Troy, Missouri.
Typical home $319,265 (+5.1% in a year), asking rent $1,282 . St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$932 (+125%) since Jan 2020.
- 1 year
- Up $15,510 +5%
- $303,755$319,265 since Sep 2025
- 5 years
- Up $70,939 +29%
- $248,326$319,265 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Troy$1,676
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Troy, MO rose 5.1% over the past year — faster than the nation's +1.2%.
Living in Troy, Lincoln County, Missouri
Troy is a city of 12,686 people in Lincoln County. Half its households earn more than $79,012 a year and half less, against $89,278 across Lincoln County; 14% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Lincoln County was 3.7% in August 2026, and the county had 1.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Troy is a city and the seat of Lincoln County, home to a population that skews younger than much of the country. Incomes here run below the county's as a whole, and most homes are lived in by their owners rather than rented. Winters are cold, with January the coldest month, and summers are warm, with July the warmest; rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, and in the building trades, with professional and business services and manufacturing close behind. Among the largest workplaces in Troy are Toyota Motor Manufacturing Missouri, Troy R-III Schools and Mercy Hospital Lincoln. Commutes are on the longer side, and some people work from home.
Things to do. Cuivre River State Park is a protected area a short drive away, with the Cuivre River itself running nearby. Whitcomb Branch, a small waterway, flows in or beside town. For a longer drive, Pere Marquette State Park is another protected area, and the Illinois River lies in the same direction.
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- 5,138households
- 15%of adults have a degree
- 14%below the poverty line
- 29 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Lincoln County had 12,977 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 20°; warmest in July, with highs near 88° and lows near 66°. About 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Warrenton North weather station, 13 miles away (NOAA).
Largest workplaces in Troy
- Toyota Motor Manufacturing MissouriAluminum casting1,082
- Troy R-iii SchoolsSchool district838FTE
- WalmartWarehouse clubs and supercenters367
- Mercy Hospital LincolnCritical access hospital191FTE
- Cuivre River Electric CooperativeElectric power distribution systems140
- Kroger Central KMASupermarkets and other grocery except convenience stores84
- MostAluminum ingot, secondary smelting of aluminum and manufacturing80
- Flynn Drilling CompanyWater well drilling, digging, boring or sinking77
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 13 workplaces with 20 or more staff, 2,389 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesVery high
- Strong windVery high
- TornadoesVery high
- HailRelatively high
- LightningRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Troy’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lincoln County and the St. Louis, MO-IL metro.
Troy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Troy$319,265
- Missouri$265,387
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Troy listings, and the typical home goes pending in 24 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Troy36.72%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Troy24
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Troy67
New listings per month
Sellers arriving at the market.
- Troy24
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Troy$312,857
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Troy99.80%
Zip codes with a Troy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Troy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.