Median Income
$75,777
1% higher than US avg
Home Value
$212,100
25% lower than US avg
Violent Crime
255/100K
33% lower than US avg
Bachelor's+
13.1%
61% lower than US avg
Median Rent
$1,051
10% lower than US avg
Obesity Rate
40.0%
25% higher than US avg
Unemployment
0.9%
75% lower than US avg
Poverty Rate
6.3%
49% lower than US avg
How Troy Compares to the U.S. Average (100% = U.S. avg)
People
Population13,467
Median Age34.8 yrs
Density1,744/mi²
Male / Female50% / 50%
Largest GroupWhite 92%
Veterans4.6%
Economy
A+
Median Income$75,777
Per Capita$30,667
Unemployment0.9%
Poverty6.3%
Commute32 min
Housing
A+
Home Value$212,100
Rent$1,051
Ownership69.4%
Zillow$306,413
Housing Units5,031
Rent Burden28.1%
Crime
F
Violent255/100K
Property2,447/100K
Murder0.0/100K
Assault247/100K
Burglary299/100K
Health
Obesity40.0%
Uninsured9.1%
Smoking17.6%
Depression25.4%
Heart Disease5.6%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain37.1 in/yr
Sunny Days269/yr
Elevation554 ft (169 m)
Education
C
Bachelor's+13.1%
High School+93.2%
Graduate+3.5%
School Score5.51
Community
2024 VoteR 77% / D 22%
Commute32 min
Broadband94.6%
EV Stations2
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 high obesity rates. 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 $75,777, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.9%. Only 6.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Troy is $212,100, 25% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,051 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Troy is below the national average at 255 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,447 per 100,000, 25% above the national average.
Education
13.1% of residents hold a bachelor's degree, below the national average of 33.7%. 93.2% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Troy experiences four distinct seasons with an average temperature of 54°F. Winters average 28°F in January while summers reach 78°F in July. With 269 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.1 inches, including 6.1 inches of snow. Air quality is rated Good with a median AQI of 41.
Troy has a population of 13,467 with a density of 1,744 people per square mile, spread across 7.4 square miles. The median age is 34.8 years, 11% younger than the national median of 38.9. The gender split is 50.3% female and 49.7% male. The city is predominantly White (92.4%), with 1.1% Hispanic, 1.8% Black. English is the primary language spoken at home by 97.1% of residents. 4.6% of the population are veterans, below the national rate of 6.0%. 17.6% of residents have a disability (above the 13.0% national average). 94.2% have health insurance coverage.
Population
34.8yrs
Median Age
11% below US avg
Language Spoken at Home
English Only
97.1%
24% above US avg
Spanish
2.9%
78% below US avg
The median household income in Troy is $75,777, which is 1% above the national average of $75,149. Per capita income is $30,667 (below the $39,052 national figure). The unemployment rate is 0.9% (below the 3.6% US average). 6.3% of residents live below the poverty line, lower than the national rate of 12.4%. The cost of living index is 90.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 32 minutes (longer than the 28-minute US average). 8.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $75,777 |
| 1% above US avg |
| Per Capita Income | $30,667 |
Employment & Poverty
| Unemployment | 0.9% |
| 75% below US avg |
| Poverty Rate | 6.3% |
| 49% below US avg |
Tax & Cost of Living
| |
| Cost of Living | 90.80 (100=avg) |
Commute & Transportation
| Commute Time | 32.0 min |
| Drive Alone | 76.5% |
| Public Transit | 0.8% |
| Work from Home | 8.4% |
The median home value in Troy is $212,100, 25% below the national median of $281,900. Zillow estimates the typical home value at $306,413, higher than the Census estimate. Homes sell for 101.1% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $1,051 (10% below the national average of $1,163). Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 69.4% of housing units are owner-occupied. There are 5,031 total housing units in the city. The median year a home was built is 1997. 28.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $212,100 |
| 25% below US avg |
| Zillow ZHVI | $306,413 |
| Median List Price | $301,950 |
Real Estate Market (Redfin)
| Median List Price | $301,950 |
| $/Sq Ft | $194 |
| Homes Sold | 7 |
| Sale-to-List Ratio | 101.1% |
| Price Drops | 22.2% |
| Inventory | 18 |
Rental Costs
| Census Median Rent | $1,051 |
| 10% below US avg |
| Rent Burden | 28.1% |
HUD Fair Market Rent
| Studio | $732 |
| 1 Bedroom | $775 |
| 2 Bedrooms | $970 |
| 3 Bedrooms | $1,265 |
| 4 Bedrooms | $1,457 |
Ownership & Property
| Homeownership | 69.4% |
| Owner-Occupied | 69.4% |
| Renter-Occupied | 30.6% |
| Housing Units | 5,031 |
| Median Year Built | 1997 |
Property Tax
In Troy, 40.0% of adults are obese, above the national rate of 32.1%. 10.2% have diabetes. Heart disease affects 5.6% of residents. 32.1% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 18.6% report binge drinking. 28.6% are physically inactive. 25.4% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 9.1% of residents lack health insurance.
Air Quality (Open-Meteo CAMS — 2026-05-24)
PM2.5
8.5
μg/m³
Fine particulate
PM10
9.5
μg/m³
Coarse particulate
NO₂
4.9
μg/m³
Nitrogen dioxide
SO₂
4.0
μg/m³
Sulphur dioxide
CO
155.0
μg/m³
Carbon monoxide
Health Metrics: Troy vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.0% |
| 25% above US avg |
| Diabetes | 10.2% |
| Heart Disease | 5.6% |
| High Blood Pressure | 32.1% |
| Asthma | 10.9% |
| COPD | 7.3% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 18.6% |
| Physical Inactivity | 28.6% |
| Depression | 25.4% |
| Mental Distress | 19.2% |
| Physical Distress | 14.1% |
| Short Sleep | 40.1% |
Healthcare Access
| Insurance Rate | 94.2% |
| Uninsured | 9.1% |
| 6% above US avg |
| Checkup Rate | 76.1% |
| Dental Visits | 58.9% |
Food & Exercise
Troy has a violent crime rate of 255 per 100,000 residents, 33% below the national average of 380. This breaks down to aggravated assault at 246.5 per 100,000, robbery at 0.0, rape at 8.8. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,447 per 100,000, 25% above the U.S. average. This includes larceny/theft at 2,104, burglary at 299, vehicle theft at 44 per 100,000 residents. Overall, Troy receives a safety grade of F.
Crime Rates: Troy vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 255.3/100K |
| 33% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 8.8/100K |
| Robbery | 0.0/100K |
| Assault | 246.5/100K |
Property Crime
| Total Property | 2,447.4/100K |
| 25% above US avg |
| Burglary | 299.3/100K |
| Theft | 2,104.1/100K |
| Vehicle Theft | 44.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Traffic Accidents | 20 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Troy experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 28°F in January while summers reach 78°F in July. The area gets 269 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 37.1 inches. The area receives 6.1 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 554 feet.
Temperature
28°F Jan (-2°C)
78°F Jul (25°C)
| Annual Average | 54.3°F |
| 1% above US avg |
| January Average | 28°F (-2°C) |
| July Average | 78°F (25°C) |
| Sunny Days | 269 days/yr |
Geography
| Elevation | 554 ft (169 m) |
| Area | 7.4 sq mi (19.0 km²) |
| Population Density | 1,744/sq mi |
| Coordinates | 38.9795°N, 90.9807°W |
| Timezone | America/Chicago |
| Nearest Airport | St Louis Lambert International (STL) 37 miles away |
Precipitation & Snow
Annual Rainfall
37.1"
3% below US avg
Wettest Month (May)
4.25"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Earthquake History
21 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on Sep 19, 2024.
| Jun 7, 2011 |
18 km NNW of Potosi, Missouri |
M3.9 |
101 km |
| Aug 27, 1993 |
5 km SSE of Olympian Village, Missouri |
M3.3 |
110 km |
| Jul 8, 2003 |
1 km N of Leasburg, Missouri |
M2.9 |
101 km |
| Feb 8, 2004 |
6 km SSW of Stoutsville, Missouri |
M2.9 |
97 km |
| May 18, 2006 |
9 km SSE of De Soto, Missouri |
M2.9 |
110 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
65 km |
| Mar 28, 2024 |
1 km NNE of Germantown, Illinois |
M2.8 |
134 km |
| Jul 31, 1995 |
8 km SSW of Caledonia, Missouri |
M2.8 |
144 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
73 km |
| Sep 13, 1997 |
3 km SSE of Darmstadt, Illinois |
M2.8 |
134 km |
| Jul 15, 1990 |
7 km SW of Potosi, Missouri |
M2.7 |
123 km |
| Nov 12, 1996 |
15 km SSE of Olympian Village, Missouri |
M2.7 |
120 km |
| Sep 5, 2015 |
5 km SE of High Ridge, Missouri |
M2.7 |
75 km |
| Feb 3, 2014 |
18 km NW of Potosi, Missouri |
M2.6 |
102 km |
| Nov 25, 2013 |
8 km NE of Bonne Terre, Missouri |
M2.6 |
120 km |
| Mar 7, 2009 |
7 km S of Miramiguoa Park, Missouri |
M2.6 |
90 km |
| Jun 6, 2017 |
8 km ENE of Bonne Terre, Missouri |
M2.6 |
123 km |
| Sep 19, 2024 |
1 km S of Old Monroe, Missouri |
M2.6 |
21 km |
| Sep 11, 2019 |
6 km NNE of Bonne Terre, Missouri |
M2.6 |
118 km |
| Jan 15, 1998 |
1 km SSE of Fenton, Missouri |
M2.5 |
72 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
490 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 46 fatalities, 910 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 22, 2011 |
EF4 |
51 km |
0 |
| Apr 3, 1981 |
EF4 |
79 km |
0 |
| Jan 24, 1967 |
EF4 |
50 km |
3 |
| Feb 10, 1959 |
EF4 |
60 km |
21 |
| Feb 24, 1956 |
EF4 |
59 km |
6 |
| Dec 10, 2021 |
EF3 |
84 km |
6 |
| Dec 10, 2021 |
EF3 |
43 km |
1 |
| May 31, 2013 |
EF3 |
75 km |
0 |
| May 31, 2013 |
EF3 |
38 km |
0 |
| Dec 31, 2010 |
EF3 |
70 km |
1 |
| Mar 13, 2006 |
EF3 |
35 km |
0 |
| Mar 13, 2006 |
EF3 |
33 km |
0 |
| Nov 15, 1988 |
EF3 |
31 km |
0 |
| Nov 15, 1988 |
EF3 |
94 km |
0 |
| Apr 29, 1984 |
EF3 |
6 km |
0 |
| May 1, 1983 |
EF3 |
82 km |
0 |
| May 1, 1983 |
EF3 |
71 km |
0 |
| Apr 22, 1981 |
EF3 |
98 km |
1 |
| Apr 7, 1980 |
EF3 |
61 km |
0 |
| Jun 12, 1970 |
EF3 |
76 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
1.7 in |
Coldest, Driest |
| February |
33°F (1°C) |
1.9 in |
|
| March |
44°F (7°C) |
3.2 in |
|
| April |
55°F (13°C) |
3.7 in |
|
| May |
64°F (18°C) |
4.3 in |
Wettest |
| June |
73°F (23°C) |
3.6 in |
|
| July |
78°F (25°C) |
3.7 in |
Warmest |
| August |
76°F (24°C) |
3.1 in |
|
| September |
68°F (20°C) |
3.2 in |
|
| October |
56°F (14°C) |
2.8 in |
|
| November |
44°F (7°C) |
3.2 in |
|
| December |
33°F (0°C) |
2.5 in |
|
Troy has a seasonal temperature swing of 50°F / from 28°F in January to 78°F in July. Total annual precipitation is 37.0 inches, with May being the wettest month (4.3") and January the driest (1.7").
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) |
$227 ($136–$363) |
| Specialist Visit |
$318 ($182–$499) |
| Urgent Care Visit |
$182 ($91–$318) |
| Emergency Room Visit |
$1,998 ($726–$4,540) |
| Dental Cleaning |
$118 ($68–$182) |
| Dental Filling |
$227 ($136–$363) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$109) |
| Brake Pad Replacement |
$272 ($136–$454) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$545 ($363–$908) |
| Battery Replacement |
$182 ($91–$318) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$91 ($54–$136) |
| Electrician (Per Hour) |
$82 ($45–$127) |
| HVAC Repair |
$363 ($136–$726) |
| HVAC System Install |
$6,356 ($3,632–$10,896) |
| Roof Repair |
$908 ($363–$1,816) |
| Roof Replacement |
$8,172 ($4,994–$13,620) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,362 ($454–$3,178) |
| Divorce (Contested) |
$13,620 ($4,540–$27,240) |
| DUI Defense |
$4,540 ($1,816–$9,080) |
| Bankruptcy (Chapter 7) |
$1,362 ($726–$2,724) |
| Will Preparation |
$454 ($182–$908) |
| Trust Preparation |
$2,270 ($908–$4,540) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$91) |
| Hair Coloring (Full) |
$136 ($68–$227) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$73 ($45–$118) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.72 ($2.72–$4.99) |
| Dozen Eggs (per dozen) |
$3.18 ($2.27–$4.54) |
| Loaf of Bread |
$3.45 ($2.27–$4.99) |
| Chicken Breast (per lb) |
$4.09 ($2.72–$5.90) |
| Ground Beef (per lb) |
$4.99 ($3.63–$6.81) |
| Rice (per lb) |
$0.91 ($0.54–$1.63) |
View all 20 services
Utilities
| Electricity (Monthly) |
$127 ($73–$227) |
| Natural Gas (Monthly) |
$64 ($27–$136) |
| Water/Sewer (Monthly) |
$64 ($36–$109) |
| Internet (Monthly) |
$64 ($36–$91) |
| Cell Phone Plan (Monthly) |
$59 ($27–$91) |
| Cable TV (Monthly) |
$77 ($45–$136) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$182 ($68–$454) |
| Car Insurance (Annual) |
$1,816 ($1,090–$3,178) |
| Bus Pass (Monthly) |
$64 ($27–$118) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.26–$23) |
| Car Registration (Annual) |
$91 ($27–$227) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,090 ($545–$2,270) |
| Daycare (Toddler, Monthly) |
$908 ($454–$1,816) |
| After-School Care (Monthly) |
$363 ($182–$636) |
| Tutoring (Per Hour) |
$45 ($23–$91) |
| SAT/ACT Prep Course |
$908 ($363–$2,270) |
| Private School (K-12, Annual) |
$11,350 ($4,540–$27,240) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$91) |
| Dog Vaccination (Annual) |
$91 ($45–$182) |
| Dog Grooming |
$54 ($27–$91) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$272 ($136–$454) |
| Cat Spay/Neuter |
$182 ($91–$363) |
View all 9 services
Frequently Asked Questions About Troy
What is the population of Troy?
Troy has a population of 13,467 residents and is located in Missouri. The population density is 1,744 people per square mile, spread across 7.4 square miles. The median age of residents is 34.8 years, which is younger than the national median of 38.9 years. The population is 50.3% female and 49.7% male.
Is Troy expensive to live in?
Troy is more affordable than the national average, with a cost of living index of 90.8 / below the baseline of 100. The median household income is $75,777, 1% above the national average of $75,149. The median home value is $212,100 (25% below the U.S. median). Renters pay a median of $1,051 per month. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Troy safe?
Troy is safer than the national average, with a violent crime rate of 255 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,447 per 100,000 (above the national average). Overall, Troy receives a safety grade of F based on combined crime data.
What is the weather like in Troy?
Troy has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 28°F in January, while summers reach an average of 78°F in July. The area receives 269 sunny days per year, well above the national average of 205. Annual rainfall totals 37.1 inches, with 6.1 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 0.9% / well below the national rate of 3.6%. The average commute time is 32 minutes, and 8.4% of workers work from home.
How much does housing cost in Troy?
The median home value in Troy is $212,100. Zillow estimates the typical home value at $306,413. For renters, the median monthly rent is $1,051. Fair market rent is $775 for a 1-bedroom and $970 for a 2-bedroom apartment. The homeownership rate is 69.4%.
How are the schools in Troy?
Schools in Troy score 5.5 out of 10 on standardized testing, near the national average. 13.1% of adults in Troy hold a bachelor's degree or higher, below the national average of 33.7%. 93.2% have completed high school. 3.5% hold a graduate or professional degree.
How healthy is Troy?
The obesity rate in Troy is 40.0% (above the national rate of 32.1%). 17.6% of adults are smokers. 28.6% are physically inactive. 25.4% of residents report depression. 9.1% lack health insurance.
What is transportation like in Troy?
The average commute in Troy is 32 minutes, longer than the national average of 28 minutes. 76.5% of workers drive alone to work, and 8.4% work from home.
What are the demographics of Troy?
The racial and ethnic makeup of Troy is 92.4% White, 1.8% Black or African American, 1.1% Hispanic or Latino. 97.1% of residents speak only English at home. 4.6% of the population are military veterans. 17.6% of residents have a disability. 94.2% have health insurance coverage.