Choosing electricity in McKinney means choosing a retail provider, because the city is part of the Texas market open to retail competition. Oncor takes care of delivery: its poles, wires and meters carry power to McKinney homes no matter which provider you pay. That leaves providers competing for your business on rates, term lengths and plan features.
The table below refreshes with live prices for Oncor addresses. Below it, we cover where McKinney prices landed this month, why the lowest prices in the table all hinge on a usage credit, and how to check a plan's Electricity Facts Label (EFL), the official fact sheet with its prices, fees and terms, before you enroll. We checked these prices on November 4, 2026, and we update the page every month.
Popular Cities Around McKinney: Allen | Plano | Frisco | Wylie | Sachse | Van Alstyne | Richardson
The figures below are averages per kilowatt-hour (kWh), the unit your meter records, at 1,000 kWh of monthly use unless noted. They include Oncor's delivery charges and were current on November 4, 2026.
The plans we could confirm in our McKinney table ran from 7.4¢ to 9.0¢ per kWh.
Power to Choose, the official Texas comparison site, listed 171 plans from 42 providers in the Oncor service area.
On Power to Choose, the 147 standard fixed-rate plans (prepaid and time-of-use excluded) ran from 6.2¢ to 16.3¢, half of them cost 13.1¢ or less, and the median 12-month plan was 13.0¢.
On Power to Choose, the cheapest bill-credit plans showed 6.2¢, 6.9¢ and 7.4¢, while bill-credit plans cost 18.0¢ to 27.0¢ at 500 kWh.
On Power to Choose, the cheapest 12-month plans without a credit stayed between about 11.8¢ and 12.4¢ at every usage level.
Oncor's delivery charges were $4.06 a month plus 6.8673¢ per kWh on an EFL dated October 4, 2026. At 1,000 kWh, that's $72.73 a month before you buy any energy.
The U.S. Energy Information Administration (EIA) put the August 2026 Texas residential average at 15.91¢ per kWh (preliminary).
What this means for you: the lowest prices in our McKinney table all depend on a credit, so if your usage dips below 1,000 kWh in some months, weigh them against the credit-free plans around 12¢ on Power to Choose.
Every plan in our McKinney table with a confirmed price follows the bill-credit pattern: expensive at 500 kWh, cheap at 1,000 kWh and somewhere in between at 2,000 kWh.
4Change Energy's Maxx Saver Value 12 and Frontier Utilities' Frontier Saver Plus 12 each show 20.3¢ at 500 kWh, 7.4¢ at 1,000 kWh and 13.4¢ at 2,000 kWh.
Frontier Saver Plus 24 shows 21.3¢, 8.4¢ and 14.5¢.
Maxx Saver Value 24 shows 22.0¢, 9.0¢ and 15.1¢.
Frontier says its Saver Plus plans earn up to $1,500 in usage credits a year. 4Change's listing doesn't describe the credit, only that its displayed price includes current delivery charges without mark-up, so open the Maxx Saver Value EFL to see exactly what usage the low price needs.
Plans built like this can be the lowest-cost choice in McKinney when every billing cycle reaches the credit threshold, which is most likely in summer. When usage falls short, the 500 kWh column shows how steeply the average rises. A home with low spring or winter usage often does better over a full year on a plan without a credit. Our guide to reading an Electricity Facts Label shows where credit conditions are printed.
A rate is only good if it's good at your usage. The 1,000 kWh price in an ad may not match your bill at all, so use the EFL's 500, 1,000 and 2,000 kWh averages and compare the one closest to your typical month.
Based on what Power to Choose listed on November 4, a 12-month fixed plan at about 12.4¢ per kWh or less at your usage is a good price in McKinney.
16¢ per kWh is above the EIA's 15.91¢ Texas average, and on Power to Choose it sits near the top of the 6.2¢ to 16.3¢ range for standard fixed-rate Oncor plans, so it's worth shopping.
If your contract expired and you never chose a new plan, you're likely paying a month-to-month rate. On Power to Choose, Oncor-area variable plans ran from 9.9¢ to 18.4¢ at 1,000 kWh, and switching away from one costs nothing.
To find your real usage, log in to Smart Meter Texas, the state's official portal for smart-meter data, or add up the kWh on a year of bills. The EIA puts the average Texas home at 1,096 kWh a month in 2024, and summer cooling pushes most homes above that.
When a McKinney bill jumps, one of three things is usually behind it.
Summer demand: through the hottest months, air conditioning can run for most of the day, so monthly usage climbs well above spring and fall. A plan that looks cheap at 1,000 kWh deserves a second look at your August usage.
Oncor's delivery charges: $4.06 a month plus 6.8673¢ per kWh, passed through by every provider. A 1,000 kWh month includes $72.73 of delivery before any energy. The Public Utility Commission of Texas (PUCT) regulates these charges and lists the current delivery charges for every Texas utility.
An expired contract: once your fixed term ends and you haven't picked a new plan, you move to a variable rate that can change each billing cycle.
Comparing plans at your real summer usage handles the first two, and a reminder set a month before your contract ends handles the third.
Your retail electric provider (REP) is the company you sign up with: it sets your price, bills you and handles plan questions. Oncor is the transmission and distribution utility, or TDU: it owns the lines, reads your smart meter and repairs damage after storms. Every REP uses the same Oncor network, so changing providers never changes how dependable your power is.
If your power goes out, contact Oncor rather than your provider. Oncor takes outage reports 24/7 at 888-313-4747, and you can also text OUT to 66267 or use the Oncor outages page. Our article on TDU delivery charges explains what Oncor bills for.
The best provider for your neighbor may be the wrong one for you, because usage drives everything. These are the plans in our McKinney table, each with its average price at 500, 1,000 and 2,000 kWh as checked November 4, 2026.
Homes using 1,000 kWh or more every month: Maxx Saver Value 12 or Frontier Saver Plus 12 (20.3¢, 7.4¢, 13.4¢).
If you might move: 4Change lists a cancellation fee of $20 per remaining month on its Maxx Saver Value plans, so the cost shrinks as the contract runs down. Frontier's early termination fee (ETF), the charge for leaving a contract early, is a flat $150 on Saver Plus 12 and $200 on Saver Plus 24.
A two-year lock-in: Frontier Saver Plus 24 (21.3¢, 8.4¢, 14.5¢) or Maxx Saver Value 24 (22.0¢, 9.0¢, 15.1¢). The same usage rule applies.
No bill credit, or lower usage: every confirmed plan in our McKinney table uses a credit this month. For a plan without one, Power to Choose listed 12-month options from about 11.8¢ to 12.4¢ at any usage.
Renewable power: none of the plans in our McKinney table is 100% renewable. Power to Choose listed 43 fully renewable Oncor-area plans on November 4, and our reviews of Gexa Energy and Green Mountain Energy cover two providers focused on green plans.
Prepaid: there are no prepaid plans in our table. On Power to Choose, Oncor-area prepaid plans cost 16.5¢ to 17.9¢ at 1,000 kWh.
Put at least three plans side by side at your own usage, and open each EFL on the day you enroll to confirm the price. You can also browse every provider we cover on our electricity providers page.
Fixed-rate plans lock in your energy price for the contract, commonly 12, 24 or 36 months, so a hot summer can't push the rate up. In our McKinney table, the exit cost is $20 per remaining month on the 4Change plans and a flat $150 or $200 on Frontier's, so choose a term that fits your plans. Oncor's delivery charges can still change mid-contract because the PUCT approves them. Compare more fixed-rate electricity plans.
A variable plan has no fixed term, so you can cancel any time, but its price can change every month. On Power to Choose on November 4, Oncor-area variable plans cost 9.9¢ to 18.4¢ per kWh at 1,000 kWh. They work for short stays and carry the most risk in summer.
Prepaid plans let you pay before you use power and top up as you go, with usage alerts and no deposit or credit check. Our McKinney table has none this month. On Power to Choose, Oncor-area prepaid plans ran from 16.5¢ to 17.9¢ per kWh at 1,000 kWh. Read our no-deposit electricity guide for other routes.
Renewable plans are matched with renewable energy credits, often from Texas wind and solar farms. On Power to Choose, 43 of the 171 Oncor-area plans were 100% renewable on November 4. Compare green energy plans and check the renewable content line on each EFL.
Time-of-use plans cut the price during set hours, such as nights or weekends, which can suit electric vehicle owners. Power to Choose listed six for the Oncor area this month. Solar buyback plans credit rooftop solar owners for power they send back, and the terms vary a lot, so compare the buyback rate, monthly fees and how leftover credits are treated.
You can switch in a few minutes online, and your power keeps running throughout.
Find your ESI ID (Electric Service Identifier), the number that identifies your meter, on a recent bill.
Compare plans at your usage, choose one and sign up with your service address.
Pick a start date. Your new provider sets up the change with Oncor, and no technician needs to visit.
If you're under contract, check when it ends. Under PUCT rules, there's no early termination fee if your switch happens no earlier than 14 days before the expiration date on your renewal notice, and your provider must send that notice at least 30 days before the contract ends. The PUCT electricity FAQ has more.
Our guide on how to switch electricity providers in Texas also covers moving house, and McKinney businesses can compare business energy plans.
McKinney is the county seat of Collin County, Texas, and the county's third-largest city after Plano and Frisco. It's a suburb in the Dallas-Fort Worth metroplex, about 32 miles north of Dallas. Oncor is the delivery utility behind our McKinney rates table, and Wikipedia has more on the city.
Our McKinney table shows live prices at 500, 1,000 and 2,000 kWh, and every plan we could confirm uses a usage credit.
On Power to Choose, the median 12-month Oncor-area plan was 13.0¢, and the cheapest credit-free 12-month plans ran about 11.8¢ to 12.4¢ when we checked on November 4, 2026.
Oncor delivers your power whichever provider you choose, and charges $4.06 a month plus 6.8673¢ per kWh.
Report outages to Oncor at 888-313-4747 or text OUT to 66267.
You can switch without an early termination fee from 14 days before your contract's expiration date.
Ready to compare? Pop your McKinney ZIP code into the box above to see live plans side by side.
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| Provider | Plan Name | Plan Length | Rate |
|---|---|---|---|
 | 12 Months | 7.300¢ / kWh | |
 | 12 Months | 7.300¢ / kWh | |
| 24 Months | 8.400¢ / kWh | |
| 24 Months | 9.000¢ / kWh | |
 | 24 Months | 9.900¢ / kWh |
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