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Place dossier plate
SheetTX-TROY-TX · Troy, TX 2,628 pop · income 63rd pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Troy
Lowest/highest poles plus peers nearest Troy on median household income. Full ladder: /browse and /rankings.
median HH income
St. Pauls · lowest
33,667
St. Pauls · lowest
33,667 median HH income
26.0% of the leader · rank #1
Fishersville · near
81,190
Fishersville · near
81,190 median HH income
62.7% of the leader · rank #2
Troy · this city
81,193
Troy · this city
81,193 median HH income
62.7% of the leader · rank #3
Flagler Beach · near
81,193
Flagler Beach · near
81,193 median HH income
62.7% of the leader · rank #4
Williamsburg · near
81,200
Williamsburg · near
81,200 median HH income
62.7% of the leader · rank #5
Obetz · near
81,200
Obetz · near
81,200 median HH income
62.7% of the leader · rank #6
Briarcliff · highest
129,524
Briarcliff · highest
129,524 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Troy on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 2,628.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Troy - the verdict
Nationally, Troy sits in the 63rd percentile for household income and the 77th percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
63rd
percentile, household income
39th
percentile, home value
40th
percentile, median rent
77th
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Troy, TX
Census ACS 2023 estimates count 2,628 residents in Troy, a small town within Texas. Households in Troy report a median income of $81,193 per year, above the median for U.S. cities on this measure, with a poverty rate of 5.1%. Home values in Troy run a median of $188,200, and the median resident age is 32.5 years. Educational attainment runs 24.3% of adults with a bachelor's degree or higher. Separately, 58.1% of working-age residents are in the labor force.
In 2024, 71 residential building permits were authorized in Troy (Rapid Growth), up 22% from five years earlier, per Census BPS data. Troy reports a comparatively low crime rate: the FBI's Uniform Crime Reporting program logs 690.4 total incidents per 100,000 residents here, below the national average (agency reporting is voluntary, so this measures reporting activity, not a definitive danger score).
Texas tracks close to the national cost-of-living baseline: on BEA's 100-equals-national-average cost index, Texas scores 97.1 (Near Average), per the 2024 Regional Price Parities release. A typical two-bedroom carries a HUD Fair Market Rent of $1,149 per month statewide. EIA 2023 residential energy data puts Texas's average monthly utility costs around $223 (state average). FEMA's National Risk Index rates natural-hazard exposure at 49.0 out of 100 (Low).
A decision-led reading path
Useful questions to ask of Troy's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from comparison shortlist to housing and income to population change to work and mobility to reported crime to schools and households; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Troy, city-specific coverage includes matched public-school count, FBI reported-crime rates, annual population history, local building permits, commute-mode shares.
No matched row is reported here for within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
1. Comparison shortlist
Which cities make useful reference points for Troy?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
Within Texas, the closest population matches are Briarcliff (2,630 residents, $129,524 income); Merkel (2,630 residents, $62,368 income); Pottsboro (2,624 residents, $75,909 income). Outside the state, the closest population matches in this dataset are Pembroke, GA (2,628 residents); Angola, NY (2,628 residents); St. Pauls, NC (2,628 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
How far does income reach against housing in Troy?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. The ratio makes housing the clearest place to start this profile, but a low multiple can coexist with slow demand, older stock, or household-level hardship. Compare the home-value distribution and same-state peer table before treating it as an advantage.
The home-value-to-income reference is relatively compact: the ACS median home value is 2.3 times median household income. The ACS poverty estimate is 5.1%, which keeps the citywide median from describing every household.
Census PEP estimates show the population grew by +1,172 residents from 2020 to 2025, a +48.6% change. Separately, Census BPS recorded 71 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Driving alone is the largest reported mode at 85.6%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. The profile is strongly car-oriented, so a relocation comparison should put trip distance, vehicle access, and household fuel costs ahead of a citywide commute average. The same-state peer links offer a more relevant benchmark than a national label.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Reported crime
What can the FBI record say about safety in Troy?
The joined FBI UCR record reports 690.4 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 70% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
Total reported rate
690.4
Violent rate
143.8
Property rate
546.6
FBI Uniform Crime Reporting, incidents per 100,000. Voluntary agency reporting; not a danger score.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
The NCES join finds 4 public schools within the city match. 24.3% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
Poverty estimate
5.1%
Bachelor's degree+
24.3%
Matched public schools
4
NCES Common Core of Data school locations plus Census ACS resident characteristics.
Above median income · poverty 5.1% (Below-median poverty)
Cost of Living Index (state)
97.1 (US=100)
Near national cost · BEA RPP 2024, Texas average
C
City profile score · Troy, TX
58/100
5 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Poverty rate B-
5.1%
Share of residents below the poverty line; lower scores better on this axis.
Household income C+
$81,193
Median household income vs U.S. cities (pop ≥1,000); ACS.
Violent crime C+
144 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Cost of living C-
97.1 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bachelor's+ share D
24.3%
Adults with a bachelor's degree or higher; ACS.
Troy profile (scored ACS/FBI dimensions)Read the chart values
Poverty rate: 65/100 (B-) · 5.1%
Household income: 61/100 (C+) · $81,193
Violent crime: 60/100 (C+) · 144 /100k
Cost of living: 53/100 (C-) · 97.1 index
Bachelor's+ share: 47/100 (D) · 24.3%
Where Troy sits on home value vs crime among peer cities
Troy's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Troy highlighted among 27 peers.Read the chart values
Troy, TX (this city): home $188,200, crime 690/100k
Belleville, WI : home $281,000, crime 366/100k
Merkel, TX : home $99,000, crime 785/100k
Pottsboro, TX : home $246,300, crime 798/100k
Overton, TX : home $114,100, crime 945/100k
Floydada, TX : home $83,400, crime 1,618/100k
Westworth, TX : home $330,000, crime 5,101/100k
New York, NY : home $751,700, crime 3,039/100k
Los Angeles, CA : home $879,500, crime 2,212/100k
Chicago, IL : home $315,200, crime 4,012/100k
Houston, TX : home $253,400, crime 5,442/100k
Phoenix, AZ : home $381,900, crime 3,125/100k
Philadelphia, PA : home $232,400, crime 5,457/100k
San Antonio, TX : home $219,700, crime 5,218/100k
San Diego, CA : home $848,500, crime 2,082/100k
Dallas, TX : home $295,300, crime 4,010/100k
San Jose, CA : home $1,187,800, crime 3,195/100k
Austin, TX : home $512,700, crime 3,709/100k
Fort Worth, TX : home $277,300, crime 3,158/100k
Columbus, OH : home $234,500, crime 3,088/100k
Indianapolis, IN : home $207,000, crime 4,214/100k
San Francisco, CA : home $1,380,500, crime 4,526/100k
Seattle, WA : home $912,100, crime 5,783/100k
Denver, CO : home $586,700, crime 5,755/100k
Oklahoma City, OK : home $215,100, crime 3,570/100k
El Paso, TX : home $171,700, crime 1,772/100k
Washington, DC : home $724,600, crime 4,514/100k
How does Troy compare to other US cities?
Troy measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income63% higher than other cities
Home value39% pricier than other cities
Median rent40% pricier than other cities
Safety77% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
Zoom in to just Texas and the picture shifts: Troy ranks #149 of 624 Texas cities by lowest crime rate, a different read than the national percentile above.
How we calculate these percentiles & ranks
Each percentile compares Troy against every qualifying US city; each in-state rank narrows that to Texas only. Full formula and direction notes: methodology.
Texas-relative analysis
Median Gross Rent places Troy near the bottom of Texas's cities
Among the 1,663 Texas cities PlainCities tracks with reported median gross rent data, Troy ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Troy only against its own state's cities, not the full US field.
Median Household Income
#425 of 1,520
72nd percentile in Texas
Median Gross Rent
#1 of 1,663
0th percentile in Texas
Median Home Value
#599 of 1,505
60th percentile in Texas
Poverty Rate
#1,106 of 1,663
33rd percentile in Texas
Bachelor's Degree or Higher
#519 of 1,663
68th percentile in Texas
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Texas only, not a livability score. See the methodology for the source and calculation.
Gauge source note
63rd percentile nationally for median household income · 77th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Troy's profile vs. every US city
Income, affordability, and safety percentile
Troy's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Troy's home value compares nationally
Median home value vs. every US city (population 1,000+)
$188,200Among the most affordablemore affordable than 61% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Troy's home-value-to-income ratio: 2.3×
ACS median home value divided by median household income.
Band
affordable
< 3.0×
National rank
#3,052 of 15,516
More affordable than 80% of tracked cities (pop. 1,000+)
Size class
#2,816 of 11,323
Micro cities (under 10,000)
At 2.3×, Troy sits in the affordable band:
national rank #3,052 of 15,516 and #2,816 of 11,323micro cities (under 10,000).
The multiple is comparatively compact among tracked cities, but a low ratio can still coexist with slow demand or household-level hardship.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$81,193Troy, TX median household income (Census ACS)
Show U.S. national quintile / Lorenz context Troy, TX median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Troy, TX.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)24.3%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)5.1%
Census ACS S1701, poverty status
Labor force participation (adults 16+)58.1%
Census ACS S2301, share of working-age residents in the labor force
Population
2,628
Median Income
$81,193
Median Home Value
$188,200
Median Age
32.5
Poverty Rate
5.1%
Labor force participation
58.1%
Bachelor's Degree+
24.3%
Safety & Crime
Total Crime Rate
690.4
per 100,000 residents
Violent Crime
143.8
per 100,000 residents
Property Crime
546.6
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Schools
Total Schools
4
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Troy's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
2,413 residents
2021
2,490 residents
2022
2,733 residents
2023
3,171 residents
2024
3,433 residents
2025
3,585 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
📈 Rapid Growth
Total Permits (2024)
71
housing units authorized
Single-Family
55
detached homes
Multifamily
16
apartments & condos
Supply Intensity
27
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
58
58
0
$11.9M
2020
29
29
0
$8.2M
2021
102
102
0
$23.1M
2022
183
165
18
$26.5M
2023
110
80
30
$15.5M
2024
71
55
16
$16.6M
Permit volume increased 22% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
85.6%
Carpool
9.8%
Public Transit
0.0%
Walk
0.0%
Work from Home
2.6%
Other
2.0%
Based on 1,072 workers 16 and over.
Monthly Utility Costs
Texas statewide monthly utility average (EIA 2023): $223
EIA 2023 residential energy data puts average monthly utilities across Texas at $223 (electricity about $130 , water and sewer about $48 ).
These are Texas statewide averages, not a meter reading for Troy. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Texas's BEA cost-of-living index is 97.1 (Near Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Troy is $1,149/mo. FEMA's National Risk Index, averaged to Texas statewide on PlainCities, rates natural-hazard exposure at 49.0 / 100 (Low).
Cost/risk geography note
Cost of living is a Texas statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Troy sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Troy compares to similar-size Texas cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.