Median Income
$89,313
19% higher than US avg
Home Value
$178,900
37% lower than US avg
Violent Crime
222/100K
42% lower than US avg
Bachelor's+
6.3%
81% lower than US avg
Obesity Rate
31.4%
2% lower than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
5.4%
56% lower than US avg
How Troy Compares to the U.S. Average (100% = U.S. avg)
People
Population193
Median Age66.2 yrs
Density210/mi²
Male / Female51% / 49%
Largest GroupWhite 97%
Veterans10.7%
Economy
A+
Median Income$89,313
Per Capita$41,466
Unemployment0.0%
Poverty5.4%
County GDP$1,563M
Commute20 min
Housing
A+
Home Value$178,900
Ownership100.0%
Zillow$300,354
Housing Units74
Rent Burden28.1%
Crime
F
Violent222/100K
Property2,619/100K
Health
Obesity31.4%
Uninsured6.7%
Smoking13.3%
Depression26.0%
Heart Disease5.1%
Climate
Avg Temp42°F (5°C)
AQI31 (Good)
Rain43.8 in/yr
Sunny Days251/yr
Elevation772 ft (235 m)
Education
D
Bachelor's+6.3%
High School+92.5%
Graduate+0.0%
School Score5.95
Community
2024 VoteR 49% / D 48%
Commute20 min
Broadband91.0%
EV Stations1
Libraries14
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 above-average household incomes, low unemployment, low crime rates, affordable housing. 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 $89,313, 19% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.0%. Only 5.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Troy is $178,900, 37% below the national median / offering relatively affordable homeownership. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Troy is below the national average at 222 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,619 per 100,000, 34% above the national average.
Education
6.3% of residents hold a bachelor's degree, below the national average of 33.7%. 92.5% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Troy has a cool climate with an average annual temperature of 42°F. Winters average 14°F in January while summers reach 67°F in July. With 251 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 43.8 inches, including 98.6 inches of snow. Air quality is rated Good with a median AQI of 31.
Troy has a population of 193 with a density of 210 people per square mile, spread across 0.9 square miles. The median age is 66.2 years, 70% older than the national median of 38.9. The gender split is 49.2% female and 50.8% male. The city is predominantly White (97.4%), with 2.6% Hispanic. English is the primary language spoken at home by 73.8% of residents, while 26.2% speak Spanish. 10.7% of the population are veterans, above the national rate of 6.0%. 16.1% of residents have a disability (above the 13.0% national average). 94.9% have health insurance coverage.
Population
66.2yrs
Median Age
70% above US avg
Language Spoken at Home
English Only
73.8%
6% below US avg
Spanish
26.2%
96% above US avg
The median household income in Troy is $89,313, which is 19% above the national average of $75,149. Per capita income is $41,466. The average weekly wage is $988, 31% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 5.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,102 business establishments, including 62 restaurants. The cost of living index is 98, roughly in line with the national average. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $89,313 |
| 19% above US avg |
| Per Capita Income | $41,466 |
| Avg Weekly Wage | $988 |
| IRS Avg AGI | $58,823 |
| Gini Index | 0.418 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 5.4% |
| 56% below US avg |
| Establishments (County) | 1,102 |
| County GDP | $1,563M |
Business (County)
| Restaurants | 62 |
| Healthcare | 81 |
| Retail | 116 |
| Manufacturing | 34 |
Tax & Cost of Living
| Property Tax (IRS) | $6,963 |
| 99% above US avg |
| Cost of Living | 98.00 (100=avg) |
| Effective Tax Rate | 3.89% |
Commute & Transportation
| Commute Time | 20.1 min |
| Drive Alone | 94.6% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Troy is $178,900, 37% below the national median of $281,900. Zillow estimates the typical home value at $300,354, higher than the Census estimate. Fair market rent ranges from $1,203 for a one-bedroom to $1,487 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 74 total housing units in the city. The median year a home was built is 1974. The average annual property tax is $6,963 (higher than the $3,500 national average). 28.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $178,900 |
| 37% below US avg |
| Zillow ZHVI | $300,354 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $1,124 |
| 1 Bedroom | $1,203 |
| 2 Bedrooms | $1,487 |
| 3 Bedrooms | $1,922 |
| 4 Bedrooms | $2,111 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 74 |
| Median Year Built | 1974 |
Property Tax
| Avg Tax (IRS) | $6,963 |
| 99% above US avg |
| Effective Rate | 3.89% |
In Troy, 31.4% of adults are obese, below the national rate of 32.1%. 7.4% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 28.2% have high blood pressure. 13.3% are current smokers. 19.1% report binge drinking. 19.9% are physically inactive, below the national average. 26.0% report depression (above the 20.0% national average). 18.4% experience frequent mental distress. 6.7% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,377. The dentist ratio is 1:1,844. 48.0% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Troy vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.4% |
| 2% below US avg |
| Diabetes | 7.4% |
| Heart Disease | 5.1% |
| High Blood Pressure | 28.2% |
| Asthma | 11.4% |
| COPD | 5.9% |
| Cancer | 7.5% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 13.3% |
| 5% below US avg |
| Binge Drinking | 19.1% |
| Physical Inactivity | 19.9% |
| Depression | 26.0% |
| Mental Distress | 18.4% |
| Physical Distress | 12.4% |
| Short Sleep | 35.5% |
Healthcare Access
| Insurance Rate | 94.9% |
| Uninsured | 6.7% |
| 22% below US avg |
| Primary Care | 1:1,377 |
| Dentists | 1:1,844 |
| Mental Health | 1:313 |
| Checkup Rate | 74.8% |
| Dental Visits | 66.4% |
| Premature Death | 8,961/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 48.0% |
| Healthcare Facilities | 81 |
Troy has a violent crime rate of 222 per 100,000 residents, 42% below the national average of 380. Property crime stands at 2,619 per 100,000, 34% above the U.S. average. The county recorded 7 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Troy receives a safety grade of F.
Crime Rates: Troy vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 222.0/100K |
| 42% below US avg |
| |
Property Crime
| Total Property | 2,619.3/100K |
| 34% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Troy has a cool climate with an average annual temperature of 42°F (5°C). Winters average 14°F in January while summers reach 67°F in July. The area gets 251 sunny days per year, above the national average. Annual precipitation totals 43.8 inches. The area receives 98.6 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 31. The city sits at an elevation of 772 feet.
Temperature
14°F Jan (-10°C)
67°F Jul (20°C)
| Annual Average | 41.8°F |
| 23% below US avg |
| January Average | 14°F (-10°C) |
| July Average | 67°F (20°C) |
| Sunny Days | 251 days/yr |
Geography
| Elevation | 772 ft (235 m) |
| Area | 0.9 sq mi (2.4 km²) |
| Population Density | 210/sq mi |
| Coordinates | 44.9111°N, 72.4016°W |
| Timezone | America/New_York |
| County | Orleans County County |
| Nearest Airport | Northeast Kingdom International (EFK)
9 miles away |
Precipitation & Snow
Annual Rainfall
43.8"
15% above US avg
Wettest Month (Aug)
5.04"
Air Quality
| AQI Median | 31.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 36.8 / 100 |
| Social Vulnerability | 37.7 / 100 |
| Community Resilience | 79.8 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| 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
61 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.3. Most recent: M3.8 on Sep 1, 2024.
| Apr 20, 2002 |
8 km NNW of Au Sable Forks, New York |
M5.3 |
112 km |
| Oct 10, 2012 |
7 km ESE of Verchères, Canada |
M3.9 |
116 km |
| Jul 30, 1993 |
1 km NE of Salaberry-de-Valleyfield, Canada |
M3.9 |
140 km |
| Jun 16, 1995 |
8 km N of Lisbon, New Hampshire |
M3.8 |
80 km |
| Jul 5, 1991 |
7 km WSW of Sainte-Martine, Canada |
M3.8 |
123 km |
| Oct 6, 2000 |
1 km WSW of Ormstown, Canada |
M3.8 |
130 km |
| Sep 1, 2024 |
5 km SE of Pierreville, Canada |
M3.8 |
129 km |
| Aug 21, 1996 |
12 km N of Livermore, New Hampshire |
M3.8 |
116 km |
| Nov 16, 1993 |
5 km SSE of Saint-Édouard, Canada |
M3.8 |
91 km |
| Jan 9, 2006 |
2 km ESE of Franklin, Canada |
M3.7 |
117 km |
| Apr 20, 2002 |
5 km NNW of Au Sable Forks, New York |
M3.7 |
112 km |
| Apr 3, 1997 |
9 km ENE of Saint-Cyrille-de-Wendover, Canada |
M3.5 |
119 km |
| Jan 13, 2020 |
5 km SW of Franklin, Canada |
M3.4 |
123 km |
| Jun 9, 1998 |
3 km N of Dannemora, New York |
M3.3 |
106 km |
| Aug 20, 1995 |
4 km S of Chambly, Canada |
M3.3 |
88 km |
| May 17, 2021 |
5 km SW of L'Épiphanie, Canada |
M3.3 |
133 km |
| Jun 1, 2002 |
3 km SW of Boisbriand, Canada |
M3.2 |
137 km |
| May 24, 2002 |
6 km N of Au Sable Forks, New York |
M3.1 |
110 km |
| Feb 1, 2024 |
6 km WNW of Huntingdon, Canada |
M3.1 |
147 km |
| Sep 21, 1995 |
3 km W of Huntingdon, Canada |
M3.1 |
143 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Bob (1991, Cat 1).
| Year |
Name |
Category |
Closest |
| 1991 |
Bob |
Category 1 |
299 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
37 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 8 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 8, 1983 |
EF2 |
73 km |
0 |
| Aug 3, 1970 |
EF2 |
64 km |
0 |
| Jul 4, 1963 |
EF2 |
63 km |
0 |
| May 20, 1962 |
EF2 |
34 km |
0 |
| Jun 13, 1961 |
EF2 |
55 km |
0 |
| Jun 24, 1960 |
EF2 |
50 km |
0 |
| Jun 18, 1957 |
EF2 |
38 km |
0 |
| Jun 5, 2010 |
EF1 |
32 km |
0 |
| May 9, 2009 |
EF1 |
89 km |
0 |
| Jul 18, 2008 |
EF1 |
41 km |
0 |
| Sep 3, 1993 |
EF1 |
31 km |
0 |
| Aug 6, 1989 |
EF1 |
29 km |
0 |
| May 19, 1982 |
EF1 |
84 km |
0 |
| Jun 22, 1973 |
EF1 |
82 km |
0 |
| Jun 11, 1973 |
EF1 |
65 km |
0 |
| Jul 19, 1972 |
EF1 |
38 km |
0 |
| Jul 13, 1966 |
EF1 |
82 km |
0 |
| May 20, 1962 |
EF1 |
18 km |
0 |
| May 20, 1962 |
EF1 |
1 km |
0 |
| Jul 18, 1961 |
EF1 |
56 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: FLAT ROCK FIRE (658 ac, 2018).
| Year |
Name |
Acres |
Distance |
| 2018 |
FLAT ROCK FIRE |
658 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
14°F (-10°C) |
3.3 in |
Coldest |
| February |
16°F (-9°C) |
2.8 in |
Driest |
| March |
26°F (-3°C) |
3.4 in |
|
| April |
39°F (4°C) |
3.5 in |
|
| May |
53°F (11°C) |
4.1 in |
|
| June |
61°F (16°C) |
4.5 in |
|
| July |
67°F (20°C) |
4.8 in |
Warmest |
| August |
64°F (18°C) |
5.0 in |
Wettest |
| September |
56°F (13°C) |
4.2 in |
|
| October |
45°F (7°C) |
4.1 in |
|
| November |
33°F (1°C) |
4.3 in |
|
| December |
20°F (-7°C) |
4.0 in |
|
Troy has a seasonal temperature swing of 54°F / from 14°F in January to 67°F in July. Total annual precipitation is 48.0 inches, with August being the wettest month (5.0") and February the driest (2.8").
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) |
$245 ($147–$392) |
| Specialist Visit |
$343 ($196–$539) |
| Urgent Care Visit |
$196 ($98–$343) |
| Emergency Room Visit |
$2,156 ($784–$4,900) |
| Dental Cleaning |
$127 ($74–$196) |
| Dental Filling |
$245 ($147–$392) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$294 ($147–$490) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$588 ($392–$980) |
| Battery Replacement |
$196 ($98–$343) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$98 ($59–$147) |
| Electrician (Per Hour) |
$88 ($49–$137) |
| HVAC Repair |
$392 ($147–$784) |
| HVAC System Install |
$6,860 ($3,920–$11,760) |
| Roof Repair |
$980 ($392–$1,960) |
| Roof Replacement |
$8,820 ($5,390–$14,700) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,470 ($490–$3,430) |
| Divorce (Contested) |
$14,700 ($4,900–$29,400) |
| DUI Defense |
$4,900 ($1,960–$9,800) |
| Bankruptcy (Chapter 7) |
$1,470 ($784–$2,940) |
| Will Preparation |
$490 ($196–$980) |
| Trust Preparation |
$2,450 ($980–$4,900) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($29–$98) |
| Hair Coloring (Full) |
$147 ($74–$245) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$78 ($49–$127) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.02 ($2.94–$5.39) |
| Dozen Eggs (per dozen) |
$3.43 ($2.45–$4.90) |
| Loaf of Bread |
$3.72 ($2.45–$5.39) |
| Chicken Breast (per lb) |
$4.41 ($2.94–$6.37) |
| Ground Beef (per lb) |
$5.39 ($3.92–$7.35) |
| Rice (per lb) |
$0.98 ($0.59–$1.76) |
View all 20 services
Utilities
| Electricity (Monthly) |
$137 ($78–$245) |
| Natural Gas (Monthly) |
$69 ($29–$147) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$98) |
| Cell Phone Plan (Monthly) |
$64 ($29–$98) |
| Cable TV (Monthly) |
$83 ($49–$147) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$196 ($74–$490) |
| Car Insurance (Annual) |
$1,960 ($1,176–$3,430) |
| Bus Pass (Monthly) |
$69 ($29–$127) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.84–$25) |
| Car Registration (Annual) |
$98 ($29–$245) |
| Driver's License Renewal |
$29 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,176 ($588–$2,450) |
| Daycare (Toddler, Monthly) |
$980 ($490–$1,960) |
| After-School Care (Monthly) |
$392 ($196–$686) |
| Tutoring (Per Hour) |
$49 ($25–$98) |
| SAT/ACT Prep Course |
$980 ($392–$2,450) |
| Private School (K-12, Annual) |
$12,250 ($4,900–$29,400) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($29–$98) |
| Dog Vaccination (Annual) |
$98 ($49–$196) |
| Dog Grooming |
$59 ($29–$98) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$294 ($147–$490) |
| Cat Spay/Neuter |
$196 ($98–$392) |
View all 9 services
Frequently Asked Questions About Troy
What is the population of Troy?
Troy has a population of 193 residents and is located in Vermont. The population density is 210 people per square mile, spread across 0.9 square miles. The median age of residents is 66.2 years, which is older than the national median of 38.9 years. The population is 49.2% female and 50.8% male.
Is Troy expensive to live in?
Troy has a cost of living roughly in line with the national average, with an index of 98 (baseline: 100). The median household income is $89,313, 19% above the national average of $75,149. The median home value is $178,900 (37% below the U.S. median). The home price-to-income ratio is 2x, 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 222 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,619 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 cool climate with an average annual temperature of 42°F (5°C). Winter temperatures average 14°F in January, while summers reach an average of 67°F in July. The area receives 251 sunny days per year, well above the national average of 205. Annual rainfall totals 43.8 inches, with 98.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 31.
How is the job market in Troy?
The job market in Troy is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $988. There are 1,102 business establishments in the area, including 62 restaurants and food service locations. The average commute time is 20 minutes, and 0.0% of workers work from home.
How much does housing cost in Troy?
The median home value in Troy is $178,900. Zillow estimates the typical home value at $300,354. The homeownership rate is 100.0%. The average annual property tax is $6,963.
How are the schools in Troy?
Schools in Troy score 5.9 out of 10 on standardized testing, near the national average. 6.3% of adults in Troy hold a bachelor's degree or higher, below the national average of 33.7%. 92.5% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Troy?
The obesity rate in Troy is 31.4% (below the national rate of 32.1%). 13.3% of adults are smokers. 19.9% are physically inactive. 26.0% of residents report depression. 6.7% lack health insurance (below the national rate). 48.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,377.
What is transportation like in Troy?
The average commute in Troy is 20 minutes, shorter than the national average of 28 minutes. 94.6% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Troy?
The racial and ethnic makeup of Troy is 97.4% White, 2.6% Hispanic or Latino. 73.8% of residents speak only English at home, while 26.2% speak Spanish. 10.7% of the population are military veterans. 16.1% of residents have a disability. 94.9% have health insurance coverage.
All Countries
