Median Income
$49,583
34% lower than US avg
Home Value
$148,600
47% lower than US avg
Violent Crime
538/100K
42% higher than US avg
Bachelor's+
22.1%
34% lower than US avg
Median Rent
$633
46% lower than US avg
Obesity Rate
36.2%
13% higher than US avg
Unemployment
0.2%
94% lower than US avg
Poverty Rate
13.4%
8% higher than US avg
How Troy Compares to the U.S. Average (100% = U.S. avg)
People
Population1,373
Median Age45.1 yrs
Density1,738/mi²
Male / Female43% / 57%
Largest GroupWhite 86%
Veterans7.3%
Economy
B+
Median Income$49,583
Per Capita$30,413
Unemployment0.2%
Poverty13.4%
County GDP$6,798M
Commute31 min
Housing
A+
Home Value$148,600
Rent$633
Ownership58.6%
Zillow$236,096
Housing Units648
Rent Burden29.7%
Crime
F
Violent538/100K
Property2,229/100K
Murder0.0/100K
Assault538/100K
Burglary461/100K
Climate
Avg Temp47°F (8°C)
AQI40 (Good)
Rain41.2 in/yr
Sunny Days275/yr
Elevation1,156 ft (352 m)
Education
C+
Bachelor's+22.1%
High School+86.9%
Graduate+8.7%
School Score5.57
Community
2024 VoteR 74% / D 26%
Commute31 min
Broadband84.0%
EV Stations1
Libraries10
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, affordable housing, abundant sunshine. Areas to be aware of include elevated crime rates, 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 $49,583, 34% below the national average of $75,149. The job market is very strong with unemployment at just 0.2%. 13.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Troy is $148,600, 47% below the national median / offering relatively affordable homeownership. Renters pay a median of $633 per month, below the national average / a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 538 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 2,229 per 100,000, near the national average.
Education
22.1% of residents hold a bachelor's degree, below the national average of 33.7%. 86.9% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Troy experiences four distinct seasons with an average temperature of 47°F. Winters average 24°F in January while summers reach 69°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.2 inches, including 42.1 inches of snow. Air quality is rated Good with a median AQI of 40.
Troy has a population of 1,373 with a density of 1,738 people per square mile, spread across 0.3 square miles. The median age is 45.1 years, 16% older than the national median of 38.9. The gender split is 57% female and 43% male. The city is predominantly White (85.9%), with 2.2% Black. English is the primary language spoken at home by 86.9% of residents, while 13.1% speak Spanish. 7.3% of the population are veterans, above the national rate of 6.0%. 17.9% of residents have a disability (above the 13.0% national average). 87.9% have health insurance coverage.
Population
45.1yrs
Median Age
16% above US avg
Language Spoken at Home
English Only
86.9%
11% above US avg
Spanish
13.1%
2% below US avg
The median household income in Troy is $49,583, which is 34% below the national average of $75,149. Per capita income is $30,413 (below the $39,052 national figure). The average weekly wage is $1,156, 19% lower than the U.S. average. The unemployment rate is 0.2% (below the 3.6% US average). 13.4% of residents live below the poverty line. The area has 1,525 business establishments, including 116 restaurants. The cost of living index is 97.6, roughly in line with the national average. Workers commute an average of 31 minutes. 4.2% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $49,583 |
| 34% below US avg |
| Per Capita Income | $30,413 |
| Avg Weekly Wage | $1,156 |
| IRS Avg AGI | $73,160 |
| Gini Index | 0.425 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.2% |
| 94% below US avg |
| Poverty Rate | 13.4% |
| 8% above US avg |
| Establishments (County) | 1,525 |
| County GDP | $6,798M |
Business (County)
| Restaurants | 116 |
| Healthcare | 150 |
| Retail | 235 |
| Manufacturing | 54 |
Tax & Cost of Living
| Property Tax (IRS) | $4,894 |
| 40% above US avg |
| Cost of Living | 97.60 (100=avg) |
| Effective Tax Rate | 3.29% |
Commute & Transportation
| Commute Time | 30.8 min |
| Drive Alone | 61.7% |
| Public Transit | 0.0% |
| Work from Home | 4.2% |
The median home value in Troy is $148,600, 47% below the national median of $281,900. Zillow estimates the typical home value at $236,096, higher than the Census estimate. Monthly rent averages $633 (46% below the national average of $1,163). Fair market rent ranges from $996 for a one-bedroom to $1,225 for a two-bedroom apartment. 58.6% of housing units are owner-occupied. There are 648 total housing units in the city. The median year a home was built is 1955. The average annual property tax is $4,894 (higher than the $3,500 national average). 29.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $148,600 |
| 47% below US avg |
| Zillow ZHVI | $236,096 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $633 |
| 46% below US avg |
| Rent Burden | 29.7% |
HUD Fair Market Rent
| Studio | $900 |
| 1 Bedroom | $996 |
| 2 Bedrooms | $1,225 |
| 3 Bedrooms | $1,570 |
| 4 Bedrooms | $1,744 |
Ownership & Property
| Homeownership | 58.6% |
| Owner-Occupied | 58.6% |
| Renter-Occupied | 41.4% |
| Housing Units | 648 |
| Median Year Built | 1955 |
Property Tax
| Avg Tax (IRS) | $4,894 |
| 40% above US avg |
| Effective Rate | 3.29% |
In Troy, 36.2% of adults are obese, above the national rate of 32.1%. The primary care physician ratio is 1:982. The dentist ratio is 1:1,814. 61.9% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Troy vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.2% |
| 13% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 87.9% |
| |
| Primary Care | 1:982 |
| Dentists | 1:1,814 |
| Mental Health | 1:979 |
| Dental Visits | 58.2% |
| Premature Death | 7,655/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 61.9% |
| Healthcare Facilities | 150 |
Troy has a violent crime rate of 538 per 100,000 residents, 42% above the national average of 380. This breaks down to aggravated assault at 538.1 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,229 per 100,000, 14% above the U.S. average. This includes larceny/theft at 1,768, burglary at 461, vehicle theft at 0 per 100,000 residents. The county recorded 8 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 | 538.1/100K |
| 42% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 538.1/100K |
Property Crime
| Total Property | 2,229.1/100K |
| 14% above US avg |
| Burglary | 461.2/100K |
| Theft | 1,767.9/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Traffic Accidents | 41 |
| Avg Accident Severity | 2.5 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Troy experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 24°F in January while summers reach 69°F in July. The area gets 275 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 41.2 inches. The area receives 42.1 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 1,156 feet.
Temperature
24°F Jan (-5°C)
69°F Jul (21°C)
| Annual Average | 46.9°F |
| 13% below US avg |
| January Average | 24°F (-5°C) |
| July Average | 69°F (21°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,156 ft (352 m) |
| Area | 0.3 sq mi (0.8 km²) |
| Population Density | 1,738/sq mi |
| Coordinates | 41.7833°N, 76.7922°W |
| Timezone | America/New_York |
| County | Bradford County County |
| Nearest Airport | Elmira/Corning Regional (ELM)
29 miles away |
Precipitation & Snow
Annual Rainfall
41.2"
8% above US avg
Wettest Month (Jun)
4.06"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0418 ppm |
| PM2.5 (Fine Particles) | 7.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 73.1 / 100 |
| Social Vulnerability | 37.8 / 100 |
| Community Resilience | 67.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.2. Most recent: M2.8 on Jun 10, 2025.
| Feb 3, 2001 |
6 km W of Bath, New York |
M3.2 |
80 km |
| Jun 10, 2025 |
10 km NW of Forksville, Pennsylvania |
M2.8 |
27 km |
| Jan 25, 1999 |
New York |
M2.5 |
137 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
182 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 11 fatalities, 141 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 21, 2003 |
EF3 |
96 km |
0 |
| Jun 2, 1998 |
EF3 |
64 km |
2 |
| May 31, 1998 |
EF3 |
62 km |
0 |
| May 31, 1985 |
EF3 |
73 km |
6 |
| May 2, 1983 |
EF3 |
32 km |
0 |
| May 2, 1983 |
EF3 |
29 km |
0 |
| Jul 29, 1976 |
EF3 |
76 km |
0 |
| Aug 30, 1955 |
EF3 |
62 km |
0 |
| Apr 14, 2019 |
EF2 |
74 km |
0 |
| Oct 2, 2018 |
EF2 |
42 km |
0 |
| Jun 13, 2018 |
EF2 |
11 km |
0 |
| Jun 13, 2018 |
EF2 |
99 km |
0 |
| Jul 8, 2014 |
EF2 |
37 km |
0 |
| Apr 27, 2011 |
EF2 |
45 km |
0 |
| Dec 1, 2006 |
EF2 |
98 km |
0 |
| Aug 28, 1990 |
EF2 |
80 km |
0 |
| Aug 28, 1988 |
EF2 |
65 km |
0 |
| Jul 6, 1984 |
EF2 |
77 km |
0 |
| May 2, 1983 |
EF2 |
57 km |
0 |
| Apr 17, 1982 |
EF2 |
73 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
3 wildfires (100+ acres) within 100 km.
Largest: BULL RUN (2,003 ac, 2008).
| Year |
Name |
Acres |
Distance |
| 2008 |
BULL RUN |
2,003 |
59 km |
| 2009 |
WOODRUFF |
757 |
58 km |
| 2006 |
OKOME ROAD |
573 |
66 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-5°C) |
2.1 in |
Coldest, Driest |
| February |
25°F (-4°C) |
2.2 in |
|
| March |
34°F (1°C) |
2.6 in |
|
| April |
45°F (7°C) |
3.0 in |
|
| May |
56°F (13°C) |
3.5 in |
|
| June |
64°F (18°C) |
4.1 in |
Wettest |
| July |
69°F (21°C) |
3.4 in |
Warmest |
| August |
67°F (20°C) |
3.1 in |
|
| September |
60°F (16°C) |
3.3 in |
|
| October |
49°F (9°C) |
2.8 in |
|
| November |
39°F (4°C) |
3.2 in |
|
| December |
28°F (-2°C) |
2.6 in |
|
Troy has a seasonal temperature swing of 45°F / from 24°F in January to 69°F in July. Total annual precipitation is 35.7 inches, with June being the wettest month (4.1") and January the driest (2.1").
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) |
$244 ($146–$390) |
| Specialist Visit |
$342 ($195–$537) |
| Urgent Care Visit |
$195 ($98–$342) |
| Emergency Room Visit |
$2,147 ($781–$4,880) |
| Dental Cleaning |
$127 ($73–$195) |
| Dental Filling |
$244 ($146–$390) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$293 ($146–$488) |
| Tire Rotation |
$39 ($20–$73) |
| New Tires (Set of 4) |
$586 ($390–$976) |
| Battery Replacement |
$195 ($98–$342) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$98 ($59–$146) |
| Electrician (Per Hour) |
$88 ($49–$137) |
| HVAC Repair |
$390 ($146–$781) |
| HVAC System Install |
$6,832 ($3,904–$11,712) |
| Roof Repair |
$976 ($390–$1,952) |
| Roof Replacement |
$8,784 ($5,368–$14,640) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,464 ($488–$3,416) |
| Divorce (Contested) |
$14,640 ($4,880–$29,280) |
| DUI Defense |
$4,880 ($1,952–$9,760) |
| Bankruptcy (Chapter 7) |
$1,464 ($781–$2,928) |
| Will Preparation |
$488 ($195–$976) |
| Trust Preparation |
$2,440 ($976–$4,880) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$54 ($29–$98) |
| Hair Coloring (Full) |
$146 ($73–$244) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$127) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.00 ($2.93–$5.37) |
| Dozen Eggs (per dozen) |
$3.42 ($2.44–$4.88) |
| Loaf of Bread |
$3.71 ($2.44–$5.37) |
| Chicken Breast (per lb) |
$4.39 ($2.93–$6.34) |
| Ground Beef (per lb) |
$5.37 ($3.90–$7.32) |
| Rice (per lb) |
$0.98 ($0.59–$1.76) |
View all 20 services
Utilities
| Electricity (Monthly) |
$137 ($78–$244) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$98) |
| Cell Phone Plan (Monthly) |
$63 ($29–$98) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$195 ($73–$488) |
| Car Insurance (Annual) |
$1,952 ($1,171–$3,416) |
| Bus Pass (Monthly) |
$68 ($29–$127) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.81–$24) |
| Car Registration (Annual) |
$98 ($29–$244) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,171 ($586–$2,440) |
| Daycare (Toddler, Monthly) |
$976 ($488–$1,952) |
| After-School Care (Monthly) |
$390 ($195–$683) |
| Tutoring (Per Hour) |
$49 ($24–$98) |
| SAT/ACT Prep Course |
$976 ($390–$2,440) |
| Private School (K-12, Annual) |
$12,200 ($4,880–$29,280) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($29–$98) |
| Dog Vaccination (Annual) |
$98 ($49–$195) |
| Dog Grooming |
$59 ($29–$98) |
| Pet Boarding (Per Night) |
$39 ($20–$73) |
| Dog Spay/Neuter |
$293 ($146–$488) |
| Cat Spay/Neuter |
$195 ($98–$390) |
View all 9 services
Frequently Asked Questions About Troy
What is the population of Troy?
Troy has a population of 1,373 residents and is located in Pennsylvania. The population density is 1,738 people per square mile, spread across 0.3 square miles. The median age of residents is 45.1 years, which is older than the national median of 38.9 years. The population is 57% female and 43% male.
Is Troy expensive to live in?
Troy has a cost of living roughly in line with the national average, with an index of 97.6 (baseline: 100). The median household income is $49,583, 34% below the national average of $75,149. The median home value is $148,600 (47% below the U.S. median). Renters pay a median of $633 per month, below the national average of $1,163. The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
Is Troy safe?
The violent crime rate in Troy is 538 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 2,229 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 47°F (8°C). Winter temperatures average 24°F in January, while summers reach an average of 69°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 41.2 inches, with 42.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Troy?
The job market in Troy is very strong, with unemployment at just 0.2% / well below the national rate of 3.6%. The average weekly wage is $1,156. There are 1,525 business establishments in the area, including 116 restaurants and food service locations. The average commute time is 31 minutes, and 4.2% of workers work from home.
How much does housing cost in Troy?
The median home value in Troy is $148,600. Zillow estimates the typical home value at $236,096. For renters, the median monthly rent is $633. Fair market rent is $996 for a 1-bedroom and $1,225 for a 2-bedroom apartment. The homeownership rate is 58.6%. The average annual property tax is $4,894.
How are the schools in Troy?
Schools in Troy score 5.6 out of 10 on standardized testing, near the national average. 22.1% of adults in Troy hold a bachelor's degree or higher, below the national average of 33.7%. 86.9% have completed high school. 8.7% hold a graduate or professional degree.
How healthy is Troy?
The obesity rate in Troy is 36.2% (above the national rate of 32.1%). 61.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:982.
What is transportation like in Troy?
The average commute in Troy is 31 minutes, longer than the national average of 28 minutes. 61.7% of workers drive alone to work, and 4.2% work from home.
What are the demographics of Troy?
The racial and ethnic makeup of Troy is 85.9% White, 2.2% Black or African American. 86.9% of residents speak only English at home, while 13.1% speak Spanish. 7.3% of the population are military veterans. 17.9% of residents have a disability. 87.9% have health insurance coverage.
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