Buying a Home in Town and Country, MO
What it actually costs to buy in this established St. Louis County suburb — real prices, monthly payments, income needed, and the local rules most buyers don’t know. From a local broker, not a national average.
What it costs to buy in Town and Country
Town and Country’s median sale price is about $1,078,871 — among the highest medians in St. Louis County. Here’s a rough monthly picture at that price:
20% down · 30-yr fixed
What you’d need to afford it
At Town and Country’s median, a typical buyer needs roughly $195,000–$205,000 in household income (less with more down, more if you carry other debt). Want to see where your budget actually reaches across St. Louis? Explore the affordability map to compare Town and Country with every nearby community.
Town and Country by the numbers
Source: U.S. Census Bureau, ACS 2024 5-year.
Run your Town and Country numbers
These are the same free tools that power this page — try them with Town and Country’s prices and your own situation:
Living in Town and Country: what buyers should know
The feel
Town and Country is a West St. Louis County residential city known for large wooded lots, deer-populated common ground, and proximity to the Chesterfield and Creve Coeur employment corridors. Housing is predominantly larger custom and estate homes on multi-acre lots, with strict residential zoning.
Schools
Town and Country is served by the Parkway C-2 (portions Rockwood R-VI) School District. For factual, source-based ratings, review the district’s Missouri DESE report card or its GreatSchools profile as you weigh your budget.
Local rules most buyers miss
No occupancy permit for resales: Town and Country does not require a residential occupancy permit for new owners or renters of an existing home; permits apply only to first occupancy of new construction and to commercial spaces. Confirm current requirements with the City of Town and Country (314-587-2814).
Property taxes: Missouri assesses homes at 19% of market value, and your bill depends on Town and Country’s combined St. Louis County and school-district levies. Taxes are a real line in your payment here — don’t estimate from a national calculator.
Good news: Missouri has no real-estate transfer tax, so that’s one closing cost you won’t pay.
How Town and Country compares to nearby communities
Median sale prices for Town and Country and its immediate neighbors (Redfin, May 2026):
| Community | Median price |
|---|---|
| Town and Country | $1,078,871 |
| Chesterfield | $604,162 |
| Des Peres | $754,821 |
| Ballwin | $390,568 |
| Frontenac | $2,188,562 |
Prefer a different price point? Compare Town and Country with the neighbors above, or see them all on the map →.
Buying in Town and Country with Better Rate Mortgage
We’re a St. Louis broker — we know Town and Country’s inspections, its taxes, and what it takes to win a home here. For qualified buyers, our $5,000 Seller Guarantee can make your offer stand out in a competitive Town and Country market by giving sellers extra confidence your financing will close.
Town and Country home-buying FAQ
How much does a home cost in Town and Country, MO?
What income do you need to buy in Town and Country?
Does Town and Country require an occupancy inspection?
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Sources & disclaimers. Median home prices: Redfin Data Center, 3-month sales-weighted average, as of May 2026. Payment and income figures are illustrative estimates for general education only, assume an illustrative rate and typical St. Louis County tax/insurance, and are not Better Rate Mortgage’s actual rates or a commitment to lend; your terms depend on your application. Confirm occupancy-inspection and permit requirements with your local building department. Reviewed by Sean Zalmanoff, Founder & Chief Loan Officer, Better Rate Mortgage (NMLS #239823). Company NMLS #2401335. Equal Housing Lender. Basemap © OpenStreetMap contributors, © CARTO.
