Measured against area pay, Terre du Lac costs less to live in than 84% of U.S. towns
It ranks #54 of 247 in Missouri for affordability.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Farmington, MO micro area ($57K). How TownRatings grades cost of living
The grade compares costs with what households across the Farmington-area micro earn ($57K, Census 2020–24). The typical home costs 3.5 years of area income, and 0% of renters pay 30% or more of income for housing.
In dollars
- $990a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 3.5 yrsof area income buys the typical home; the typical U.S. town: 3.3$57K, Farmington-area income
- 6%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Terre du Lac
What’s behind Terre du Lac’s grade
Measured against what households in the area earn, Terre du Lac is more affordable than 84% of U.S. towns, #54 of 247 in Missouri. Home prices pull the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 55% in 5 years
The federal house price index for the ZIP code around Terre du Lac rose 55% over the past 5 years, faster than across Missouri (51%). Last year prices fell 1.7%. Carrying the Census median home value forward with that index puts the typical Terre du Lac home at roughly $220,000 today.
Carrying the Census median forward with the index puts a typical home at about $220K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Terre du Lac, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
Too few sales to read the market
Only 8 homes sold in May 2026, the latest month in Redfin’s figures: too few to describe the market or quote a median sale price.
A typical home costs 3.5 years of area income
The calculator starts from the area income the grade uses. Switch to Terre du Lac’s own median, or type yours.
That covers a typical Terre du Lac home, with $9K to spare.
A two-bedroom rents for about $990 a month here, $290 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Terre du Lac’s typical property tax (0.69% 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 $990
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.
Property tax runs below the Missouri norm
The median bill is $1,377 (Missouri: $1,948), 0.69% of a home’s value 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+”.
Terre du Lac and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Terre du Lac | A− | — | $199K | 0.69% | $990 |
“—” 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 Terre du Lac
Is Terre du Lac expensive to live in?
Measured against what households in the area earn, Terre du Lac costs less than 84% of U.S. towns: an A− for cost of living, #54 of 247 in Missouri. The typical home costs 3.5 years of the median household income of the Farmington, MO micro area ($57K).
How much is rent in Terre du Lac?
HUD puts a two-bedroom at about $990 a month with utilities, the going rate for someone moving in.
What are property taxes in Terre du Lac?
The median bill is $1,377 a year, 0.69% of the median home value (Missouri: $1,948, 0.85%), from the Census 2020–24.
Neighbors talk housing
What Terre du Lac buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. 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.