A Guide to New Construction in Chesterfield and Town and Country
May 14, 2026
May 14, 2026
If you are eyeing new construction in Chesterfield or Town and Country, you are probably asking the same question many buyers do: Which one actually fits the way I want to live? That is a smart place to start, because buying a newly built home is not just about square footage or finishes. It is also about pricing, timelines, city approvals, amenities, and the kind of setting you want around you long after move-in day. This guide walks you through what to compare, what to ask, and what to watch for so you can move forward with more clarity. Let’s dive in.
Both Chesterfield and Town and Country offer new-construction opportunities, but they do not feel the same on the ground.
Chesterfield currently offers a broader mix of housing types and community styles. In the current market, that includes everything from townhome-style living at Wildhorse Village to luxury homesites at The Glen at Kehrs Mill. Town and Country, by contrast, appears more limited in available inventory and leans toward a scarcer luxury market.
That difference shows up in current value and inventory data. As of March 31, 2026, Zillow reported a typical home value of $570,325 in Chesterfield and $1,146,742 in Town and Country. Zillow also showed 114 homes for sale in Chesterfield compared with 14 in Town and Country, which helps explain why Town and Country can feel tighter at the high end.
Chesterfield has a wider range of current new-construction product. Wildhorse Village is an 80-acre multi-use townhome community with pricing starting around the high $600,000s into the $800,000s and planned amenities that include fitness facilities, a terraced plaza, public art spaces, a boathouse, an amphitheater, and lakefront walking paths and park space.
Chesterfield also includes more private luxury opportunities. The Glen at Kehrs Mill is a 10-homesite enclave next to Meadowbrook Country Club with pricing starting around $1.13 million. That spread gives you more flexibility if you are trying to match your budget and preferred lifestyle to a specific type of new build.
Town and Country's current new-construction examples look more selective. Woods Mill Crossing is a condo community with base prices starting at $729,900, and quick-move homes currently listed from the high $700,000s into the low $900,000s.
The builder notes that availability and timelines depend on the current phase. Buyers can also choose enhancements through a design-studio process, which means the final cost can move well beyond the advertised starting price.
This part matters more than many buyers expect. Published builder pricing is often a base number, not the final amount you will pay.
In Chesterfield, Fischer states that Wildhorse Village buyers can personalize their homes. In Town and Country, McBride says enhancements are selected through its design studio, and that prices, promotions, features, and amenities can change without notice.
That means your real comparison should include more than the headline price. As you review communities, ask for a full estimate that includes lot premiums, structural options, design selections, upgrade allowances, and any community-specific costs tied to the purchase.
New construction is never just about the builder's schedule. In both cities, local approvals can shape how quickly a home gets started and when it is ready for occupancy.
Town and Country adds a more visible city-review layer before many homes can move forward. The city states that all new residences must go before the Architectural Review Board before permitting, with a $350 application fee, two submission packets, and 12 collated sets due 10 days before the meeting.
The city also says new homes require building permits, inspections scheduled at least 24 hours in advance, and a residential occupancy permit before first occupancy. In some cases, planned residential communities may also require Site Plan Review, which can mean builder, HOA or trustee, and city review steps are all happening at once.
Chesterfield also reviews construction through its planning and permitting process. The city says building permits help ensure projects are structurally sound and comply with building and zoning codes.
So while the approval stack may look less layered than Town and Country's Architectural Review Board process, custom and infill projects in Chesterfield still move through municipal review. If you are building from the ground up, it is worth asking how permitting and inspections could affect your construction timeline.
One of the biggest lifestyle differences between these two areas comes down to land use and community design.
Town and Country's comprehensive plan says the city aims to preserve large-lot residential as its predominant land use. It also states that one-acre lots remain the primary minimum residential lot size, with greenspace requirements continuing to play a major role.
The city's quick reference lists minimum greenspace standards of 75% for lots one acre or larger and 60% for lots under one acre. In practical terms, that helps explain why many buyers are drawn to Town and Country for a more spacious, green, and low-density setting.
Chesterfield shows a more flexible pattern of development. The city includes parks, trails, civic amenities, and a wider mix of housing environments, from neighborhood settings to more amenity-focused communities.
Its parks and recreation resources include Central Park, the Chesterfield Family Aquatic Center, Chesterfield Amphitheater, Chesterfield Valley Athletic Complex, Eberwein Park, and River's Edge Park and trails. The city's Bikeable Walkable Plan also includes projects such as Pathway on the Parkway and sidewalk replacement, which reflects an ongoing investment in connectivity.
No one can promise future appreciation, and it is important to keep that expectation grounded. But the available planning and market data do suggest these two areas operate a little differently.
Town and Country reads more like a scarcity market at the luxury end, based on its land-use goals, larger-lot philosophy, and lower current inventory. Chesterfield offers more product variety and more amenity-driven development patterns, which can appeal to buyers who want options across a broader price and lifestyle range.
As of March 31, 2026, Zillow's one-year value trends showed Town and Country up 5.4% year over year and Chesterfield up 3.5%. That is useful context, but not a guarantee of what any specific home or community will do next.
Builder contracts are not all the same, and this is where you want to slow down and read carefully.
The Consumer Financial Protection Bureau says buyers should consider making the purchase contract contingent on financing and a satisfactory inspection. If the home is not yet built, a builder may also ask for an upfront builder deposit or earnest money, so you should ask exactly when that deposit is refundable and when it is not.
The same guidance also notes that you do not have to use the builder's affiliated lender. That can be especially important if you are comparing incentives against loan terms and trying to understand the true cost of the deal.
A brand-new home can still have issues. New does not automatically mean perfect.
The CFPB recommends getting an independent inspection as soon as possible and reminds buyers that an inspection is different from an appraisal. It also notes that if your contract is contingent on a satisfactory inspection, you may be able to cancel without penalty if you are not satisfied with the results.
For new construction, the practical move is simple: do not rely only on the builder's internal quality-control process. A third-party inspection gives you another set of eyes before you close.
Most newly built homes come with a builder warranty, not a standard home warranty. That distinction matters.
According to the FTC, common warranty structures often cover workmanship and materials for one year, HVAC, plumbing, and electrical systems for two years, and some structural defects for up to 10 years. The FTC also notes that disputes may move into mediation or arbitration, which is another reason to understand the written terms before you sign.
As you compare communities, ask these questions:
When you are comparing new construction in Chesterfield or Town and Country, a few questions can quickly bring the real picture into focus.
These questions help you compare apples to apples, especially when two communities look similar at first glance but operate very differently once fees, design selections, and timing enter the picture.
If you want more variety in product type, price point, and amenity mix, Chesterfield may give you more room to compare options. If you are looking for a more limited, higher-end market shaped by larger lots and strong greenspace standards, Town and Country may align better with your goals.
Neither is universally better. The right fit depends on whether you value flexibility, community amenities, and broader inventory, or whether you are prioritizing privacy, lot size, and a more scarcity-driven luxury setting.
Buying new construction should feel exciting, not murky. If you want a clear, polished way to position homes, communities, or property-adjacent brands online, Melinda Becker creates design-led content and websites that turn attention into real inquiries.
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