Photo: Paul Sableman · CC BY 2.0Measured against area pay, Normandy costs less to live in than 96% of U.S. towns
It ranks #5 of 247 in Missouri for affordability. Down 1.2% in a year, 64% below the Missouri typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the St. Louis, MO-IL metro area ($80K). How TownRatings grades cost of living
Only 4 sales in September 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade compares costs with what households across the St. Louis metro earn ($80K, Census 2020–24). The typical home costs 1.1 years of metro income, and 75% of renters pay 30% or more of income for housing.
In dollars
- $95Ktypical home, 64% below the Missouri typical homeZillow, September 2026
- $1,130a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 95prices across the St. Louis metro, where the U.S. is 100 (housing 79)BEA Regional Price Parities, 2024
In paychecks the grade
- 1.1 yrsof area income buys the typical home; the typical U.S. town: 3.3$80K, St. Louis-area income
- 15%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 75%of renters pay 30%+ of income for housing; across Missouri: 46%Census 2020–24
- 37%of owners do; the typical U.S. town: 20%Census 2020–24
Housing in Normandy, in brief
Low tax bills, but a high tax rate
The median tax bill is $1,729, under the Missouri median of $1,948, because homes cost less. As a share of value, though, it’s 1.98% a year, against 0.85% statewide. On the typical home, that’s about $160 a month. Property taxes ↓
About three in four renters are stretched
75% of renter households spend 30% or more of their income on rent, against 46% across Missouri. A standard two-bedroom would take 46% of the median household income. Renting ↓
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical Normandy home runs about $650 a month with tax and insurance. A two-bedroom rents for about $1,130. Can I afford it? ↓
Most Normandy households rent
65% of households rent their home, 1,042 in all, against 32% across Missouri. Renting ↓
The least expensive town in its area
All five neighboring towns with a Zillow value cost more than Normandy. The closest is Cool Valley at $105K; Pasadena Hills tops the list at $260K. Vs. neighbors ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; permits are Census figures through 2025 (2025 partly estimated); incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Normandy’s grade
Measured against what households in the area earn, Normandy is more affordable than 96% of U.S. towns, #5 of 247 in Missouri. Rent pulls the grade down most; home prices hold it up.
37% of residents are college students, whose low reported incomes push up the share paying 30%+ for housing, so the grade leaves that input out.
Values have lagged Missouri: the typical Normandy home is up 18.9% in five years, against 26.3% statewide (Zillow).
Up 18.9% in five years
Slower than Missouri (26.3%).
Show as a table
| January | Normandy | Missouri |
|---|---|---|
| 2017 | $42,000 | $147,000 |
| 2018 | $45,000 | $155,000 |
| 2019 | $58,000 | $163,000 |
| 2020 | $60,000 | $171,000 |
| 2021 | $69,000 | $191,000 |
| 2022 | $81,000 | $217,000 |
| 2023 | $91,000 | $234,000 |
| 2024 | $87,000 | $245,000 |
| 2025 | $101,000 | $255,000 |
| 2026 | $98,000 | $260,000 |
| September 2026 | $95,000 | $265,000 |
A typical Normandy home worth $41K in October 2016 is worth about $95K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A typical home costs about a year of area income
The calculator starts from the area income the grade uses. Switch to Normandy’s own median, or type yours.
That covers a typical Normandy home, with $176K to spare.
A two-bedroom rents for about $1,130 a month here, $480 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Normandy’s typical property tax (1.98% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,130
Renters already here pay a median of $1,002, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (St. Louis, MO-IL HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
24 new homes permitted in 2025
Builders were permitted 24 new homes in Normandy in 2025, all single-family houses. That's 5.7 per 1,000 residents, faster than across Missouri (3.7). Over the past 10 years, Normandy has permitted 89 homes in all.
Between the 2010 and 2020 censuses, Normandy's population fell by 721 and no new homes were permitted. Across Missouri: 1.1 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 16 | 16 | 0 | $222,000 |
| 2025 | 24 | 24 | 0 | $333,000 |
| 2024 | 22 | 22 | 0 | $305,000 |
| 2023 | 18 | 18 | 0 | $250,000 |
| 2022 | 25 | 25 | 0 | $347,000 |
| 2021 | 0 | 0 | 0 | — |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 0 | 0 | 0 | — |
| 2016 | 0 | 0 | 0 | — |
| 2015 | 0 | 0 | 0 | — |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 0 | 0 | 0 | — |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 1 | 1 | 0 | $70,000 |
| 2006 | 0 | 0 | 0 | — |
| 2005 | 0 | 0 | 0 | — |
| 2004 | 1 | 1 | 0 | $70,000 |
| 2003 | 0 | 0 | 0 | — |
| 2002 | 0 | 0 | 0 | — |
| 2001 | 0 | 0 | 0 | — |
| 2000 | 0 | 0 | 0 | — |
Normandy's permit office didn't report to the Census in 2025, so the 2025 figures are Census estimates.
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Low tax bills, but a high tax rate
The median bill is $1,729, under the Missouri median of $1,948, because homes cost less. As a share of value it’s 1.98% a year, against 0.85% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Normandy
Only figures published free for the whole country, each labeled with the area it covers: the St. Louis, MO-IL metro area, or Missouri. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 95 | MO 91 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 100 | MO 96 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 70 | MO 79 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | MO 95 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Normandy vs. its neighbors
Of the 6 towns here with a Zillow value, Normandy has the lowest. Norwood Court has no Zillow value, so it is in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Normandy | A+ | $95K | $87K | 1.98% | $1,130 |
| Cool Valley | A− | $105K | $103K | 1.62% | $1,110 |
| Bellerive Acres | – | — | $329K | 1.66% | $1,110 |
| Bel-Nor | A− | $215K | $218K | 1.65% | $1,130 |
| Pasadena Park | – | $149K | $170K | 1.53% | $1,110 |
| Pasadena Hills | – | $260K | $253K | 1.79% | $1,110 |
| Norwood Court | – | — | $87K | 2.14% | $1,110 |
| Ferguson | B+ | $115K | $110K | 1.51% | $1,260 |
“—” under Cost: not graded (too little Census data, or under 1,000 residents). “—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Normandy
Is Normandy expensive to live in?
Measured against what households in the area earn, Normandy costs less than 96% of U.S. towns: an A+ for cost of living, #5 of 247 in Missouri. The typical home costs 1.1 years of the median household income of the St. Louis, MO-IL metro area ($80K).
How much does a house cost in Normandy?
About $95K, Zillow’s typical value for September 2026, down 1.1% in a year. The Missouri typical home is $265K.
What salary do you need to live in Normandy?
To buy the typical home with 20% down at 6.3%, about $28,000 a year, keeping the payment (about $650 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $45,000.
How much is rent in Normandy?
HUD puts a two-bedroom at about $1,130 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,002 (Census 2020–24).
What are property taxes in Normandy?
The median bill is $1,729 a year, 1.98% of the median home value (Missouri: $1,948, 0.85%), from the Census 2020–24.
Are home prices in Normandy going up?
No: down 1.1% in the past year and 18.9% in five years, against 26.3% across Missouri (Zillow).
Neighbors talk housing
What Normandy buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.