Real Estate Investing in Troy, Missouri

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1 ZIP codes • Population: 27,409 • Lincoln County

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Should you buy in Troy, MO? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Troy, MO?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

5.7% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $319,595
Avg Monthly Rent $1,320
ZIP Codes 1

Investing in Troy Real Estate

With a sizable population across 1 ZIPs, Troy shows the kind of tepid fundamentals that keep most out-of-state capital on the sidelines.

A 3.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Troy is in that category.

Market conditions in Troy are subdued. Days-on-market has stretched, rent growth has stalled, and the 0.0% 5-year CAGR understates how uneven the underlying ZIPs really are.

Troy's population trends and income levels suggest a market where affordability is strained, which constrains how aggressively rents can rise without hurting collections.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in St. Louis, MO-IL

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Cash Flow → Appreciation → Affordable → 1% Rule →

Landlord Ground Truth

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Avg Home Value
$319,595
Avg Monthly Rent
$1,320
1% Rule
✗ Below
Landlord Friendly (MO)

ZIP Codes in Troy, MO

Screen every ZIP in Troy

Filter Troy’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Troy, MO

What are vacancy rates like in Troy, MO?

Vacancy risk in Troy, MO is elevated. That supports reliable cash flow for typical rental holds.

How strong are rents in Troy, MO?

Rent in Troy, MO is around $1,320/mo. The resulting rent-to-value relationship with $320K pricing is reasonable for most investor models.

Can I live-in-and-rent in Troy, MO?

Troy, MO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $320K price point reasonable to enter.

How do home values compare in Troy, MO?

Median home price in Troy, MO is near $320K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.

How strong is Troy, MO for real estate investors?

Our data puts Troy, MO at 3.0/5 for investability. Home prices of $320K and rents around $1,320/mo create a solid backdrop for investor activity.

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