The median home in Troy, Illinois is valued at $317,501, up 6.2% year over year. Typical monthly rent is $1,251, producing a price-to-rent ratio of 21.1x — well above the national average of 18x. Troy is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$317,501
+6.2%
Rent$1,251/mo
AFFORDABILITYRenting $1,094/mo cheaper ($1,251 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Troy.
$63,500 on $317,501
Out of reach — 37.5% of income
Need $100,500/yr to afford.
PITI$2,345
P/I37.5%
Afford$237K
Gap-$81K
P&I $1,605Tax $590Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Illinois
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Full St. Louis, MO-IL analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.
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