Short answer

Replace a water heater when the tank is leaking, it is past roughly 10 years old and needs a major repair, or it can no longer keep up. In McKinney, water heater replacement requires a city permit, which the installing plumber normally pulls. A like-for-like tank swap is the simplest job; switching to tankless or changing fuel type involves more work and cost.

Signs it's time to replace

  • Water leaking from the tank body or bottom seam. Once the tank has corroded through, it cannot be repaired. See water heater leaking from the bottom.
  • Age. Tank heaters commonly last around 8 to 12 years. The manufacture date is usually coded into the serial number on the label.
  • Rusty hot water when the cold water is clear, which suggests the inside of the tank is corroding.
  • Repeated repairs, or an expensive part such as a gas control valve failing on an older unit.
  • Not enough hot water for the household, even when everything is working.

If you are not sure whether your heater can be fixed, start with water heater repair.

Water heater leak finderFlowchart. Water from the drain valve or from the pipes on top is usually repairable. Water from the T&P discharge pipe should be checked by a plumber. Condensation near a gas burner often stops once the tank is hot. Water from the tank body or bottom seam means the heater needs replacing.Where is the water coming from?Drain valve(near the bottom)UsuallyrepairableT&P valvedischarge pipeHave itcheckedPipes and fittingson top of the tankUsuallyrepairableCondensation nearthe burner (gas)Often stopswhen hotTank body orbottom seamReplace theheater
Dry everything, lay paper towels around the base, and watch for fresh drips to find the source.

Choosing a replacement

Like-for-like tank

The quickest and usually least expensive option is to replace the old tank with a similar size and the same fuel type in the same spot. The gas, water and venting are already there, though they often need updating to meet current code.

Gas vs electric

Stick with the fuel you have unless there is a good reason to change. Switching from electric to gas needs a gas line and venting. Switching from gas to electric may need a new 240 volt circuit, and a large electric tank may need a bigger breaker than the panel can easily accommodate. Heat pump water heaters are a very efficient electric option, but they need space and air around them, and they cool the room they sit in, which can suit a hot Texas garage.

Tank vs tankless

Tankless heaters heat water only when a tap is open, take up little space and can last longer, but they cost more to install. A gas tankless unit often needs a larger gas line and different venting from a tank. They also need regular descaling, which matters with McKinney's moderately hard water. A tankless unit is a good fit when you want endless hot water for back-to-back showers and plan to stay in the house for years. It's a weaker fit when the budget is tight or the gas supply can't easily be upgraded.

Sizing

For tank heaters, the useful number is the first-hour rating on the label: how much hot water it can deliver in an hour starting full. A common starting point is 40 gallons for one or two people and 50 gallons for a family of three to five, but large tubs, teenagers and multiple showers running at once all push that up. For tankless, sizing is about flow rate (gallons per minute) at the temperature rise you need, which is higher in winter when incoming water is colder.

What a proper installation includes

A code-compliant install is about more than connecting two pipes. Items a plumber should address include:

  • Temperature and pressure (T&P) relief valve with a discharge pipe routed to an approved location
  • Drain pan with a drain line, where the heater is in an attic or anywhere a leak could cause damage. The Texas plumbing code sets minimum sizes for both.
  • Expansion tank where the water system is closed, for example if the home has a pressure-reducing valve or a check valve. Ask the plumber whether your home needs one.
  • Correct venting for gas heaters, with proper clearances and slope
  • Sediment trap and shutoff on the gas line
  • A stand where a gas burner must be raised off a garage floor, and secure support for the tank
  • Disposal of the old heater

Comparing quotes

Quotes can look very different for what seems like the same job. Make sure each one states:

  • The exact make, model, capacity and warranty length of the new heater
  • Whether the permit and inspection are included
  • Which code updates are included (pan, expansion tank, venting, gas line work)
  • Removal and disposal of the old unit
  • Labor warranty, separate from the manufacturer's tank warranty
  • Any extra charge for attic installs or difficult access

A lower quote that leaves out the permit or required safety items may cost more later, especially if you sell the house and an inspector flags it.

It's worth checking that the plumber is licensed on the TSBPE lookup. Texas specifically excludes water heaters from the exemption that lets appliance dealers connect some appliances, so installation is plumbing work.

Before the installer arrives

  • Clear a path to the heater and a space around it
  • Know where your main water shutoff is (see how to shut off your water)
  • Expect to be without hot water for part of a day for a straight swap, longer for a conversion to tankless
  • Ask how long to wait before using hot water, and how to set the temperature

After installation

  • Keep the permit paperwork and the installer's invoice with your home records
  • Register the warranty with the manufacturer if required
  • Put flushing (tank) or descaling (tankless) on your calendar. Hard water shortens the life of both if sediment and scale are ignored.

Frequently asked questions

Do I need a permit to replace a water heater in McKinney?

Yes. The City of McKinney requires a permit for water heater replacement, found by searching "Water Heater" in the city's Citizen Self-Service portal. The installing plumber usually pulls it and arranges the inspection.

How long does a water heater replacement take?

A straightforward like-for-like tank swap is often done in a few hours. Attic installs, code updates, or a switch to tankless can take most of a day or longer, especially if gas or electrical upgrades are needed.

Is tankless worth it in McKinney?

It can be if you want continuous hot water and plan to stay in the home, but installation costs more and units need regular descaling because of the area's moderately hard water. Get quotes for both before deciding.

Do I need an expansion tank?

It depends on whether your water system is closed. Homes with a pressure-reducing valve or check valve often need one so that water expanding as it heats has somewhere to go. The plumber can check your setup.

Can a big box store install my water heater?

Retailers often arrange installation through a subcontracted plumber. Either way, the work should be done by a Texas-licensed plumber and permitted. You can verify the installer on the TSBPE license lookup.