Median Income
$52,656
30% lower than US avg
Home Value
$110,800
61% lower than US avg
Violent Crime
380/100K
0% lower than US avg
Bachelor's+
19.4%
42% lower than US avg
Median Rent
$764
34% lower than US avg
Obesity Rate
38.1%
19% higher than US avg
Unemployment
2.8%
22% lower than US avg
Poverty Rate
8.3%
33% lower than US avg
How Troy Compares to the U.S. Average (100% = U.S. avg)
People
Population1,915
Median Age36.0 yrs
Density1,419/mi²
Male / Female46% / 55%
Largest GroupWhite 98%
Veterans6.3%
Economy
B+
Median Income$52,656
Per Capita$26,131
Unemployment2.8%
Poverty8.3%
County GDP$1,688M
Commute19 min
Housing
A+
Home Value$110,800
Rent$764
Ownership70.6%
Zillow$169,199
Housing Units863
Rent Burden19.9%
Crime
F
Violent380/100K
Property987/100K
Murder0.0/100K
Assault380/100K
Burglary76/100K
Health
Obesity38.1%
Uninsured13.1%
Smoking21.3%
Depression33.2%
Heart Disease6.5%
Climate
Avg Temp58°F (14°C)
AQI40 (Good)
Rain53.8 in/yr
Sunny Days299/yr
Elevation354 ft (108 m)
Education
C+
Bachelor's+19.4%
High School+79.3%
Graduate+6.7%
School Score5.34
Community
2024 VoteR 82% / D 17%
Commute19 min
Broadband74.1%
EV Stations4
Libraries1
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, a low poverty rate. Areas to be aware of include a high uninsured rate, 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 $52,656, 30% below the national average of $75,149. The job market is very strong with unemployment at just 2.8%. 8.3% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 19 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Troy is $110,800, 61% below the national median / offering relatively affordable homeownership. Renters pay a median of $764 per month, below the national average / a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Troy is below the national average at 380 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 987 per 100,000, 50% below the national average.
Education
19.4% of residents hold a bachelor's degree, below the national average of 33.7%. 79.3% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Troy enjoys a moderate climate with an average annual temperature of 58°F. Winters average 36°F in January while summers reach 79°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 53.8 inches, including 5.8 inches of snow. Air quality is rated Good with a median AQI of 40.
Troy has a population of 1,915 with a density of 1,419 people per square mile, spread across 1.5 square miles. The median age is 36.0 years, 7% younger than the national median of 38.9. The gender split is 54.5% female and 45.5% male. The city is predominantly White (97.5%). English is the primary language spoken at home by 99.1% of residents. 6.3% of the population are veterans. 15.7% of residents have a disability (above the 13.0% national average). 89.5% have health insurance coverage.
Population
36.0yrs
Median Age
7% below US avg
Language Spoken at Home
English Only
99.1%
26% above US avg
Spanish
0.9%
93% below US avg
The median household income in Troy is $52,656, which is 30% below the national average of $75,149. Per capita income is $26,131 (below the $39,052 national figure). The average weekly wage is $922, 36% lower than the U.S. average. The unemployment rate is 2.8% (below the 3.6% US average). 8.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 751 business establishments, including 59 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 19 minutes (shorter than the 28-minute US average). 1.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $52,656 |
| 30% below US avg |
| Per Capita Income | $26,131 |
| Avg Weekly Wage | $922 |
| IRS Avg AGI | $59,211 |
| Gini Index | 0.467 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.8% |
| 22% below US avg |
| Poverty Rate | 8.3% |
| 33% below US avg |
| Establishments (County) | 751 |
| County GDP | $1,688M |
Business (County)
| Restaurants | 59 |
| Healthcare | 68 |
| Retail | 121 |
| Manufacturing | 35 |
Tax & Cost of Living
| Property Tax (IRS) | $2,654 |
| 24% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 2.40% |
Commute & Transportation
| Commute Time | 18.5 min |
| Drive Alone | 87.2% |
| Public Transit | 0.0% |
| Work from Home | 1.3% |
The median home value in Troy is $110,800, 61% below the national median of $281,900. Zillow estimates the typical home value at $169,199, higher than the Census estimate. Monthly rent averages $764 (34% below the national average of $1,163). Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 70.6% of housing units are owner-occupied. There are 863 total housing units in the city. The median year a home was built is 1981. The average annual property tax is $2,654 (lower than the $3,500 national average). 19.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $110,800 |
| 61% below US avg |
| Zillow ZHVI | $169,199 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $764 |
| 34% below US avg |
| Rent Burden | 19.9% |
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 70.6% |
| Owner-Occupied | 70.6% |
| Renter-Occupied | 29.4% |
| Housing Units | 863 |
| Median Year Built | 1981 |
Property Tax
| Avg Tax (IRS) | $2,654 |
| 24% below US avg |
| Effective Rate | 2.40% |
In Troy, 38.1% of adults are obese, above the national rate of 32.1%. 11.7% have diabetes. Heart disease affects 6.5% of residents. 35.5% have high blood pressure. 21.3% are current smokers (above the 14.0% national rate). 15.8% report binge drinking. 28.5% are physically inactive. 33.2% report depression (above the 20.0% national average). 22.5% experience frequent mental distress. 13.1% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,344. The dentist ratio is 1:1,900. 40.1% of residents have access to exercise opportunities. The food environment index is 7.4 out of 10.
Health Metrics: Troy vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.1% |
| 19% above US avg |
| Diabetes | 11.7% |
| Heart Disease | 6.5% |
| High Blood Pressure | 35.5% |
| Asthma | 11.5% |
| COPD | 9.2% |
| Cancer | 7.4% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 21.3% |
| 52% above US avg |
| Binge Drinking | 15.8% |
| Physical Inactivity | 28.5% |
| Depression | 33.2% |
| Mental Distress | 22.5% |
| Physical Distress | 16.1% |
| Short Sleep | 41.0% |
Healthcare Access
| Insurance Rate | 89.5% |
| Uninsured | 13.1% |
| 52% above US avg |
| Primary Care | 1:2,344 |
| Dentists | 1:1,900 |
| Mental Health | 1:2,027 |
| Checkup Rate | 74.6% |
| Dental Visits | 49.8% |
| Premature Death | 12,716/100K |
Food & Exercise
| Food Environment | 7.4/10 |
| Exercise Access | 40.1% |
| Healthcare Facilities | 68 |
Troy has a violent crime rate of 380 per 100,000 residents, 0% below the national average of 380. This breaks down to aggravated assault at 379.7 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 987 per 100,000, 50% below the U.S. average. This includes larceny/theft at 683, burglary at 76, vehicle theft at 228 per 100,000 residents. The county recorded 6 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 | 379.7/100K |
| 0% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 379.7/100K |
Property Crime
| Total Property | 987.1/100K |
| 50% below US avg |
| Burglary | 75.9/100K |
| Theft | 683.4/100K |
| Vehicle Theft | 227.8/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 5 |
| Avg Accident Severity | 3.6 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Troy enjoys a temperate climate with an average annual temperature of 58°F (14°C). Winters average 36°F in January while summers reach 79°F in July. The area gets 299 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 53.8 inches (wetter than the 38-inch national average). The area receives 5.8 inches of snow annually. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 354 feet.
Temperature
36°F Jan (2°C)
79°F Jul (26°C)
| Annual Average | 58.0°F |
| 7% above US avg |
| January Average | 36°F (2°C) |
| July Average | 79°F (26°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 354 ft (108 m) |
| Area | 1.5 sq mi (3.9 km²) |
| Population Density | 1,419/sq mi |
| Coordinates | 36.3419°N, 89.1582°W |
| Timezone | America/Chicago |
| County | Obion County County |
| Nearest Airport | Everett-Stewart Regional (UCY)
10 miles away |
Precipitation & Snow
Annual Rainfall
53.8"
42% above US avg
Wettest Month (May)
5.08"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 81.3 / 100 |
| Social Vulnerability | 71.3 / 100 |
| Community Resilience | 42.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
374 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.8. Most recent: M3.1 on Aug 1, 2025.
| Sep 26, 1990 |
4 km SE of Chaffee, Missouri |
M4.8 |
99 km |
| May 4, 1991 |
2 km NNW of Risco, Missouri |
M4.5 |
65 km |
| Feb 5, 1994 |
2 km WNW of Dongola, Illinois |
M4.2 |
114 km |
| May 1, 2005 |
5 km SSE of Manila, Arkansas |
M4.2 |
105 km |
| Feb 10, 2005 |
3 km NNW of Etowah, Arkansas |
M4.1 |
118 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
61 km |
| Jun 2, 2005 |
12 km S of Ridgely, Tennessee |
M4.0 |
35 km |
| Apr 30, 2003 |
1 km N of Blytheville, Arkansas |
M4.0 |
81 km |
| Feb 21, 2012 |
4 km SSE of Bertrand, Missouri |
M3.9 |
64 km |
| Nov 29, 1996 |
1 km W of Blytheville, Arkansas |
M3.8 |
84 km |
| May 16, 2024 |
6 km S of Ridgely, Tennessee |
M3.8 |
33 km |
| Sep 17, 1997 |
2 km E of Trumann, Arkansas |
M3.8 |
140 km |
| Feb 23, 2013 |
7 km SW of Trumann, Arkansas |
M3.7 |
149 km |
| Mar 2, 2010 |
2 km ENE of East Prairie, Missouri |
M3.7 |
53 km |
| Apr 24, 2019 |
12 km NNW of Dyersburg, Tennessee |
M3.7 |
34 km |
| Jan 16, 2018 |
4 km SW of Caruthersville, Missouri |
M3.6 |
51 km |
| Oct 15, 2017 |
6 km SE of Manila, Arkansas |
M3.6 |
103 km |
| Apr 2, 2015 |
1 km WNW of Cooter, Missouri |
M3.6 |
68 km |
| Jun 20, 2005 |
4 km WSW of Blandville, Kentucky |
M3.6 |
66 km |
| Mar 15, 2017 |
9 km ESE of Wyatt, Missouri |
M3.6 |
60 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
592 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 184 fatalities, 1,793 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Dec 10, 2021 |
EF4 |
16 km |
57 |
| Feb 5, 2008 |
EF4 |
78 km |
0 |
| May 4, 2003 |
EF4 |
92 km |
11 |
| Jan 17, 1999 |
EF4 |
88 km |
6 |
| Mar 1, 1997 |
EF4 |
63 km |
1 |
| Mar 1, 1997 |
EF4 |
27 km |
0 |
| May 7, 1971 |
EF4 |
45 km |
3 |
| Apr 3, 1968 |
EF4 |
83 km |
2 |
| Mar 4, 1964 |
EF4 |
75 km |
3 |
| Mar 21, 1952 |
EF4 |
29 km |
4 |
| Mar 21, 1952 |
EF4 |
36 km |
2 |
| Mar 21, 1952 |
EF4 |
68 km |
17 |
| May 26, 2024 |
EF3 |
72 km |
0 |
| Dec 10, 2021 |
EF3 |
26 km |
0 |
| May 10, 2016 |
EF3 |
59 km |
0 |
| Nov 17, 2013 |
EF3 |
91 km |
0 |
| Nov 17, 2013 |
EF3 |
88 km |
3 |
| Apr 2, 2006 |
EF3 |
21 km |
2 |
| Apr 2, 2006 |
EF3 |
32 km |
6 |
| Apr 2, 2006 |
EF3 |
41 km |
16 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1811 |
AR: NE - NEW MADRID EARTHQUAKES |
Eruption + Earthquake |
— |
— |
139 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
3 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,334 ac, 2020).
| Year |
Name |
Acres |
Distance |
| 2020 |
UNNAMED |
1,334 |
99 km |
| 2024 |
WOLF CREEK (OLIVE BR) RX |
691 |
97 km |
| 2019 |
WOLF CREEK SOUTH RX |
648 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
3.5 in |
Coldest |
| February |
39°F (4°C) |
4.1 in |
|
| March |
49°F (9°C) |
5.0 in |
|
| April |
58°F (14°C) |
4.9 in |
|
| May |
67°F (20°C) |
5.1 in |
Wettest |
| June |
75°F (24°C) |
4.5 in |
|
| July |
79°F (26°C) |
4.1 in |
Warmest |
| August |
78°F (25°C) |
3.4 in |
Driest |
| September |
71°F (22°C) |
3.5 in |
|
| October |
60°F (16°C) |
3.7 in |
|
| November |
49°F (9°C) |
4.8 in |
|
| December |
39°F (4°C) |
5.0 in |
|
Troy has a seasonal temperature swing of 43°F / from 36°F in January to 79°F in July. Total annual precipitation is 51.7 inches, with May being the wettest month (5.1") and August the driest (3.4").
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) |
$230 ($138–$368) |
| Specialist Visit |
$322 ($184–$505) |
| Urgent Care Visit |
$184 ($92–$322) |
| Emergency Room Visit |
$2,022 ($735–$4,595) |
| Dental Cleaning |
$119 ($69–$184) |
| Dental Filling |
$230 ($138–$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$69) |
| Oil Change (Synthetic) |
$69 ($46–$110) |
| Brake Pad Replacement |
$276 ($138–$460) |
| Tire Rotation |
$37 ($18–$69) |
| New Tires (Set of 4) |
$551 ($368–$919) |
| Battery Replacement |
$184 ($92–$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55–$138) |
| Electrician (Per Hour) |
$83 ($46–$129) |
| HVAC Repair |
$368 ($138–$735) |
| HVAC System Install |
$6,433 ($3,676–$11,028) |
| Roof Repair |
$919 ($368–$1,838) |
| Roof Replacement |
$8,271 ($5,055–$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460–$3,217) |
| Divorce (Contested) |
$13,785 ($4,595–$27,570) |
| DUI Defense |
$4,595 ($1,838–$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735–$2,757) |
| Will Preparation |
$460 ($184–$919) |
| Trust Preparation |
$2,298 ($919–$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$51 ($28–$92) |
| Hair Coloring (Full) |
$138 ($69–$230) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76–$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30–$4.60) |
| Loaf of Bread |
$3.49 ($2.30–$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76–$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68–$6.89) |
| Rice (per lb) |
$0.92 ($0.55–$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74–$230) |
| Natural Gas (Monthly) |
$64 ($28–$138) |
| Water/Sewer (Monthly) |
$64 ($37–$110) |
| Internet (Monthly) |
$64 ($37–$92) |
| Cell Phone Plan (Monthly) |
$60 ($28–$92) |
| Cable TV (Monthly) |
$78 ($46–$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69–$460) |
| Car Insurance (Annual) |
$1,838 ($1,103–$3,217) |
| Bus Pass (Monthly) |
$64 ($28–$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35–$23) |
| Car Registration (Annual) |
$92 ($28–$230) |
| Driver's License Renewal |
$28 ($14–$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551–$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460–$1,838) |
| After-School Care (Monthly) |
$368 ($184–$643) |
| Tutoring (Per Hour) |
$46 ($23–$92) |
| SAT/ACT Prep Course |
$919 ($368–$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595–$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28–$92) |
| Dog Vaccination (Annual) |
$92 ($46–$184) |
| Dog Grooming |
$55 ($28–$92) |
| Pet Boarding (Per Night) |
$37 ($18–$69) |
| Dog Spay/Neuter |
$276 ($138–$460) |
| Cat Spay/Neuter |
$184 ($92–$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Troy
What is the population of Troy?
Troy has a population of 1,915 residents and is located in Tennessee. The population density is 1,419 people per square mile, spread across 1.5 square miles. The median age of residents is 36.0 years, which is younger than the national median of 38.9 years. The population is 54.5% female and 45.5% male.
Is Troy expensive to live in?
Troy is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $52,656, 30% below the national average of $75,149. The median home value is $110,800 (61% below the U.S. median). Renters pay a median of $764 per month, below the national average of $1,163. The home price-to-income ratio is 2.1x, 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 380 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 987 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 58°F (14°C). Winter temperatures average 36°F in January, while summers reach an average of 79°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 53.8 inches, with 5.8 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 2.8% / well below the national rate of 3.6%. The average weekly wage is $922. There are 751 business establishments in the area, including 59 restaurants and food service locations. The average commute time is 19 minutes, and 1.3% of workers work from home.
How much does housing cost in Troy?
The median home value in Troy is $110,800. Zillow estimates the typical home value at $169,199. For renters, the median monthly rent is $764. Fair market rent is $924 for a 1-bedroom and $1,118 for a 2-bedroom apartment. The homeownership rate is 70.6%. The average annual property tax is $2,654.
How are the schools in Troy?
Schools in Troy score 5.3 out of 10 on standardized testing, near the national average. 19.4% of adults in Troy hold a bachelor's degree or higher, below the national average of 33.7%. 79.3% have completed high school. 6.7% hold a graduate or professional degree.
How healthy is Troy?
The obesity rate in Troy is 38.1% (above the national rate of 32.1%). 21.3% of adults are smokers. 28.5% are physically inactive. 33.2% of residents report depression. 13.1% lack health insurance (above the national rate). 40.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,344.
What is transportation like in Troy?
The average commute in Troy is 19 minutes, shorter than the national average of 28 minutes. 87.2% of workers drive alone to work, and 1.3% work from home.
What are the demographics of Troy?
The racial and ethnic makeup of Troy is 97.5% White. 99.1% of residents speak only English at home. 6.3% of the population are military veterans. 15.7% of residents have a disability. 89.5% have health insurance coverage.
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