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Troy, MO

Missouri

Troy is a small city in Missouri with a population of 13,467. Residents earn $75,777 per year, which is 1% above the national average.

3.1 /5.0
B Good
13,467 Population 1,744/sq mi density
$75,777 Median Income $30,667 per capita
$212,100 Home Value $306,413 Zillow
$1,051 Median Rent 28.1% income on rent
54°F Avg Temperature 269 sunny days/yr
255 Violent Crime/100K 2,447 property/100K
B
Overall
3.1 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
4.5 / 5.0
$75,777 median income, 0.9% unemployment
A+
Affordability
5.0 / 5.0
$212,100 home value, $1,051/mo rent
F
Safety
1.0 / 5.0
255 violent crimes/100K (33% below avg)
C
Education
2.0 / 5.0
13.1% bachelor's degree or higher
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
OwnershipN/A
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 7.7 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

13,467
Total Population
1,744
People / sq mi
34.8yrs
Median Age
11% below US avg
7.7mi²
Land Area

Gender Distribution

Male 49.7%
Female 50.3%

Race & Ethnicity

Troy vs U.S. Average

Language Spoken at Home

English Only97.1%
24% above US avg
Spanish2.9%
78% below US avg

Social Characteristics

Troy vs U.S. Average

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: Troy vs U.S.

Commute Mode

Income

Median HH Income$75,777
1% above US avg
Per Capita Income$30,667

Employment & Poverty

Unemployment0.9%
75% below US avg
Poverty Rate6.3%
49% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time32.0 min
Drive Alone76.5%
Public Transit0.8%
Work from Home8.4%

Walkability

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. 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 Value Sources

Ownership Split

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 Sold7
Sale-to-List Ratio101.1%
Price Drops22.2%
Inventory18

Rental Costs

Census Median Rent$1,051
10% below US avg
Rent Burden28.1%

HUD Fair Market Rent

Studio$732
1 Bedroom$775
2 Bedrooms$970
3 Bedrooms$1,265
4 Bedrooms$1,457

Ownership & Property

Owner-Occupied69.4%
Housing Units5,031
Median Year Built1997

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.

Health Metrics: Troy vs U.S. Average (%)

Chronic Conditions

Obesity40.0%
25% above US avg
Diabetes10.2%
Heart Disease5.6%
High Blood Pressure32.1%
Asthma10.9%
COPD7.3%
Cancer7.4%
Stroke3.1%

Behaviors & Mental Health

Smoking17.6%
26% above US avg
Binge Drinking18.6%
Physical Inactivity28.6%
Depression25.4%
Mental Distress19.2%
Physical Distress14.1%
Short Sleep40.1%

Healthcare Access

Insurance Rate94.2%
Uninsured9.1%
6% above US avg
Checkup Rate76.1%
Dental Visits58.9%

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 Violent255.3/100K
33% below US avg
Murder0.0/100K
100% below US avg
Rape8.8/100K
Robbery0.0/100K
Assault246.5/100K

Property Crime

Total Property2,447.4/100K
25% above US avg
Burglary299.3/100K
Theft2,104.1/100K
Vehicle Theft44.0/100K
Arson0.0/100K

Traffic Safety

Safety Score

Safety GradeF
Safety Score1.0 / 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 Average54.3°F
1% above US avg
January Average28°F (-2°C)
July Average78°F (25°C)
Sunny Days269 days/yr

Precipitation & Snow

Annual Rainfall37.1 inches
3% below US avg
Snowfall6.1 inches/yr

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation554 ft (169 m)
Area7.7 sq mi (20.0 km²)
Population Density1,744/sq mi
Coordinates38.9795°N, 90.9807°W
TimezoneAmerica/Chicago

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").

13.1% of adults hold a bachelor's degree or higher, 61% below the national average of 33.7%. 93.2% have completed high school. 3.5% hold a graduate or professional degree (below the 13.1% national rate). Area schools have an average test score of 5.5 out of 10. In the 2024 presidential election, the county voted Republican with 76.6% of the vote, a 54.2-point margin. 94.6% of households have broadband internet access. The area has 2 EV charging stations. 76.5% of workers drive alone to work.

2024 Presidential Election (County)

R 76.6%
D 22.4%

Winner: Republican by 54.2 points

Education

Bachelor's Degree+13.1%
61% below US avg
High School+93.2%
Graduate Degree+3.5%
School Test Score5.51
C Education Grade (2.0/5.0)

Urban-Rural Classification

Population Density1,744/sq mi
Total Area7.7 sq mi

Infrastructure & Services

Broadband Access94.6%
EV Charging Stations2
Alt Fuel Stations3

Safety & Disasters

F Safety Grade (1.0/5.0)

Commute & Transportation

Avg Commute32.0 min
Drive Alone76.5%
Public Transit0.8%
Work from Home8.4%

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 7.7 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.

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.

Nearby Cities

Moscow Mills, MO 3,647 pop · 4.0 mi Lincoln, MO 1,795 pop · 5.7 mi Wright City, MO 5,025 pop · 10.7 mi Winfield, MO 1,726 pop · 13.1 mi Wentzville, MO 45,734 pop · 13.5 mi Warrenton, MO 8,870 pop · 14.5 mi Lake St. Louis, MO 17,538 pop · 16.8 mi Elsberry, MO 2,010 pop · 16.8 mi O'Fallon, MO 92,697 pop · 19.1 mi Dardenne Prairie, MO 13,137 pop · 19.8 mi Cottleville, MO 5,750 pop · 23.9 mi Weldon Spring, MO 5,291 pop · 24.2 mi Marthasville, MO 2,587 pop · 24.6 mi Bowling Green, MO 4,130 pop · 27.6 mi
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