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Living in
Troy.
About
Life in Troy
Troy offers a genuinely quiet Midwestern living experience if you're looking to escape bigger-city chaos without feeling isolated. With a median household income around $68,830 and median home values near $217,400, it's affordable compared to many Ohio metros, though rents averaging $1,003 a month are moderate rather than cheap. The unemployment rate sits at 4.4%, and it's close enough to Dayton (20 minutes average commute) that job options expand significantly if you're willing to drive.
Troy at a Glance
Population, income, housing and more
Median Age
37.8 yrs
Poverty Rate
12.6%
Foreign-Born
5.6%
Broadband Internet
91.1%
of households
Population Growth
+3.8%
recent change · Census Bureau
Median household income
Demographics5.6% foreign-born, most often from Japan
Who lives in Troy: race and ethnicity, ages, households, languages and countries of origin
In Troy, the largest foreign-born group is from Japan (41.1%), and 2.7% of residents speak Other Asian/Pacific at home.
Under 18
25.7%
of residents
65 and Older
16.6%
of residents
Households with Kids
32.5%
anyone under 18
Living Alone
33.1%
of households
Married Couples
47.6%
of households
Avg Household Size
2.37
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 OH
Rent, home values, and income in Troy
Rent and home values here are close to the OH average.
Median rent (per month)
Median home value
Rent Burdened
41.3%
spending 30%+ of income on rent
Severely Rent Burdened
27.1%
spending 50%+
Cost of Living Index
92.7
metro area (BEA) · US avg = 100
Median Property Tax
$1,850
per year, owner-occupied homes
Homeowners
65.5%
of occupied homes are owned
Typical Home Built
1972
median year built
Vacant Homes
4.2%
of housing units
Home Value Trend
Latest: $281,444 (September 2026)
Jobs & Economyunemployment about average for OH
Unemployment in Troy
Unemployment in Troy is close to the OH 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
Commute21.6 min avg
How Troy residents get to work, and the nearest airports
In Troy, most residents drive alone to work (78%), and 70% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 9 mi
James M. Cox Dayton International Airport (DAY)
Small hub638k passengers boarded in 2025
- 69 mi
John Glenn Columbus International Airport (CMH)
Medium hub4.4M 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 61% below national average
Crime rates for 2025
Violent crime in Troy runs 61% below the national average.
Violent Crime Rate
128.2
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
900.8
per 100,000 residents
Below average (1,552 national, 2025)
Troy Police Department
Natural DisastersWinter Weather most common — 13 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Low
61.4 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Miami County, county-wide · FEMA NRI December 2025
In Miami County, which includes Troy, the most common type is winter weather, with 13 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 13 | Winter Weather | $54,250 |
| 2024 | 10 | Thunderstorm Wind | $768,100 |
| 2023 | 11 | Thunderstorm Wind | $306,250 |
| 2022 | 15 | Thunderstorm Wind | $1.1M |
| 2021 | 10 | Winter Weather | $34,000 |
| 2020 | 19 | Winter Weather | $621,200 |
| 2019 | 21 | Winter Weather | $10.3M |
| 2018 | 12 | Winter Weather | $8,000 |
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.
1 earthquake of magnitude 2.5+ within 100 miles in the past year
Miami County, county-wide
Air Quality40 median AQI — Good
Days by air quality category (2025)
Air quality in Miami County, which includes Troy, is typically good.
Median AQI
40
Miami County, county-wide
Climate83°F summers, 23°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Troy has warm summers (avg high 83°F) and cold winters (avg low 23°F).
Spring (Mar–May)
63°/42°F
avg high / low
Summer (Jun–Aug)
83°/62°F
avg high / low
Fall (Sep–Nov)
65°/44°F
avg high / low
Winter (Dec–Feb)
39°/23°F
avg high / low
Annual Precipitation
40.7"
Annual Snowfall
11.7"
Hot Days/Year
17
days above 90°F
Freeze Days/Year
111
days below 32°F
Rainy Days/Year
127
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 36°F | 21°F | 2.97" |
| Feb | 41°F | 23°F | 2.32" |
| Mar | 51°F | 32°F | 3.18" |
| Apr | 64°F | 41°F | 3.88" |
| May | 74°F | 52°F | 4.38" |
| Jun | 81°F | 61°F | 4.18" |
| Jul | 84°F | 65°F | 4.19" |
| Aug | 83°F | 62°F | 3.58" |
| Sep | 78°F | 55°F | 2.98" |
| Oct | 66°F | 44°F | 2.86" |
| Nov | 52°F | 34°F | 3.23" |
| Dec | 40°F | 25°F | 2.99" |
Healthcare2 hospitals, avg 4.5/5
Hospitals, ratings, and health insurance in Troy
Troy has 2 hospitals, averaging 4.5 out of 5 on CMS's quality rating — above-average care.
Hospitals
2
within city limits
Uninsured
5.7%
of residents
Avg Hospital Rating
4.5 / 5
Kettering Health Troy
Acute Care Hospitals · ER available
Upper Valley Medical Center
Acute Care 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.
Education18.4:1 student/teacher ratio
Schools and degree attainment in Troy
Troy's student/teacher ratio is 18.4:1 (higher than the national average of 16:1), and 33.2% of adults 25+ hold a bachelor's degree or higher.
Public Schools
10
within city limits
Private Schools
4
within city limits
College Degree Rate
33.2%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
18.4:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Dayton Aviation Heritage National Historical Park, 19 mi
Nearby national parks, recreation areas and public libraries for Troy
Troy has 4 nearby national parks or recreation areas, closest being Dayton Aviation Heritage National Historical Park (19 mi away).
Nearby National Parks & Recreation Areas
Dayton Aviation Heritage National Historical Park
National Historical Park
19 mi awayCharles Young Buffalo Soldiers National Monument
National Monument
29 mi awayWilliam Howard Taft National Historic Site
National Historic Site
66 mi awayHopewell Culture National Historical Park
National Historical Park
79 mi awayPublic Libraries in Troy
Troy-Miami County Public Library
419 W. Main St., Troy
Maker Lab
510 W. Water St., Troy
Troy-Miami Local History Library
100 W. Main St., 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, Ohio affordable?⌄
Troy's median rent is $1,003/month, which is below the national average, making it relatively affordable. The median household income is $68,830/year. Median home value is $217,400.
Is Troy, Ohio safe?⌄
Troy's violent crime rate was 128 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 901 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Troy, Ohio?⌄
Troy has an unemployment rate of 4.4%, which is close to the national average of 4.3%.
What is the cost of living in Troy, Ohio?⌄
The cost of living in Troy is primarily driven by housing. Median rent is $1,003/month and median household income is $68,830/year. The median home value is $217,400. About 41% of renters spend more than 30% of their income on housing.
How is the commute in Troy, Ohio?⌄
The average commute in Troy is 22 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