O'Fallon receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
Troy
O'Fallon
Opportunity
70 · Top 22%
vs85 · Top 3%
Growth
88 · Top 1%
vs69 · Top 18%
Climate
70 · Bottom 49%
vs70 · Bottom 49%
Physical resilience
47 · Bottom 39%
vs50 · Bottom 43%
Housing affordability
100 · Top 8%
vs100 · Top 8%
Schools
52 · Top 49%
vs83 · Top 9%
Access
81 · Bottom 23%
vs91 · Bottom 47%
Economic stability
62 · Top 45%
vs82 · Top 5%
Measured values
| Metric | Troy | O'Fallon | Source period |
|---|---|---|---|
| Population | 13,947 | 93,801 | 2024 ACS 5-Year |
| Median household income | $79,012 | $110,443 | 2024 ACS 5-Year |
| Per capita income | $32,005 | $49,304 | 2024 ACS 5-Year |
| Population density | 1,807/sq mi | 3,070/sq mi | 2024 ACS 5-Year |
| Median home value | $226,500 | $326,200 | 2024 ACS 5-Year |
| Median gross rent | $1,033 | $1,443 | 2024 ACS 5-Year |
| Homeownership rate | 69.9% | 81.0% | 2024 ACS 5-Year |
| Unemployment rate | 3.5% | 2.9% | June 2026 |
| Employment change (year over year) | 0.2% | 0.2% | June 2026 |
| Bachelor's degree or higher | 14.7% | 43.3% | 2024 ACS 5-Year |
| Poverty rate | 13.6% | 5.4% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 167 | 546 | 12 months ending July 2026 |
| Permits per 1,000 residents | 12.0 | 5.8 | 12 months ending July 2026 |
| Permit change (year over year) | 279.5% | 7.3% | 12 months ending July 2026 |
| Average July high | 90°F | 90°F | 1991-2020 Normals |
| Average January low | 22°F | 22°F | 1991-2020 Normals |
| Annual precipitation | 39.8" | 39.8" | 1991-2020 Normals |
| Distance to major airport | 36 mi | 19 mi | NASR current cycle |
| Average commute | 30.3 min | 27.1 min | 2024 ACS 5-Year |
| Median age | 35.2 | 38.4 | 2024 ACS 5-Year |
| Public schools | 9 | 23 | 2024-25 school year |
| Students per teacher | 13.57 | 13.33 | 2024-25 school year |
| Math proficiency | 38.3% | 53.3% | 2019-20 school year |
| Reading proficiency | 46.4% | 60.5% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 29.5% | 18.9% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Troy
Elevated or high exposure: earthquake, inland flooding.
O'Fallon
Elevated or high exposure: hail, earthquake, inland flooding.
Full profiles: Troy, MO · O'Fallon, MO · How this is calculated: methodology