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Living in
Troy.
About
Life in Troy
Troy offers an affordable alternative to typical Northeast cities, with a median home value around $206,500 and median rent at $1,175—reasonable for the region. The job market is solid, anchored by RPI as the largest private employer and a developing tech sector with 10 gaming studios, though opportunities beyond tech and education can be limited compared to larger metros. The architecture is genuinely stunning if you appreciate 19th-century craftsmanship, and the downtown has real character with galleries, cafes, and an antique district along the riverfront, though some blocks still bear scars from failed urban renewal attempts in the 1970s.
Troy at a Glance
Population, income, housing and more
Median Age
32.3 yrs
Poverty Rate
23.4%
Foreign-Born
8.1%
Broadband Internet
88.9%
of households
Population Growth
-0.7%
recent change · Census Bureau
Median household income
Demographics8.1% foreign-born, most often from Guyana
Who lives in Troy: race and ethnicity, ages, households, languages and countries of origin
In Troy, the largest foreign-born group is from Guyana (8.9%), and 4.6% of residents speak Spanish at home.
Under 18
17.2%
of residents
65 and Older
13.3%
of residents
Households with Kids
22.1%
anyone under 18
Living Alone
43.3%
of households
Married Couples
21.4%
of households
Avg Household Size
2.13
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 28% below NY average
Rent, home values, and income in Troy
In Troy, rent runs 28% below the NY average, and home values are 51% below the NY average.
Median rent (per month)
Median home value
Rent Burdened
50.7%
spending 30%+ of income on rent
Severely Rent Burdened
25.1%
spending 50%+
Cost of Living Index
99.6
metro area (BEA) · US avg = 100
Median Property Tax
$4,749
per year, owner-occupied homes
Homeowners
37.4%
of occupied homes are owned
Vacant Homes
14.3%
of housing units
Home Value Trend
Latest: $298,947 (September 2026)
Jobs & Economyunemployment about average for NY
Unemployment in Troy
Unemployment in Troy is close to the NY average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Troy Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute21.1 min avg
How Troy residents get to work, and the nearest airports
In Troy, most residents drive alone to work (61%), and 79% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 6 mi
Albany International Airport (ALB)
Small hub1.6M passengers boarded in 2025
- 75 mi
Bradley International Airport (BDL)
Medium hub3.3M passengers boarded in 2025
- 135 mi
LaGuardia Airport (LGA)
Major hub16.3M 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.
Safetyabout average for violent crime
Crime rates for 2025
Violent crime in Troy is close to the national average.
Violent Crime Rate
345.1
per 100,000 residents
About average (329 national, 2025)
Property Crime Rate
2,303.7
per 100,000 residents
Above average (1,552 national, 2025)
Troy Police Department
Natural DisastersThunderstorm Wind most common — 38 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
82.2 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Rensselaer County, county-wide · FEMA NRI December 2025
In Rensselaer County, which includes Troy, the most common type is thunderstorm wind, with 38 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 38 | Strong Wind | $500 |
| 2024 | 27 | Winter Weather | $8,500 |
| 2023 | 22 | Winter Weather | $199,000 |
| 2022 | 36 | Thunderstorm Wind | $30,000 |
| 2021 | 37 | Thunderstorm Wind | $3.0M |
| 2020 | 26 | Thunderstorm Wind | $71,000 |
| 2019 | 54 | Thunderstorm Wind | $368,000 |
| 2018 | 40 | Winter Weather | $19,000 |
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.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Rensselaer County, county-wide
Air Quality39 median AQI — Good
Days by air quality category (2025)
Air quality in Albany County, NY (the nearest EPA-monitored county, about 18 miles from Troy) is typically good — 250 good-air days per year.
Median AQI
39
Good Days
250
per year
Moderate Days
110
per year
Unhealthy Days
0
per year
Nearest EPA monitor county: Albany County, NY (18 mi away)
Climate83°F summers, 20°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Troy has warm summers (avg high 83°F) and very cold winters (avg low 20°F).
Spring (Mar–May)
60°/38°F
avg high / low
Summer (Jun–Aug)
83°/62°F
avg high / low
Fall (Sep–Nov)
64°/44°F
avg high / low
Winter (Dec–Feb)
37°/20°F
avg high / low
Annual Precipitation
42.1"
Annual Snowfall
59.2"
Hot Days/Year
13
days above 90°F
Freeze Days/Year
131
days below 32°F
Rainy Days/Year
126
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 34°F | 17°F | 2.65" |
| Feb | 37°F | 18°F | 2.43" |
| Mar | 46°F | 26°F | 2.91" |
| Apr | 60°F | 38°F | 3.09" |
| May | 73°F | 49°F | 3.79" |
| Jun | 81°F | 59°F | 4.61" |
| Jul | 86°F | 64°F | 4.64" |
| Aug | 84°F | 62°F | 3.92" |
| Sep | 77°F | 54°F | 3.83" |
| Oct | 64°F | 43°F | 4.23" |
| Nov | 51°F | 33°F | 2.84" |
| Dec | 40°F | 25°F | 3.15" |
Healthcare1 hospital, avg 3.0/5
Hospitals, ratings, and health insurance in Troy
Troy has 1 hospital, averaging 3.0 out of 5 on CMS's quality rating.
Hospitals
1
within city limits
Uninsured
4.6%
of residents
Avg Hospital Rating
3.0 / 5
Samaritan Hospital of Troy, New York
Acute Care Hospitals · ER available
- Main campus: Samaritan Hospital of Troy, New York · 2215 Burdett Avenue
- Outpatient center: Sunnyview Therapy Services · 79 Vandenburgh Ave, Troy
- Hospital campus: Samaritan Hospital - St. Mary's Campus · 1300 Massachusetts Ave, Troy
Nearby hospitals · within 15 miles
St Peter's Hospital
Acute Care Hospitals · ER available · 7.2 mi away · Albany
Albany VA Medical Center
Acute Care - Veterans Administration · ER available · 7.8 mi away · Albany
Albany Medical Center Hospital
Acute Care Hospitals · ER available · 7.8 mi away · Albany
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. Campus locations © OpenStreetMap contributors.
Education10.3:1 student/teacher ratio
Schools and degree attainment in Troy
Troy's student/teacher ratio is 10.3:1 (lower than the national average of 16:1), and 37.3% of adults 25+ hold a bachelor's degree or higher.
Public Schools
12
within city limits
Private Schools
4
within city limits
College Degree Rate
37.3%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
10.3:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in Troy
Hudson Valley Community College
Public · 2-year · 6,499 students · in-state tuition $6,796 · 37% graduate · median earnings $50,915 (10 yrs after entry)
Rensselaer Polytechnic Institute
Private nonprofit · 4-year · 5,714 students · in-state tuition $66,032 · 85% graduate · median earnings $113,011 (10 yrs after entry)
Private nonprofit · 4-year · 1,244 students · in-state tuition $39,812 · 67% graduate · median earnings $61,760 (10 yrs after entry)
Samaritan Hospital School of Nursing
Private nonprofit · 2-year · 129 students · in-state tuition $15,358 · 88% graduate · median earnings $84,623 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Public · 4-year · 12,564 students · in-state tuition $10,881 · 67% graduate · median earnings $72,751 (10 yrs after entry)
Private nonprofit · 4-year · 11,550 students · 60% graduate · median earnings $81,471 (10 yrs after entry)
Private nonprofit · 4-year · 2,046 students · in-state tuition $71,676 · 85% graduate · median earnings $95,269 (10 yrs after entry)
Schenectady County Community College
15 mi awayPublic · 2-year · 1,507 students · in-state tuition $6,612 · 24% graduate · median earnings $44,042 (10 yrs after entry)
Private nonprofit · 2-year · 656 students · in-state tuition $19,800 · 46% graduate · median earnings $63,018 (10 yrs after entry)
Albany College of Pharmacy and Health Sciences
7.9 mi awayPrivate nonprofit · 4-year · 481 students · in-state tuition $42,675 · 47% graduate · median earnings $128,214 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Saratoga National Historical Park, 18 mi
Nearby national parks, recreation areas and public libraries for Troy
Troy has 8 nearby national parks or recreation areas, closest being Saratoga National Historical Park (18 mi away).
Nearby National Parks & Recreation Areas
Saratoga National Historical Park
National Historical Park
18 mi awayMartin Van Buren National Historic Site
National Historic Site
25 mi awayColtsville National Historical Park
National Historical Park
30 mi awayThomas Cole National Historic Site
National Historic Site
36 mi awayNew England National Scenic Trail
National Scenic Trail
66 mi awayVanderbilt Mansion National Historic Site
National Historic Site
66 mi awayEleanor Roosevelt National Historic Site
National Historic Site
68 mi awayHome Of Franklin D Roosevelt National Historic Site
National Historic Site
68 mi awayPublic Libraries in Troy
Troy Public Library
100 Second Street, Troy
Troy Public Library Lansingburg Branch
114th Street And 4th Avenue, Troy
Cities 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, New York affordable?⌄
Troy's median rent is $1,175/month, which is below the national average, making it relatively affordable. The median household income is $58,477/year. Median home value is $206,500.
Is Troy, New York safe?⌄
Troy's violent crime rate was 345 per 100,000 residents in 2025, which is close to the national average of 329/100k that year. Property crime rate is 2304 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Troy, New York?⌄
Troy has an unemployment rate of 4.5%, which is close to the national average of 4.3%.
What is the cost of living in Troy, New York?⌄
The cost of living in Troy is primarily driven by housing. Median rent is $1,175/month and median household income is $58,477/year. The median home value is $206,500. About 51% of renters spend more than 30% of their income on housing.
How is the commute in Troy, New York?⌄
The average commute in Troy is 21 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