Troy, MO · Updated Oct 2026

What a Troy home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Troy house

$8,267a year · $689 a month

Starts at $43,035 of value before exemptions. Typical use.

Property tax$2,776
6.450% of $43,035
Electricity and gas$2,308
1011 kWh a month $1,630 · 31 therms $678
Water and sewer$1,244
7,000 gallons a month on City of Troy: water $31, sewer $73 a month
Trash$260
Trash, recycling and yard waste, $22 a month
Home insurance$1,678
Typical premium $1,678

A typical Troy house costs about $8,300 a year: $2,780 property tax and charges, $1,240 water and sewer, $260 trash, $2,310 electricity and gas, $1,680 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 31, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $545 a year:

Bring water use down to 1 units
$545 a year
Above 1 units a month, City of Troy charges $5.68 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Senior and handicap discount trash rate
The senior and handicap discount rate is $16.26, against a $21.68 base rate.
How: Call to see if you qualify.

Money dates

Dec 31: Property tax duein 56 daysTaxes are due on December 31 on property owned on assessment date.
After Dec 31: Penaltyin 56 daysIf a taxpayer fails to pay the collector by December 31, the collector must apply a penalty.

Who serves this house

Water: City of Troy; Base rate $6.50; $4.25 per 1000 gallons over 1000 gallons and under 50,000 gallons.
Property tax: 6.45% of value; 2026 tax rates, Lincoln County (Troy R-3 school, City of Troy, Troy fire district)
Garbage: Meridian Waste Solutions; City-contracted trash, recycling and yard waste collection for Troy residents.
Sewer: City of Troy; City sewer; rates are double outside the city limits.
Electricity: Ameren Missouri; Ameren Missouri is the main supplier of electricity in the city limits; Cuivre River Electric Cooperative serves some properties east of Troy.
Natural gas: Ameren Missouri; Ameren Missouri is the main supplier of natural gas in the city limits.

Pay or manage your bills

Lincoln County tax collector ↗

Your water

Outside city limits: Water rates are double for anyone outside the city limits.

Other MO cities

Springfield home costs Independence home costs St. Charles home costs Blue Springs home costs St. Peters home costs Liberty home costs Wildwood home costs Raytown home costs Grandview home costs Raymore home costs Belton home costs Webster Groves home costs Ozark home costs Rolla home costs Creve Coeur home costs Lake Saint Louis home costs Manchester home costs Ferguson home costs Clayton home costs Kirksville home costs Grain Valley home costs Jackson home costs Dardenne Prairie home costs Marshall home costs Festus home costs Fulton home costs West Plains home costs Crestwood home costs Bolivar home costs Town and Country home costs Mexico home costs Excelsior Springs home costs Smithville home costs Ellisville home costs Monett home costs Kennett home costs Columbia home costs University City home costs Republic home costs Warrensburg home costs Sikeston home costs Maryville home costs Harrisonville home costs Warrenton home costs Oak Grove home costs Des Peres home costs Sunset Hills home costs Richmond Heights home costs Olivette home costs Brentwood home costs Park Hills home costs Nevada home costs Sullivan home costs Boonville home costs Cameron home costs Valley Park home costs Cottleville home costs Battlefield home costs Shrewsbury home costs Glendale home costs Odessa home costs Wright City home costs Trenton home costs St. Robert home costs Caruthersville home costs Parkville home costs Ladue home costs Perryville home costs Maplewood home costs Willard home costs Marshfield home costs Clinton home costs

How these numbers are made

Property tax: Lincoln County 2026 tax rates page, City of Troy $0.3075, Troy R-3 school $4.7008, Troy fire $0.4627 plus county and state levies, per $100 of assessed value, per $100 of assessed value, on 19% of the Census median home value. The Clarence Cannon watershed levy ($0.1595) applies only to parts of the county and is not included.
Water and sewer: City of Troy rates page; water base $6.50 includes the first 1,000 gallons and $4.25 per 1,000 gallons above; the page lists the rate for 1,000 to under 50,000 gallons. Sewer usage charge is applied to all water use. Trash is the $21.68 base rate on the same city bill.
Electricity: Ameren Missouri Rate 1(M) with the $0.00445/kWh fuel rider, $0.001905/kWh Rider EEIC (residential, Feb 2026-Jan 2027) and $0.00207/kWh Rider RESRAM, summer 4 months and winter 8 months weighted, as in nearby Ameren cities; the $0.19 low-income charge is added to the $9.00 customer charge. Some properties east of Troy may be served by Cuivre River Electric Cooperative.
Gas: Ameren Missouri residential rate, $21.04 customer charge plus 49.58¢/Ccf delivery and the 64.94¢/Ccf purchased gas adjustment in the PSC tariff effective 2025-11-01 (the PGA resets each November; weather-normalization rider not included). Utility taxes or franchise fees on Troy bills were not found and are not included.
Insurance: the newest Missouri DCI statewide figure we could read is the 2022 average, so premiums now are probably higher.
Nothing here is legal, tax or insurance advice.

Sources

How Troy compares

A typical Troy house against the 43 Missouri cities we cover, using the same default numbers as the total above.

Per year	Troy	Median	Where it falls
Property tax rate	6.45%	5.64%	higher than 35 of the other 42 Missouri cities we cover
Water	$370	$680	lower than 38 of the other 42 Missouri cities we cover
Sewer and utility-bill fees	$874	$805	higher than 26 of the other 42 Missouri cities we cover
Trash	$260	$261	lower than 16 of the other 31 Missouri cities we cover
Electricity and gas	$2,308	$2,357	lower than 24 of the other 42 Missouri cities we cover
Home insurance	$1,678	$1,872	lower than 16 of the other 26 Missouri cities we cover
Total	$8,267	$8,070	higher than 24 of the other 42 Missouri cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Troy's property tax rate is 6.45%, higher than 35 of the other 42 Missouri cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Troy is 6.45%, higher than 35 of the other 42 Missouri cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $370 a year at typical use, lower than 38 of the other 42 Missouri cities we cover.

Ask: "Water here costs about $370 a year at typical use, lower than 38 of the other 42 Missouri cities we cover. What drives that cost, and would you change anything?"

Common questions about Troy house costs

What is the property tax rate in Troy?

About 6.45% of the value before exemptions a year (2026 tax rates, Lincoln County (Troy R-3 school, City of Troy, Troy fire district)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Troy?

About $32,252 a year on $500,000 of the value before exemptions.

How much is the water bill in Troy?

About $104 a month for water and sewer at typical use (7,000 gallons a month) on City of Troy.

How much does trash pickup cost in Troy?

$22 a month for a house.

Can seniors lower their property tax or bills in Troy?

Yes. Senior and handicap discount trash rate: The senior and handicap discount rate is $16.26, against a $21.68 base rate.

How much does a house in Troy cost to run each year?

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