Median Income
$50,000
33% lower than US avg
Home Value
$95,600
66% lower than US avg
Violent Crime
14/100K
96% lower than US avg
Bachelor's+
15.4%
54% lower than US avg
Median Rent
$906
22% lower than US avg
Obesity Rate
35.7%
11% higher than US avg
Unemployment
2.8%
22% lower than US avg
Poverty Rate
4.9%
60% lower than US avg
How Troy Compares to the U.S. Average (100% = U.S. avg)
People
Population539
Median Age32.6 yrs
Density477/mi²
Male / Female41% / 59%
Largest GroupWhite 94%
Veterans17.5%
Economy
B+
Median Income$50,000
Per Capita$26,554
Unemployment2.8%
Poverty4.9%
County GDP$1,002M
Commute20 min
Housing
A+
Home Value$95,600
Rent$906
Ownership80.6%
Zillow$135,063
Housing Units238
Rent Burden26.9%
Crime
F
Violent14/100K
Property1,918/100K
Health
Obesity35.7%
Uninsured8.0%
Smoking16.5%
Depression26.9%
Heart Disease5.4%
Climate
Avg Temp57°F (14°C)
AQI41 (Good)
Rain49.6 in/yr
Sunny Days293/yr
Elevation418 ft (127 m)
Education
C
Bachelor's+15.4%
High School+94.8%
Graduate+1.4%
School Score6.50
Community
2024 VoteR 64% / D 34%
Commute20 min
Broadband79.6%
EV Stations1
Libraries3
Is Troy a Good Place to Live?
Based on current data, Troy receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Troy offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Troy is $50,000, 33% below the national average of $75,149. The job market is very strong with unemployment at just 2.8%. Only 4.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 20 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Troy is $95,600, 66% below the national median / offering relatively affordable homeownership. Renters pay a median of $906 per month, below the national average / a plus for affordability. At just 1.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Troy is a very safe community with a violent crime rate of 14 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,918 per 100,000, near the national average.
Education
15.4% of residents hold a bachelor's degree, below the national average of 33.7%. 94.8% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Troy enjoys a moderate climate with an average annual temperature of 57°F. Winters average 34°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 49.6 inches, including 8.3 inches of snow. Air quality is rated Good with a median AQI of 41.
Troy has a population of 539 with a density of 477 people per square mile, spread across 1.1 square miles. The median age is 32.6 years, 16% younger than the national median of 38.9. The gender split is 59.4% female and 40.6% male. The city is predominantly White (94.4%), with 3.3% Hispanic. English is the primary language spoken at home by 100% of residents. 17.5% of the population are veterans, above the national rate of 6.0%. 33.0% of residents have a disability (above the 13.0% national average). 84.6% have health insurance coverage.
Population
32.6yrs
Median Age
16% below US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Troy is $50,000, which is 33% below the national average of $75,149. Per capita income is $26,554 (below the $39,052 national figure). The average weekly wage is $984, 31% lower than the U.S. average. The unemployment rate is 2.8% (below the 3.6% US average). 4.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 379 business establishments, including 44 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 3.7% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $50,000 |
| 33% below US avg |
| Per Capita Income | $26,554 |
| Avg Weekly Wage | $984 |
| IRS Avg AGI | $56,795 |
| Gini Index | 0.405 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.8% |
| 22% below US avg |
| Poverty Rate | 4.9% |
| 60% below US avg |
| Establishments (County) | 379 |
| County GDP | $1,002M |
Business (County)
| Restaurants | 44 |
| Healthcare | 45 |
| Retail | 61 |
| Manufacturing | 22 |
Tax & Cost of Living
| Property Tax (IRS) | $2,982 |
| 15% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.12% |
Commute & Transportation
| Commute Time | 19.9 min |
| Drive Alone | 84.1% |
| Public Transit | 0.6% |
| Work from Home | 3.7% |
The median home value in Troy is $95,600, 66% below the national median of $281,900. Zillow estimates the typical home value at $135,063, higher than the Census estimate. Monthly rent averages $906 (22% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 80.6% of housing units are owner-occupied (above the 65.4% national rate). There are 238 total housing units in the city. The median year a home was built is 1959. The average annual property tax is $2,982. 26.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.9x, well within the affordable range.
Home Values
| Census Median | $95,600 |
| 66% below US avg |
| Zillow ZHVI | $135,063 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $906 |
| 22% below US avg |
| Rent Burden | 26.9% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 80.6% |
| Owner-Occupied | 80.6% |
| Renter-Occupied | 19.4% |
| Housing Units | 238 |
| Median Year Built | 1959 |
Property Tax
| Avg Tax (IRS) | $2,982 |
| 15% below US avg |
| Effective Rate | 3.12% |
In Troy, 35.7% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.4% of residents. 33.1% have high blood pressure. 16.5% are current smokers. 19.0% report binge drinking. 22.3% are physically inactive. 26.9% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 8.0% of residents lack health insurance. The primary care physician ratio is 1:2,146. The dentist ratio is 1:3,197. 90.2% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Troy vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.7% |
| 11% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 5.4% |
| High Blood Pressure | 33.1% |
| Asthma | 11.4% |
| COPD | 6.9% |
| Cancer | 7.6% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 16.5% |
| 18% above US avg |
| Binge Drinking | 19.0% |
| Physical Inactivity | 22.3% |
| Depression | 26.9% |
| Mental Distress | 19.0% |
| Physical Distress | 12.9% |
| Short Sleep | 35.6% |
Healthcare Access
| Insurance Rate | 84.6% |
| Uninsured | 8.0% |
| 7% below US avg |
| Primary Care | 1:2,146 |
| Dentists | 1:3,197 |
| Mental Health | 1:1,372 |
| Checkup Rate | 77.1% |
| Dental Visits | 63.2% |
| Premature Death | 6,979/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 90.2% |
| Healthcare Facilities | 45 |
Troy has a violent crime rate of 14 per 100,000 residents, 96% below the national average of 380. Property crime stands at 1,918 per 100,000, 2% below the U.S. average. The county recorded 3 fatal traffic crashes. Overall, Troy receives a safety grade of F.
Crime Rates: Troy vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 13.7/100K |
| 96% below US avg |
| |
Property Crime
| Total Property | 1,918.3/100K |
| 2% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 11 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.2 / 5.0 |
Troy enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 34°F in January while summers reach 77°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 49.6 inches (wetter than the 38-inch national average). The area receives 8.3 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 418 feet.
Temperature
34°F Jan (1°C)
77°F Jul (25°C)
| Annual Average | 57.0°F |
| 6% above US avg |
| January Average | 34°F (1°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 418 ft (127 m) |
| Area | 1.1 sq mi (2.9 km²) |
| Population Density | 477/sq mi |
| Coordinates | 38.0020°N, 86.7990°W |
| Timezone | America/Indiana/Indianapolis |
| County | Perry County County |
| Nearest Airport | Owensboro/Daviess County Regional (OWB)
27 miles away |
Precipitation & Snow
Annual Rainfall
49.6"
31% above US avg
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 35.0 / 100 |
| Social Vulnerability | 35.6 / 100 |
| Community Resilience | 67.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
56 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
107 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
106 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
84 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
106 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
74 km |
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
31 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
38 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
128 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
108 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
106 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
143 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
109 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
145 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
104 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
105 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
106 km |
| Jul 18, 2008 |
6 km NNE of Bellmont, Illinois |
M3.1 |
108 km |
| Sep 9, 2017 |
4 km N of Bellmont, Illinois |
M3.1 |
108 km |
| May 30, 2023 |
6 km W of Calhoun, Kentucky |
M3.0 |
70 km |
| Apr 28, 2000 |
6 km W of Equality, Illinois |
M2.9 |
144 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
509 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 101 fatalities, 1,327 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
9 km |
6 |
| Apr 3, 1974 |
EF5 |
38 km |
31 |
| Mar 2, 2012 |
EF4 |
72 km |
11 |
| May 28, 1996 |
EF4 |
93 km |
0 |
| Jun 2, 1990 |
EF4 |
90 km |
1 |
| Jun 2, 1990 |
EF4 |
79 km |
6 |
| Apr 3, 1974 |
EF4 |
68 km |
0 |
| Apr 3, 1974 |
EF4 |
94 km |
3 |
| Apr 3, 1974 |
EF4 |
85 km |
3 |
| Jul 9, 2024 |
EF3 |
94 km |
0 |
| Mar 28, 2009 |
EF3 |
96 km |
0 |
| Mar 8, 2009 |
EF3 |
96 km |
0 |
| Oct 18, 2007 |
EF3 |
42 km |
0 |
| Nov 15, 2005 |
EF3 |
81 km |
0 |
| Nov 6, 2005 |
EF3 |
88 km |
24 |
| May 30, 2004 |
EF3 |
42 km |
1 |
| May 11, 2003 |
EF3 |
77 km |
0 |
| May 23, 2000 |
EF3 |
68 km |
0 |
| Jan 3, 2000 |
EF3 |
46 km |
0 |
| Jun 2, 1990 |
EF3 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
12 wildfires (100+ acres) within 100 km.
Largest: DEAD DEER (1,557 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
DEAD DEER |
1,557 |
80 km |
| 2017 |
UNNAMED |
1,336 |
21 km |
| 2019 |
UNNAMED |
1,057 |
23 km |
| 1999 |
UNNAMED |
1,039 |
81 km |
| 2021 |
UNNAMED |
959 |
24 km |
| 2014 |
UNNAMED |
910 |
32 km |
| 2019 |
UNNAMED |
892 |
32 km |
| 2024 |
LONG RUN RX |
774 |
19 km |
| 2010 |
RICEVILLE RX |
671 |
37 km |
| 2000 |
UNNAMED |
641 |
88 km |
| 2019 |
UNNAMED |
584 |
19 km |
| 2010 |
ROCKHOUSE HOLLOW RX |
581 |
20 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
34°F (1°C) |
3.1 in |
Coldest |
| February |
36°F (2°C) |
3.2 in |
|
| March |
45°F (7°C) |
4.6 in |
|
| April |
55°F (13°C) |
4.5 in |
|
| May |
64°F (18°C) |
4.7 in |
Wettest |
| June |
73°F (23°C) |
3.8 in |
|
| July |
77°F (25°C) |
4.7 in |
Warmest |
| August |
75°F (24°C) |
3.9 in |
|
| September |
69°F (20°C) |
3.4 in |
|
| October |
57°F (14°C) |
3.0 in |
Driest |
| November |
46°F (8°C) |
4.0 in |
|
| December |
36°F (2°C) |
3.7 in |
|
Troy has a seasonal temperature swing of 42°F / from 34°F in January to 77°F in July. Total annual precipitation is 46.4 inches, with May being the wettest month (4.7") and October the driest (3.0").
Average costs for common services in Troy. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Troy
What is the population of Troy?
Troy has a population of 539 residents and is located in Indiana. The population density is 477 people per square mile, spread across 1.1 square miles. The median age of residents is 32.6 years, which is younger than the national median of 38.9 years. The population is 59.4% female and 40.6% male.
Is Troy expensive to live in?
Troy is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $50,000, 33% below the national average of $75,149. The median home value is $95,600 (66% below the U.S. median). Renters pay a median of $906 per month, below the national average of $1,163. The home price-to-income ratio is 1.9x, indicating housing is reasonably affordable relative to local income levels.
Is Troy safe?
Troy is considered a very safe city with a violent crime rate of 14 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,918 per 100,000 (below the national average). Overall, Troy receives a safety grade of F based on combined crime data.
What is the weather like in Troy?
Troy enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 34°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 49.6 inches, with 8.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Troy?
The job market in Troy is very strong, with unemployment at just 2.8% / well below the national rate of 3.6%. The average weekly wage is $984. There are 379 business establishments in the area, including 44 restaurants and food service locations. The average commute time is 20 minutes, and 3.7% of workers work from home.
How much does housing cost in Troy?
The median home value in Troy is $95,600. Zillow estimates the typical home value at $135,063. For renters, the median monthly rent is $906. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 80.6%. The average annual property tax is $2,982.
How are the schools in Troy?
Schools in Troy score 6.5 out of 10 on standardized testing, near the national average. 15.4% of adults in Troy hold a bachelor's degree or higher, below the national average of 33.7%. 94.8% have completed high school. 1.4% hold a graduate or professional degree.
How healthy is Troy?
The obesity rate in Troy is 35.7% (above the national rate of 32.1%). 16.5% of adults are smokers. 22.3% are physically inactive. 26.9% of residents report depression. 8.0% lack health insurance. 90.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,146.
What is transportation like in Troy?
The average commute in Troy is 20 minutes, shorter than the national average of 28 minutes. 84.1% of workers drive alone to work, and 3.7% work from home.
What are the demographics of Troy?
The racial and ethnic makeup of Troy is 94.4% White, 3.3% Hispanic or Latino. 100% of residents speak only English at home. 17.5% of the population are military veterans. 33.0% of residents have a disability. 84.6% have health insurance coverage.
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