Use the current price bands to choose the right step, not the biggest step.
If you are deciding whether to move into a larger home, the real question is whether your next step fits the price reality you will face in McKinney, TX. My answer start from the typical sold price and the typical asking level, then decide what size upgrade is actually worth it.
If you only remember one data point from January 2026, make it this a typical sold price was $444,950 in McKinney, TX January 2026. In that same month, a typical asking price for active listings was $524,241 in January 2026, and the typical new listing asking price was $487,250 in January 2026. This changes your plan because your next home search has to bridge the gap between what homes are typically selling for $444,950 in January 2026 and what many sellers are asking $524,241 for active listings in January 2026. Some metrics were not reported for this period, but these three January 2026 price anchors let you set a realistic target range before you fall in love with a home that stretches you. Start with the math you can defend. Build your target range around the January 2026 sold anchor of $444,950, then decide which features you will pay closer to the active-listing level of $524,241 for in January 2026 and which you will not. Also, when you tour in McKinney, TX, keep one eye on new listings priced near $487,250 in January 2026 as your most realistic move-up lane, and be ready to act quickly when the home fits your non-negotiables.
