Electricity Plans in McKinney, TX
Parts of 75070 are in the service areas of CoServ Electric Cooperative and Grayson-Collin Electric Cooperative, which don't offer a choice of provider. If your electric bill comes from one of them, these plans don't apply to your home.
Rates shown are based on Power to Choose (PTC) regulator-filed averages, as of 2026-10-18 (0 days ago).
Plans ordered at 1,000 kWh
| # | Provider | Plan | Term | Rate @ 1,000 kWh | Fact Sheet |
|---|---|---|---|---|---|
| 1 | Think Energy | Think Basic 3 | 3 mo | 10.2¢ | View EFL |
| 2 | Smartenergy Holdings Llc | SmartGreen 3 | 3 mo | 10.2¢ | View EFL |
| 3 | Just Energy | Sustainable Living Bundle - 3 | 3 mo | 10.3¢ | View EFL |
| 4 | Amigo Energy | Sustainable Lifestyle - 3 | 3 mo | 10.3¢ | View EFL |
| 5 | Tara Energy | Sustainable Home Bundle - 3 | 3 mo | 10.3¢ | View EFL |
This table IS a ranking, and it is ranked by exactly one thing: each plan's Power to Choose regulator-filed average price at 1,000 kWh, lowest first, among the 134 comparable fixed-rate plans on this utility (what counts as comparable is spelled out below). At a fixed usage level that ordering is the same as ordering by total monthly cost at those published prices. It is not a recommendation, it says nothing about any other usage level, and it ignores contract length, deposit, renewable content and early-termination terms. Each plan's Electricity Facts Label (EFL) remains the authoritative source for its exact rates, fees and terms.
Oncor’s delivery charges go up Nov 1, 2026, in a rate change it filed with the Public Utility Commission of Texas. Some plans’ published prices may not include it yet, so from then they may cost more than shown and rank higher than they would at the new rate.
See which plan fits your usage in McKinney. It's free.
Compare plans with your actual usage →Rates across the Oncor territory
At 1,000 kWh/month, advertised energy rates on the Oncor utility currently range from 10.2¢ to 16.8¢ per kWh across 134 comparable fixed-rate plans.
Ranges are not a promise of any specific rate or savings. The lowest advertised rates may apply only at specific usage levels or carry conditions.
"Comparable" means fixed-rate plans with a term of at least three months. Prepaid, time-of-use and variable plans are left out, as are plans Power to Choose flags for minimum-usage fees or usage-based bill credits, so lower advertised rates can exist outside this set.
Four things to know
Prices depend on the utility, not the ZIP code
Every address served by Oncor Electric Delivery Company sees the same plans at the same filed prices on Power to Choose. McKinney homes on this utility get the same plans and prices as homes on it anywhere else.
Your usage changes which plan costs least
Plans carry base charges and usage credits that kick in at set levels. A plan that costs less at 1,000 kWh can cost more at 2,000 kWh, and the reverse.
Prices come from providers' filings with the state
The ranking above uses the average price each provider files with Power to Choose, the state's official plan site, at 1,000 kWh a month.
Check the fact sheet before you sign
Each plan's Electricity Facts Label (EFL) is the official source for its exact rates and fees. Open it with the View EFL link in the table.
What is local to McKinney
In McKinney's busiest month for heating and cooling (August 2026), we estimate a household uses about 1,400 kWh, more than the 1,000 kWh most price quotes use. Plans list an average price at only three levels (500, 1,000 and 2,000 kWh), and 1,000 kWh is still the closest, so the ranking above is the standard 1,000 kWh ranking.
That usage figure is a modeled estimate, not a measurement of any home or a bill estimate. It assumes an average month of 1,000 kWh; only the seasonal swing comes from local weather.
Example plans on this utility
Illustrative sample, not a ranking or recommendation. The table below is a spread of fixed-rate plans on the Oncor utility across the rate range, listed alphabetically by provider. Rates are at 1,000 kWh.
| Provider | Plan | Term | Rate @ 1,000 kWh | Renewable | Fact Sheet |
|---|---|---|---|---|---|
| Bkv Energy | Daisy 6 | 6 mo | 13.5¢ | 29% | View EFL |
| Direct Energy | Autopay Texas 36 | 36 mo | 16.8¢ | 22% | View EFL |
| Reliant | Reliant Power On 9 Plan | 9 mo | 14.4¢ | — | View EFL |
| Rhythm | Digital Choice 12 | 12 mo | 12.4¢ | — | View EFL |
| Think Energy | Think Basic 3 | 3 mo | 10.2¢ | — | View EFL |
Other cities on the same utility
Oncor also serves these cities, in some of them alongside another utility or a co-op. Its customers there see the same plans at the same filed prices; what differs between cities is local usage.
- Addison electricity rates
- Arlington electricity rates
- Dallas electricity rates
- Flower Mound electricity rates
- Fort Worth electricity rates
- Grand Prairie electricity rates
- Harker Heights electricity rates
- Irving electricity rates
- Keller electricity rates
- Killeen electricity rates
- Mesquite electricity rates
- Midland electricity rates
- Richardson electricity rates
- The Colony electricity rates
- Tyler electricity rates
Electricity rates in every Texas city we cover
Learn more
- How plan costs change at 500, 1,000 and 2,000 kWh: why the plan that wins at one usage level loses at another.
- Comparing plans against your actual 12-month usage: how to compare on what you would really pay.
- How switching electricity providers works in Texas: what happens after you pick a plan.
- Free nights or free weekends plans: a plan shape whose value depends entirely on when you use power.
How we rank and what the numbers mean
Where the prices come from
Rates on this page are based on Power to Choose (PTC) regulator-filed average prices at 1,000 kWh. Each plan's own Electricity Facts Label (EFL) is the authoritative source for its exact rates, fees, and terms. Your actual bill also depends on your utility's delivery charges, which are the same no matter which provider you pick. The rate range, the ranked table and the example plans are all drawn from the same set of comparable fixed-rate plans defined under the rate range above.
How the local usage estimate works
Across 397 days of daily NOAA climate records for 75070 (2025-09-13 to 2026-10-14), the month with the most heating and cooling demand here — August 2026, a summer month — ran about 789 heating-and-cooling degree days against an average month's 449: roughly 76% more heating and cooling demand than an average month in this ZIP.
We assume about 50% of a home's electricity responds to outdoor temperature and the rest does not. The degree-day numbers are measured public NOAA data for this ZIP; the step from degree days to kWh is anchored to the 1,000 kWh reference level, so only the shape across months comes from local weather. Your own usage depends on your home, your equipment and your habits.
About the example plans
The example table is a representative spread of fixed-rate plans, chosen to span the rate distribution, not the lowest-priced plans, and listed alphabetically by provider, so the order carries no ranking. The right plan depends on your household's actual monthly usage.
How the free comparison works
Texas has a deregulated electricity market, so homes served by Oncor Electric Delivery Company can choose their retail electricity provider. The advertised per-kWh rate is only part of the story: the free comparison tool projects each plan's cost against your own 12-month usage pattern, so you can compare on what you'd actually pay. It lists plans with a plain price first, then plans whose price depends on conditions (bill credits, free nights, usage tiers), each group from the lowest projected cost up.
Rates above are advertised energy charges based on Power to Choose (PTC) regulator-filed averages and may change. Electricity Finder is an independent comparison tool. We do not sell electricity. Comparing plans is free. No electricity provider pays us for the plan you pick; our only revenue is an optional $29/year subscription for smart-meter features. We receive no affiliate commission. We do not endorse any specific plan or claim any plan is right for your situation — the right choice depends on your own usage.