The median home in Troy, Missouri is valued at $302,156, up 5.7% year over year. Troy is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$302,156

+5.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Troy.

Income (annual)

Down Payment

$60,431 on $302,156

Example: $75,000 household income. Change it above to see your own.

Stretch31% of income

Above 28% but manageable with cuts.

PITI$1,939

P/I31%

Afford$273K

Gap-$29K

P&I $1,528Tax $244Ins $167

6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Missouri

Compare Troy with other housing markets across Missouri.

Huntleigh$2.29M Village of Loch Lloyd$1.29M Ladue$1.27M Westwood$1.24M Frontenac$1.2M Town and Country$1.09M Clarkson Valley$876K Clayton$830K

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.

View St. Louis, MO-IL metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Troy, MO