summer.
TrueBill factors these plan structures into every estimate. Plan terms can change, so confirm details with the provider before enrolling.
Frequently Asked Questions About Electricity in McKinney
Who delivers electricity in McKinney, and can I pick my provider?
What usage level should McKinney households compare plans at?
Do free-nights plans make sense for McKinney EV owners?
I just moved into a new build in McKinney — should I keep the plan I signed at move-in?
Can I switch electricity providers in McKinney?
How do Oncor delivery charges affect my total McKinney electricity bill?
What is the difference between the Oncor delivery charge and the energy charge on my McKinney electricity bill?
McKinney ZIP Codes
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Estimated costs are informational. Provider rates and plan terms may change. Confirm current details directly with the provider.