Troy Homes under $400,000

Welcome to Troy, Missouri – a hidden gem nestled in the heart of Lincoln County. Known for its charming small-town atmosphere and close-knit community, Troy offers residents a perfect blend of rural tranquility and modern conveniences. With its picturesque landscapes and rich history, this vibrant city is an ideal place for families, professionals, and retirees alike.

Troy boasts a variety of amenities, including local shops, restaurants, and parks, making it easy for residents to enjoy the simple pleasures of life. The city's commitment to community events and activities fosters a welcoming environment, ensuring that neighbors become friends. Troy is also conveniently located just a short drive from St. Louis, providing easy access to urban attractions while allowing residents to retreat to their peaceful hometown.

For those looking to make Troy their home, the real estate market offers an impressive selection of homes under $400,000. From charming single-family residences to modern townhouses, there’s something for everyone in this price range. Whether you're a first-time homebuyer or looking to downsize, you'll find properties that fit your lifestyle and budget. Many homes feature spacious yards, updated interiors, and proximity to excellent schools and amenities.

Discover the joys of living in Troy, MO, where community spirit meets affordable housing options. Explore the available homes today, and take the first step toward making this delightful city your new home!

Newest Troy Homes under $400,000

$319,900

4 Beds ⋅ 2 Baths ⋅ 26071354 MLS ⋅ COMING SOON Status

LIKE NEW, LOADED WITH UPGRADES & GORGEOUS NEW DECK! Welcome to this stunning 4-bedroom, 2-bath home nestled in a quiet cul-de-sac in the heart of Troy! Only 3 years young, this move-in-ready beauty offers the perks of newer construction PLUS some incredible upgrades! Step inside to find soaring vaulted ceilings, beautiful granite countertops, and a spacious primary suite featuring double vanities and a large walk-in closet. With major appliances and systems less than 3 years old, you can enjoy the peace of mind that comes with owning a newer home! Now let's talk about THAT DECK! Recently installed, this top-of-the-line composite deck is an absolute showstopper! Built with premium materials and all the bells and whistles, including gorgeous illuminated railings and lighted steps extending all the way down to the yard. It's the ultimate outdoor entertaining space, offering beauty, functionality, and low-maintenance living. And the cherry on top? It comes with a warranty! An incredible upgrade that's already been done for you! Additional improvements include brand-new lower-level flooring, an extended driveway with parking for 3 vehicles, and beautiful fresh landscaping accented by a gray brick flower bed. Need extra space? The ENORMOUS garage comfortably accommodates two vehicles PLUS additional room for a workshop, home gym, or hobby space! Already equipped with Starlink internet, this home is ready for modern living. Tucked away in a private subdivision with no HOA, situated on a cul-de-sac with no neighboring home on one side, this property offers a wonderful combination of privacy, convenience, and modern upgrades. Why wait to build when this one has already done the upgrading for you? Schedule your showing before someone else calls it HOME!

10 Myriah Ct, Troy

$172,000

2 Beds ⋅ 1 Baths ⋅ 26071165 MLS ⋅ ACTIVE Status

Looking for an affordable alternative to renting or a great investment opportunity? This charming ranch-style home offers 2 bedrooms, 1 bath, and numerous recent updates that make it ready for its next owner! Improvements include new kitchen cabinets, countertops and stove, an updated bathroom with a new tub, surround, toilet and vanity, plus a new hot water heater. Fresh paint throughout, new carpet and vinyl flooring, new doors and two new ceiling fans add to the appeal. Enjoy the convenience of a one-car attached garage with opener, partially fenced backyard and additional on-street parking. Located in town, just minutes from schools, shopping, hospital and restaurants, this home offers an opportunity to stop paying rent and start building equity. Even better, a one-year home warranty is included for added peace of mind! Whether you're looking for a place to call your own or an investment property to add to your portfolio, this one is worth a look! Don't miss your opportunity to make it yours!

208 Kuhne Blvd, Troy

$383,762

3 Beds ⋅ 2 Baths ⋅ 26070804 MLS ⋅ ACTIVE Status

Fresh new life and full of possibilities! This beautiful 3-bedroom, 2-bath home sits on 5 unrestricted acres in a convenient location between Troy, Winfield, and Foley, just minutes from Cuivre River State Park. The extensive updates include a new roof, windows, soffit, fascia, gutters, deck, walkway, HVAC system, electrical, and plumbing, offering peace of mind and move-in-ready convenience. Inside, you’ll find an inviting open floor plan with abundant natural light, plenty of cabinetry, stainless steel appliances that stay, and the convenience of main-floor laundry. The split bedroom floor plan offers added privacy, with the second bedroom featuring a walk-in closet. The primary bedroom includes a private bath with dual sinks and a walk-in shower. The basement features a separate entrance and egress windows, offering exciting potential to create additional living space, a separate living area, or whatever best suits your needs. Outside, enjoy the privacy and versatility of five unrestricted acres, complete with an oversized detached carport and wooded trails leading toward the back of the property. With no restrictions holding you back, the possibilities are endless! Bring your business, enjoy room for recreational equipment, explore the potential to divide the property for an additional home (subject to applicable approvals), or simply enjoy the space and privacy of country living. Whether you’re looking for a place to call home, room to grow, or an investment in property with potential, this one is worth a look!

3480 Hwy Kk, Troy

$292,000

4 Beds ⋅ 2 Baths ⋅ 26070170 MLS ⋅ ACTIVE Status

760 Cap Au Gris St is a residence with a functional layout and comfortable living spaces throughout. Built in 1927, the home features a covered front porch. The kitchen features white cabinetry and black appliances, creating a well-equipped space for cooking and entertaining. The main living area includes a ceiling fan, and the dining room features French doors. Upper-level bedrooms feature sloped ceilings and soft flooring. One bathroom features double sinks for everyday convenience and a tub and shower combination, and another includes a separate shower. A dedicated laundry room adds everyday utility, and a spacious garage provides parking and storage. This residence combines practical design with comfortable living spaces, delivering functional amenities throughout every room. Included 100-Day Home Warranty with buyer activation

760 Cap Au Gris St, Troy

$329,900

3 Beds ⋅ 2 Baths ⋅ 26068877 MLS ⋅ ACTIVE Status

For a limited time take 10,000 in flex cash toward your new home . Ask a New Home Specialist for complete details.The Westbrook is a beautifully designed to-be-built ranch-style home that offers the perfect balance of modern style and everyday comfort. Its split-bedroom, open-concept layout features a sunlit great room and family dining area that flow seamlessly into one of the largest kitchens you’ll find in a home this size. The kitchen is a cook’s dream, offering abundant counter space, a spacious prep island, GE appliances, and a walk-in pantry. The owner’s suite serves as a private retreat with a luxurious bath and large walk-in closet, while two additional bedrooms and a full bath complete this thoughtfully designed floor plan. The STANDARD 3-car garage opens directly into the convenient laundry/mud room for effortless daily living. Personalize your Westbrook with options such as vaulted ceilings, a cozy fireplace, bay windows, or an open staircase to the lower level. Every Rolwes Company home includes enclosed soffits and fascia, a fully sodded yard, and a professional landscape package for lasting curb appeal. Images shown may reflect optional features. See your Sales Representative for a full list of included features and community details.

2 Tbb Westbrook Summit Park Hls, Troy

$286,990

3 Beds ⋅ 2 Baths ⋅ 26068867 MLS ⋅ ACTIVE Status ⋅ Tremont BLDG.

For a limited time take 10,000 in flex cash toward your new home. Ask a New Home Specialist for complete details.The Tremont is a beautifully designed ranch-style home from Rolwes Company’s Classic Series, offering the perfect balance of comfort, functionality, and modern style. This to-be-built open-concept home features three bedrooms, two bathrooms, main-floor laundry, and a two-car garage. The spacious great room flows effortlessly into the sunlit dining area and well-appointed kitchen, creating an inviting space ideal for everyday living or entertaining guests. The owner’s suite serves as a private retreat, complete with a luxurious bath and a large walk-in closet. Personalize your Tremont with a variety of options such as a kitchen island, bay windows, vaulted ceilings, a cozy fireplace, or a 2-foot bedroom extension. You can even expand your living space with an optional fourth bedroom or recreation room on the lower level. Every Rolwes Company home includes enclosed soffits and fascia, a fully sodded yard, and a professional landscape package for lasting curb appeal. Images shown may reflect optional features. Please see your Sales Representative for a complete list of included features and community details.

2 Tbb Tremont Summit Park Hls, Troy

$319,990

4 Beds ⋅ 3 Baths ⋅ 26069091 MLS ⋅ ACTIVE Status ⋅ Stockton BLDG.

For a limited time take 10,000 in flex cash toward your new home. Ask a New Home Specialist for complete details.Step inside the Stockton, a beautifully designed two-story home that combines style, comfort, and functionality. The main floor features a formal dining room, a spacious kitchen, a flex room perfect for a home office or playroom, a powder room, and a bright great room ideal for gathering with family and friends. Upstairs, the owner’s suite offers a relaxing retreat with a private bath and large walk-in closet, while three additional bedrooms, a full bath, and a second-floor laundry room provide plenty of space and convenience for everyday living. The unfinished lower leveloffers excellent storage or the opportunity to expand your living area with an optional recreation room, bedroom, or bathroom. Every Rolwes Company home includes enclosed soffits and fascia, fully sodded yard, and a professional landscape package for lasting curb appeal. Images shown may reflect optional features. Please see your Sales Representative for a complete list of included features and community details.

2 Tbb Stockton Summit Park Hls, Troy

$304,990

3 Beds ⋅ 2 Baths ⋅ 26068881 MLS ⋅ ACTIVE Status

For a limited time take 10,000 in flex cash toward your new home. Ask a New Home Specialist for complete details.Rockport is a beautifully designed ranch-style home that perfectly combines classic charm with modern functionality. This to-be-built, split-bedroom floor plan features three bedrooms, two bathrooms, main-floor laundry, and a two-car garage. The open-concept design showcases a spacious great room, sunlit dining area, and a well-appointed kitchen with an oversized island for additional seating—ideal for entertaining or everyday living. The owner’s suite is a private retreat complete with a large walk-in closet and a luxurious bath. Personalize your Rockport with thoughtful options such as a 3-car garage, vaulted ceilings, cozy fireplace, bay windows, or a deluxe owner’s bath. Expand your living space with an optional rec room or additional lower-level bedroom. Every Rolwes Company home includes enclosed soffits and fascia, a fully sodded yard, and a professional landscape package for lasting curb appeal. Images shown may reflect optional features. Please see your Sales Representative for a full list of included features and community details.

2 Tbb Rockport Summit Park Hls, Troy

$304,990

3 Beds ⋅ 2 Baths ⋅ 26069090 MLS ⋅ ACTIVE Status

2 Tbb Rockport Summit Park Hls, Troy

$323,990

3 Beds ⋅ 2 Baths ⋅ 26068870 MLS ⋅ ACTIVE Status ⋅ Rochester BLDG.

For a limited time take 10,000 in flex cash toward your new home. Ask a New Home Specialist for complete details.Rochester is thoughtfully crafted for modern comfort and everyday livability, making it one of our most sought-after home designs. This split 3-bedroom, 2-bath layout features an open-concept main floor with a spacious great room, bright dining area, and a well-appointed kitchen—perfect for gatherings and daily life. The owner’s suite serves as a private retreat, complete with a large walk-in closet and luxurious ensuite bath, while the main-floor laundry adds extra convenience for busy households. Personalize your Rochester with a variety of optional upgrades, including a bay window, cozy fireplace, or luxury owner’s bath. For even more living space, consider an optional recreation room or additional lower-level bedroom. Explore the possibilities using our interactive home design tool or schedule a personal consultation today to start designing your perfect Rochester.

2 Tbb Rochester Summit Park Hls, Troy

2 Tbb Quincy The Summit At Park Hls, Troy

$357,990

4 Beds ⋅ 3 Baths ⋅ 26069097 MLS ⋅ ACTIVE Status

For a limited time take 10,000 in flex cash toward your new home . Ask a New Home Specialist for complete details.The Quincy is a brand-new 2-story floor plan designed with today’s lifestyle in mind, offering the perfect balance of flexibility, comfort, and modern design. The main level features a private study ideal for a home office, a spacious great room, and a large kitchen that opens seamlessly to the dining area—creating an ideal layout for both everyday living and entertaining. Upstairs, the owner’s suite serves as a relaxing retreat with a generous walk-in closet and private bath. Three additional bedrooms share a full bathroom, providing plenty of space for family or guests. Personalize your Quincy with optional upgrades such as a finished basement, 3-car garage, cozy fireplace, or covered deck/patio to create the home that fits your lifestyle. Explore design possibilities using our interactive home design tool or contact us today to schedule your consultation and learn more about this exciting new plan!

2 Tbb Quincy The Summit At Park Hls, Troy

$278,990

2 Beds ⋅ 2 Baths ⋅ 26068777 MLS ⋅ ACTIVE Status

For a limited time take 10,000 in flex cash toward your new home. Ask a New Home Specialist for complete details. the Dillon, a thoughtfully designed buildable ranch-style home plan that offers comfort, efficiency, and modern living in a smart, streamlined layout. As one of our most efficient floor plans, the Dillon makes the most of every square foot with a bright open-concept design that seamlessly connects the kitchen, dining area, and great room—perfect for both everyday living and entertaining. This home features 2 bedrooms and 2 baths, including a private owner’s suite with a well-appointed bath and walk-in closet. The kitchen includes a generously sized island ideal for casual dining, morning coffee, or gathering with friends and family. A secondary bedroom offers flexibility for guests, a home office, or additional living space to fit your needs. For added versatility, an optional third bedroom allows you to expand as your lifestyle evolves. This inviting home combines functionality, comfort, and value—making it a perfect fit for a variety of buyers. Images, remarks or listing shown may reflect optional features that are not standard. Please see your Sales Representative for a complete list of included features and community details.

2 Tbb Dillon The Summit Park Hls, Troy

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.

Troy Homes under $400,000

Newest Troy Homes under $400,000

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