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Living in
Troy.
About
Life in Troy
Troy is a community of 13,467 people in Missouri. The median household income is $79,012, median rent runs about $1,033 per month, and median home values are around $226,500. Unemployment is low at 3.9%, suggesting a relatively healthy local job market.
Troy at a Glance
Population, income, housing and more
Median Age
35.2 yrs
Poverty Rate
13.6%
Foreign-Born
1.6%
Broadband Internet
94.6%
of households
Population Growth
+19.7%
recent change · Census Bureau
Median household income
Demographics1.6% foreign-born, most often from Honduras
Who lives in Troy: race and ethnicity, ages, households, languages and countries of origin
In Troy, the largest foreign-born group is from Honduras (23.9%), and 2.7% of residents speak Spanish at home.
Under 18
27.4%
of residents
65 and Older
14.7%
of residents
Households with Kids
38.6%
anyone under 18
Living Alone
23.4%
of households
Married Couples
51.8%
of households
Avg Household Size
2.63
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent about average for MO
Rent, home values, and income in Troy
Rent and home values here are close to the MO average.
Median rent (per month)
Median home value
Rent Burdened
42.7%
spending 30%+ of income on rent
Severely Rent Burdened
29.5%
spending 50%+
Cost of Living Index
95.1
metro area (BEA) · US avg = 100
Median Property Tax
$1,676
per year, owner-occupied homes
Homeowners
69.9%
of occupied homes are owned
Typical Home Built
2000
median year built
Vacant Homes
0.9%
of housing units
Home Value Trend
Latest: $319,265 (September 2026)
Jobs & Economyunemployment about average for MO
Unemployment in Troy
Unemployment in Lincoln County, which includes Troy, is close to the MO average.
Unemployment rate
Troy: Lincoln County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Lincoln County (county-wide) · Annual averages
What Troy Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute29 min avg
How Troy residents get to work, and the nearest airports
In Troy, most residents drive alone to work (74%), and 53% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 36 mi
St. Louis Lambert International Airport (STL)
Medium hub7.5M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 69% below national average
Crime rates for 2025
Violent crime in Troy runs 69% below the national average.
Violent Crime Rate
102.9
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
842.1
per 100,000 residents
Below average (1,552 national, 2025)
Troy Police Department
Natural DisastersThunderstorm Wind most common — 9 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Low
67.1 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Lincoln County, county-wide · FEMA NRI December 2025
In Lincoln County, which includes Troy, the most common type is thunderstorm wind, with 9 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 9 | Thunderstorm Wind | $5.1M |
| 2024 | 6 | Hail | $5,000 |
| 2023 | 8 | Hail | $1,000 |
| 2022 | 6 | Thunderstorm Wind | $75,000 |
| 2021 | 9 | Thunderstorm Wind | $47,000 |
| 2020 | 10 | Thunderstorm Wind | None reported |
| 2019 | 8 | Thunderstorm Wind | $7.4M |
| 2018 | 9 | Thunderstorm Wind | None reported |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
1 earthquake of magnitude 2.5+ within 100 miles in the past year
Lincoln County, county-wide
Air Quality41 median AQI — Good
Days by air quality category (2025)
Air quality in Lincoln County, which includes Troy, is typically good.
Median AQI
41
Lincoln County, county-wide
Climate86°F summers, 23°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Troy has warm summers (avg high 86°F) and cold winters (avg low 23°F).
Spring (Mar–May)
65°/43°F
avg high / low
Summer (Jun–Aug)
86°/65°F
avg high / low
Fall (Sep–Nov)
67°/45°F
avg high / low
Winter (Dec–Feb)
42°/23°F
avg high / low
Annual Precipitation
43.3"
Annual Snowfall
16.3"
Hot Days/Year
31
days above 90°F
Freeze Days/Year
111
days below 32°F
Rainy Days/Year
90
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 39°F | 20°F | 2.35" |
| Feb | 44°F | 23°F | 2.18" |
| Mar | 55°F | 33°F | 2.64" |
| Apr | 66°F | 43°F | 4.63" |
| May | 75°F | 53°F | 5.12" |
| Jun | 84°F | 63°F | 4.51" |
| Jul | 88°F | 66°F | 3.93" |
| Aug | 87°F | 65°F | 3.54" |
| Sep | 80°F | 56°F | 3.48" |
| Oct | 68°F | 45°F | 3.23" |
| Nov | 55°F | 34°F | 3.46" |
| Dec | 43°F | 25°F | 2.40" |
Healthcare1 hospital
Hospitals, ratings, and health insurance in Troy
Troy has 1 hospital.
Hospitals
1
within city limits
Uninsured
6.2%
of residents
Mercy Hospital Lincoln
Critical Access Hospitals · ER available
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education14.0:1 student/teacher ratio
Schools and degree attainment in Troy
Troy's student/teacher ratio is 14.0:1 (lower than the national average of 16:1), and 14.7% of adults 25+ hold a bachelor's degree or higher.
Public Schools
8
within city limits
Private Schools
1
within city limits
College Degree Rate
14.7%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
14.0:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Troy (within 15 miles)
Private nonprofit · 4-year · 472 students · in-state tuition $9,116 · 56% graduate
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Ulysses S Grant National Historic Site, 44 mi
Nearby national parks, recreation areas and public libraries for Troy
Troy has 6 nearby national parks or recreation areas, closest being Ulysses S Grant National Historic Site (44 mi away).
Nearby National Parks & Recreation Areas
Ulysses S Grant National Historic Site
National Historic Site
44 mi awayGateway Arch National Park
National Park
48 mi awayNew Philadelphia National Historic Site
National Historic Site
50 mi awaySte. Geneviève National Historical Park
National Historical Park
85 mi awayLincoln Home National Historic Site
National Historic Site
91 mi awaySpringfield 1908 Race Riot National Monument
National Monument
91 mi awayCities Near Troy
The closest cities within 60 miles
Planning a move to Troy?
Read our full moving guide — what it's really like to live here.
Troy FAQ
Is Troy, Missouri affordable?⌄
Troy's median rent is $1,033/month, which is below the national average, making it relatively affordable. The median household income is $79,012/year. Median home value is $226,500.
Is Troy, Missouri safe?⌄
Troy's violent crime rate was 103 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 842 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Troy, Missouri?⌄
Lincoln County, which includes Troy, has an unemployment rate of 3.9%, which is close to the national average of 4.3%.
What is the cost of living in Troy, Missouri?⌄
The cost of living in Troy is primarily driven by housing. Median rent is $1,033/month and median household income is $79,012/year. The median home value is $226,500. About 43% of renters spend more than 30% of their income on housing.
How is the commute in Troy, Missouri?⌄
The average commute in Troy is 29 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from