What is the cost of living in Troy, MO?
According to the most recent data on the cost of living, Troy has an overall cost of living index of 95, which is 0.9x lower than the national index of 100.
Compared to Missouri, Troy has a cost of living index that's 1.1x higher than Missouri's index of 90.
The standard of living in Troy ranks as #87 most affordable out of the 144 places we measured in Missouri. By definition, that implies Troy ranks as the #57 most expensive place in the Show Me State.
For more reading on life in Troy, check out:
Troy Cost Of Living Vs. Missouri
Six factors go into calculating the cost of living index in Troy. Here is how it fares on each of the criteria:
The Services index in Troy is 96.
The Groceries index in Troy is 99.
The Health index in Troy is 90.
The Housing index in Troy is 97.
The Transportation index in Troy is 95.
The Utilities index in Troy is 97.
| Living Expense | Troy | Missouri | National Average |
|---|---|---|---|
| Overall | 95 | 90 | 100 |
| Services | 96 | 97 | 100 |
| Groceries | 99 | 98 | 100 |
| Health | 90 | 76 | 100 |
| Housing | 97 | 95 | 100 |
| Transportation | 95 | 94 | 100 |
| Utilities | 97 | 96 | 100 |
Troy Cost Of Living Compared To Missouri Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Missouri, check out:
Protect your home budget Compare home warranties in Troy Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Troy, MO Housing Cost Breakdown
Housing swings affordability the most between places in Missouri, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Troy is $311,432.
The Median Rent in Troy is $1,033.
The Median Income in Troy is $79,012.
The Home Value To Income in Troy is 3.9x.
The Rent To Monthly Income in Troy is 0.16x.
Troy, MO Costs By Category
Detailed Troy Services costs vs. Missouri
Detailed Troy Groceries costs vs. Missouri
Detailed Troy Health costs vs. Missouri
Detailed Troy Transportation costs vs. Missouri
Troy SnackAbility
Cost Of Living In Cities Around Troy
The cost of living varies in the cities and towns around Troy. Here's a quick look at the cost of living in the most populous nearby places:
O'Fallon, MO has a cost of living index of 105, 1.1x Troy.
Wentzville, MO has a cost of living index of 105, 1.1x Troy.
Lake St. Louis, MO has a cost of living index of 109, 1.1x Troy.
| City | Population | Cost Of Living | Vs. Troy |
|---|---|---|---|
| O'Fallon, MO | 93,801 | 105 | 1.1x |
| Wentzville, MO | 47,061 | 105 | 1.1x |
| Lake St. Louis, MO | 18,066 | 109 | 1.1x |
| Dardenne Prairie, MO | 13,503 | 115 | 1.2x |
| Warrenton, MO | 9,066 | 90 | 0.9x |
