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.

See the full metro analysis: St. Louis, MO-IL stress score, crash risk, and 12-month forecast →

Home Value$302,156

+5.7%

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$60,431 on $302,156

Stretch — 31% 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$2295K Village of Loch Lloyd$1289K Ladue$1271K Westwood$1239K Frontenac$1198K Town and Country$1094K 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 →

TROY, MO