What are the schools like in Troy, OH?

Troy is served primarily by Troy City. The district operates 6 elementary schools, 2 middle schools, and 1 high schools with a student-to-teacher ratio of 16.7:1.

What is the median household income in Troy?

The median household income in Troy, OH is $69,730 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 5.0%.

What is the weather like in Troy, OH?

Troy has an average high temperature of 35.9°F in January and 84.3°F in July. Annual precipitation averages 40.7 inches and annual snowfall averages 11.7 inches.

Troy, OH Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Troy, OH affordable or expensive?

Troy's cost of living index is 92, where 100 represents the national average. This means Troy is 8% less expensive than the average US city. The median home value is $176,000 and the median rent is $888 per month.

Q: What is the crime rate in Troy, OH?

Troy has a violent crime rate of 140.7 incidents per 100,000 residents and a property crime rate of 1114.5 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Troy, OH a Good Place to Live?

Troy is a small city of 26,494 in Ohio, with a median household income of $69,730 and a 5.0% unemployment rate. Its cost of living index is 92 (US average = 100), which is 8% below the national average.

Strengths: Troy stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B), short average commutes.

Trade-offs: No major red flags stand out in the available data. Whether Troy is right for you depends on your priorities — the full breakdown is below.

All Troy city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 92.3

Troy's overall cost of living index is 92.3, where 100 represents the US national average. Living in Troy costs roughly 8% less than the average American city.

Metric	Troy, OH	National Avg
Median Home Value	$176,000	$244,900
Median Monthly Rent	$888	$1,163
Homeownership Rate	65.1%	65.9%
Median Household Income	$69,730	$74,755

Crime & Safety

Very Safe

Troy's violent crime rate is 140.7 per 100,000 residents — 63% lower than the national average of ~380 per 100,000.

Violent Crime

140.7 /100k

Property Crime

1114.5 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Troy is served primarily by Troy City. The student-to-teacher ratio is 16.7:1 (slightly above the national average of ~16:1).

Metric	Troy, OH	National Avg
School District	Troy City	—
Elementary Schools	6	—
Middle Schools	2	—
High Schools	1	—
Student/Teacher Ratio	16.7:1	16:1
Bachelor's Degree or Higher	30.8%	35.4%
High School Diploma or Higher	92.1%	91.1%

Weather & Climate

Troy sees average highs of 35.9°F in January and 84.3°F in July, with 40.7 inches of annual precipitation and 11.7 inches of snow per year.

Metric	Troy, OH
Average High — January	35.9°F
Average High — July	84.3°F
Annual Precipitation	40.7"
Annual Snowfall	11.7"

Demographics

Metric	Troy, OH	National Avg
Population	26,494	—
Median Age	38.2	38.9
Unemployment Rate	5.0%	3.7%
Avg Commute Time	20.8 min	26 min
White (non-Hispanic)	85.8%	59.3%
Black or African American	3.3%	13.6%
Hispanic or Latino	2.5%	18.9%
Asian	4.6%	6.3%
Under 18	24.1%	22.2%
65 and over	16.5%	16.8%

Nearby Cities

Casstown, OH 5 mi Tipp City, OH 6 mi Pleasant Hill, OH 7 mi Ludlow Falls, OH 7 mi Piqua, OH 7 mi

ZIP Codes in Troy

Troy, OH is covered by 1 ZIP code:

45373

Troy vs Other Cities

Troy, OH vs Casstown, OH Troy, OH vs Tipp City, OH Troy, OH vs Pleasant Hill, OH Troy, OH vs Ludlow Falls, OH Troy, OH vs Piqua, OH

Frequently Asked Questions

Is Troy, OH affordable or expensive?

Troy's cost of living index is 92, where 100 is the national average. That makes Troy roughly 8% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $176,000 and median rent is $888/month.

What is the crime rate in Troy, OH?

Troy's violent crime rate is 140.7 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1114.5 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Troy?

Public schools in Troy are operated by Troy City. The district has 6 elementary, 2 middle, and 1 high schools. The student-to-teacher ratio is 16.7:1. 30.8% of adults 25+ hold a bachelor's degree or higher.

Is Troy, OH a good place to live?

Troy, OH has a population of 26,494, a median household income of $69,730, and an unemployment rate of 5.0%. It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Troy?

Troy averages 35.9°F in January and 84.3°F in July. Annual rainfall is 40.7 inches with about 11.7 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Troy?

Troy, OH is covered by 1 ZIP code: 45373.

What is the population of Troy?

The population of Troy, Ohio is 26,494 with a median age of 38.2. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Troy?

Key numbers for living in Troy: cost of living index 92 (100 = US average), median home $176,000, median household income $69,730, crime index 43 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Troy side by side with your current city to see the trade-offs.