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City · 11,607 residents · St. Louis County, Missouri

Town and Country , Missouri

In Town and Country, a typical home is worth $928,500 and typical rent is $1,955 a month. Compared with all of St. Louis County, the typical home value is 235% higher, typical household income is 180% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $928,500

    235% above the county

    303% above Missouri

    • Town and Country
    • St. Louis
    • Missouri

  • Typical rent

    $1,955a month

    62% above the county

    89% above Missouri

    • Town and Country
    • St. Louis
    • Missouri

  • Typical household income

    $232,534a year

    180% above the county

    229% above Missouri

    • Town and Country
    • St. Louis
    • Missouri

  • Households that own their home

    86%

    17 points above the county

    18 points above Missouri

    • Town and Country
    • St. Louis
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,185,096
7.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Town and Country is in St. Louis County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Louis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Town and Country apart

What this place has that others do not, from public data, most unusual first.

  1. Town and Country has the highest typical rent of the 138 cities in Missouri with more than 5,000 people: $1,955.

  2. Town and Country has the 2nd highest typical home value of the 142 cities in Missouri with more than 5,000 people ($928,500).

  3. Town and Country has the 2nd highest typical household income of the 141 cities in Missouri with more than 5,000 people ($232,534).

  4. Nearby, in Manchester, the typical home value is $323,100: 65% less than in Town and Country ($928,500).

  5. 86% of households in Town and Country own their home, against 69% in St. Louis County.

  6. Nearby, in Manchester, the typical rent is $1,322: 32% less than in Town and Country ($1,955).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Town and Country

What homes there are in Town and Country, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Town and Country: 83% of homes, more than in St. Louis County (72%).

Year built

Homes in Town and Country are newer: the typical year built is 1983; in St. Louis County, 1969.

In Town and Country, 86% of homes have 3 bedrooms or more, more than in St. Louis County (61%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Owners with a mortgage

55%

St. Louis County: 64%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Town and Country rose 26%; in St. Louis County, it rose 39%.

Rents in Town and Country rose faster than in St. Louis County: 64% since 2015–2019, against 23%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureTown and CountrySt. Louis CountyMissouriUnited States
Rental vacancy Unreliable estimate5.0%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%0.9%0.9%
More than one person per room Unreliable estimate1.4%1.7%3.4%
People per household 2.562.362.402.53
Drive alone 76%71%75%69%
Carpool 6%6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 16%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.56 on average, against 2.36 in St. Louis County.

In Town and Country, 76% of workers drive alone to work; in St. Louis County, 71%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Town and Country?

A typical home costs more than the typical income allows

We start with a typical home in Town and Country, worth $928,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Town and Country, which is $232,534 a year. For that payment to be 28% of income, a household would need to earn about $340,419 a year. Note: at that price the loan is above the FHA limit for St. Louis County ($541,287), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of St. Louis County.

Your numbers

Local data
$

Starts at the typical home value in Town and Country. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $32,498 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,943

at 7.18% · 30 years

Loan amount
$911,682
Total interest
$1,311,697
Paid off in
November 2056

Includes $15,680 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,426 a month

  • Tight

    $5,426 to $6,976 a month

  • Hard

    more than $6,976 a month

    Your payment · 41%

Compared with the typical household income in Town and Country ($232,534 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,943
Principal & interest$6,176
Property tax$820
Home insurance$387
FHA mortgage insurance (MIP)$560

This loan is over the FHA limit

You'd borrow $896,002, but the FHA limit for a one-unit home in Town and Country is $541,287. You'd need a bigger down payment or a different loan.

You need at least $32,498 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Town and Country and St. Louis County

Town and Country is in St. Louis County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Town and Country's own numbers

Typical home value
$928,500
Typical monthly rent
$1,955
Typical yearly household income
$232,534
Households that own their home
86%
Effective property tax rate
1.06%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Louis County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Louis County.

Everything about St. Louis County

Buying

Buying a home in Town and Country

A typical home in Town and Country is worth $928,500: 235% above the county and 303% above Missouri. With the typical household income in Town and Country ($232,534 a year), a typical home costs 4.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Town and Country 4.0 years
  • St. Louis 3.3 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Louis County

According to FHFA’s house price index, home prices in St. Louis County rose 75% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Louis County.

Period County Missouri U.S.
Last year (2025) +3.8% +3.7% +2.9%
5 years (2020–2025) +44% +51% +47%
10 years (2015–2025) +75% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Town and Country next to St. Louis County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Town and Country $928,500
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Town and Country $1,955
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Town and Country $232,534
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Town and Country next to St. Louis County and Missouri
Measure Town and Country St. Louis County Missouri U.S.
Typical home value $928,500 $276,800 $230,300 $332,700
Typical monthly rent $1,955 $1,209 $1,033 $1,413
Typical yearly household income $232,534 $82,936 $70,702 $80,734
Households that own their home 86% 69% 68% 65%
Typical yearly property tax $9,834 $3,335 $1,948 $3,119
Effective property tax rate 1.06% 1.2% 0.85% 0.94%
Renters with high rent for their income 41% 48% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Louis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Town and Country

For a typical $928,500 home in Town and Country, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Town and Country's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,943a month

    Above the FHA limit for St. Louis County ($541,287)
    Down payment
    $32,498
    Cash to close
    $60,353
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $560

  • Conventional, 5% down $7,624a month

    Above the conventional limit for St. Louis County ($832,750): it would be a "jumbo" loan
    Down payment
    $46,425
    Cash to close
    $74,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $441

  • Conventional, 20% down, no PMI $6,239a month

    Least cash to close
    Down payment
    $185,700
    Cash to close
    $213,555
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,097a month

    Down payment
    $139,275
    Cash to close
    $167,130
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Town and Country and for St. Louis County.

Property tax

Effective rate in Town and Country

1.06%of the home’s value each year

$9,834 a year for the typical owner in Town and Country.

  • Town and Country 1.06%
  • St. Louis 1.2%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in St. Louis County

FEMA does not publish these numbers by city: they are for all of St. Louis County.

Homes in the high-risk zone
1%
3,470
Of those, with NFIP insurance
34%
County Missouri U.S.
Homes in the high-risk zone 1% 1.6% 3.5%
Of those, with NFIP insurance 34% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Town and Country

Typical rent in Town and Country is $1,955 a month: 62% above the county. In Town and Country, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Louis County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of St. Louis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Town and Country

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Town and Country has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,840 in 63141 to $2,020 in 63131.

3 of the 3 are above the fair market rent for St. Louis County ($1,349).

  • 63017 $1,930$2,480
  • 63131 $2,020$2,590
  • 63141 $1,840$2,360

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Town and Country when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Town and Country

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in St. Louis County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Town and Country

No down payment, repair or rent-help program on our list is for Town and Country or St. Louis County. The ones below are statewide in Missouri: they work in Town and Country the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Town and Country

The HUD-approved agencies closest to the center of Town and Country, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Agency of ST. Louis County, Inc. (CAASTLC)

    2709 Woodson Rd, Saint Louis · 8 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

  • NSC (naca Counseling Subsidiary) - ST. Louis, MO

    1300 Hampton Avenue suite 101, Saint Louis · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 645-8333

  • Better Family Life, Inc.

    5415 Page Blvd, Saint Louis · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 367-3440

Every agency in St. Louis County All counseling agencies in Missouri

Help in Spanish near Town and Country

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Town and Country

HUD’s record names them for Town and Country or St. Louis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of St. Louis County Public housing and Section 8 vouchers (314) 428-3200

4 other authorities have an office in St. Louis County: see the list Source: HUD

Cities

Other cities in St. Louis County

These cities are also in St. Louis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Louis County Housing in Missouri
See 31 more cities in St. Louis County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Town and Country, with the typical home value.

Neighboring counties

If St. Louis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Town and Country.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Town and Country

Short answers with the numbers for Town and Country and all of St. Louis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Town and Country?

The typical home value in Town and Country is $928,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $276,800.

How much does it cost to rent in Town and Country?

Typical rent in Town and Country is $1,955 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Louis County is $1,349.

What is the FHA loan limit in Town and Country?

Town and Country uses the FHA limit for all of St. Louis County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Town and Country?

The typical homeowner in Town and Country pays $9,834 a year, according to the U.S. Census Bureau. That is 1.06% of the home’s value; in St. Louis County, the rate is 1.2%.

Where can I find free help to buy or rent in Town and Country?

There are 5 HUD-approved counseling agencies with an office in St. Louis County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).