Town in Bell County, part of the Killeen metro

Living in Troy, TX

B

220th of 745Texas towns of 1,000 to 10,000 people
Overall score 70 of 100
5th of 15 in the Killeen area

Troy gets an overall grade of B and ranks 220th of 745 Texas towns of 1,000 to 10,000 people. It does best on jobs and income and cost of living, and trails on getting around and health.

  • Fast-growing
  • Getting around scores low (12 of 100)
  • Tornado risk is very high
Map of Texas showing where Troy isHoustonSan AntonioDallasAustinFort WorthTroy
Where Troy is in Texas.
Population
3,585+51.0% since 2020
Median rent
$1,3246% lower than Texas
Median home value
$201,50029% lower than Texas
Household income
$86,311Median
Average commute
27 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Troy

Troy sits about 27 miles from downtown Killeen, in the Killeen-Temple metro. 3,585 people lived here in 2025, up 51.0% from 2020, so it is one of the faster-growing places in Texas. It is small-town and rural in feel, with mostly newer homes (the median home was built in 2001).

The median age is 33.8, 45% of households have children, 65% of homes are owned by the people living in them and the typical household earns $86,311 a year (10% higher than the Texas median).

Pros of living in Troy

  • Homes are affordable for local incomes. The median home costs 2.3 times the median household income, against 3.6 times across Texas.
  • Growing fast. The population grew 51% from 2020 to 2025, which usually means new homes, shops and jobs.

Cons of living in Troy

  • Natural hazard risk. FEMA rates the risk of tornadoes, hail and wildfires as very high here.

Who Troy suits

  • FamiliesA reasonable fit: 100% of rated schools earn an A or B. Compared with similar Texas places, it beats 71% for families.
  • Young professionalsA reasonable fit: household income is 10% higher than the Texas median, with 7 restaurants and 0 cafes in town. Compared with similar Texas places, it beats 51% for young professionals.
  • RetireesA reasonable fit: 14% of working-age adults are uninsured. Compared with similar Texas places, it beats 48% for retirees.
  • Remote workersA reasonable fit: 91% of homes have broadband and the median rent of $1,324 is 6% lower than the Texas median. Compared with similar Texas places, it beats 64% for remote workers.
  • People on a budgetA reasonable fit: the median rent of $1,324 is 6% lower than the Texas median. Compared with similar Texas places, it beats 69% for people on a budget.

Troy report card

Ten grades, one for each part of daily life we measure. Most compare Troy with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade B

    Median rent $1,324, homes cost 2.3x income.

    67 of 100 vs US towns

  • Jobs and income: grade B

    Median household income $86,311, 5.6% unemployed.

    68 of 100 vs US towns

  • Schools: grade B

    4 rated campuses, 100% rated A or B.

    66 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade C-

    0 grocery stores, 7 restaurants, 1 park mapped in town.

    33 of 100 vs TX towns

  • Getting around: grade D-

    Average commute 27 min, 2.4% work from home.

    12 of 100 vs US towns

  • Education levels: grade C+

    22% have a bachelor’s degree.

    50 of 100 vs US towns

  • Health: grade D+

    14% of adults uninsured.

    28 of 100 vs US towns

  • Home ownership: grade B

    65% of homes owner-occupied.

    66 of 100 vs US towns

  • Internet access: grade C+

    91% of homes have broadband.

    54 of 100 vs US towns

Where Troy stands out compared with Texas

Better than Texas

  • Renters paying 30%+ of income on rent: 31%21 points lower than Texas (52%)
  • Home value to income: 2.3x35% lower than Texas (3.6x)
  • People below the poverty line: 4.0%10 points lower than Texas (14%)

Worse than Texas

  • Adults with a bachelor's degree or higher: 22%12 points lower than Texas (34%)
  • Workers who walk, bike or take transit: 0%3 points lower than Texas (2.6%)

Cost of living in Troy

Rent is the cost most newcomers feel first. The median rent in Troy is $1,324 a month, 6% lower than the Texas median of $1,403. To keep that rent at 30% of income, a household needs to earn about $53,000 a year. Right now 31% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $927 for a one-bedroom, $1,138 for a two-bedroom and $1,576 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $201,500, 29% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $1,103 before tax, or $1,346 with property tax. That is close to the median rent, so buying can make sense if you plan to stay.

Texas has no state income tax, but it leans on property taxes instead, though they are lighter here than in much of the state. The median homeowner in Troy pays $2,914 a year, 31% lower than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in TroyStudio$9211 bedroom$9272 bedrooms$1,1383 bedrooms$1,5764 bedrooms$1,902
HUD fair market rent for FY2027, Killeen-Temple, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent6% lower than Texas$1,324$1,403$1,413
Median home value29% lower than Texas$201,500$283,800$332,700
Home value to income35% lower than Texas2.3x3.6x4.1x
Renters paying 30%+ of income on rent21 points lower than Texas31%52%51%
Median property tax per year31% lower than Texas$2,914$4,232$3,119
Homes owned by the people living in them3 points higher than Texas65%63%65%
Median year homes were builtAbout the same as Texas200119921980

Monthly cost to buy a median home

$1,346
Mortgage payment
$1,103
Property tax
$243
Median rent, for comparison
$1,324

Based on a $201,500 home in Troy, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Schools in Troy

Troy has 4 public school campuses with a 2025 state rating inside the city, and 100% of them earn an A or B. Most students here are served by Troy ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
66
of 100 vs Texas towns
Average rating
84
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • BEdna Bigham Mays ElementaryElementary, Troy ISD85 of 100
  • BTroy ElementaryElementary, Troy ISD85 of 100
  • BRaymond Mays MiddleMiddle, Troy ISD83 of 100
  • BTroy High SchoolHigh, Troy ISD82 of 100

Daily life in Troy

Everyday places mapped inside Troy, from Overture Maps. Well-known spots include Trojan Park.

The average one-way commute is 27 minutes, about the same as the Texas average. 2% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Killeen is about 27 miles away in a straight line. Many people who live in Troy work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $86,311, income per person is $32,001, unemployment is 5.6% and 22% of adults hold a bachelor's degree.

Grocery stores
0
Pharmacies
0
Restaurants
7
Cafes
0
Bars
1
Parks
1
Gyms
1
Hospitals and urgent care
0
Childcare
1
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income10% higher than Texas$86,311$78,476$80,734
Income per person21% lower than Texas$32,001$40,752$44,673
Unemployment rateAbout the same as Texas5.6%5.3%5.2%
People below the poverty line10 points lower than Texas4.0%14%12%
Adults with a bachelor's degree or higher12 points lower than Texas22%34%36%
Adults with a high school diploma or higher7 points higher than Texas92%86%90%
Adults 18 to 64 without health insurance6 points lower than Texas14%20%11%
Homes with broadband internetAbout the same as Texas91%91%91%

Getting to work

MeasureHereTexasUS
Average commuteAbout the same as Texas27 min27 min26 min
Workers who work from home12 points lower than Texas2.4%14%15%
Workers who work from home2.4%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Troy

Under 1830%
18 to 3421%
35 to 6435%
65 and over14%

Median age 33.8 years. 45% of households have children.

Race and ethnicity
White65%
Hispanic or Latino29%
Black2.4%
Asian0%
Other or more than one race4.4%

Shown for information only. It is never part of any grade.

Weather in Troy

Troy has a hot Texas climate. July highs average 95°F and January lows about 34°F. There are about 94 days a year at 90°F or above, and about 38 inches of rain a year.

Average monthly high and low temperatures in Troy30°50°70°90°58J62F69M76A83M91J95J96A90S80O68N60DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Mcgregor, 16 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is moderate, hurricane risk is high, tornado risk is very high and hail risk is very high. Even in lower-risk areas, check the FEMA flood map for the exact address before you buy.

  • River floodingModerate
  • HurricanesHigh
  • TornadoesVery high
  • HailVery high
  • Heat wavesHigh
  • WildfiresVery high
  • Winter stormsVery high
  • Strong windModerate

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Troy

Nearby, Bruceville-Eddy gets a C, Moody gets a C+ and Temple gets a D. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. CBruceville-EddyTown, 1,584 people7 mi
  2. C+MoodyTown, 1,390 people7 mi
  3. DTempleCity, 89,602 people9 mi
  4. BMorgan's Point ResortTown, 4,750 people10 mi
  5. ALorenaTown, 1,497 people13 mi
  6. DBeltonSmall city, 24,356 people15 mi

Troy in the Killeen area

How it ranks among 15 places in the metro.

  1. 1A-Salado2,225 people15 mito downtown
  2. 2A-Kempner1,215 people14 mito downtown
  3. 3B+Holland1,299 people24 mito downtown
  4. 4B+Little River-Academy2,233 people21 mito downtown
  5. 5BTroy2,844 people27 mito downtown
  6. 6BMorgan's Point Resort4,750 people17 mito downtown
  7. 7B-Nolanville6,690 people7 mito downtown
  8. 8B-Harker Heights34,128 people5 mito downtown

See all of the best suburbs of killeen

Living in Troy: common questions

Is Troy, TX a good place to live?

Troy gets an overall grade of B and ranks 220th of 745 Texas towns of 1,000 to 10,000 people. It does best on jobs and income and cost of living, and trails on getting around and health.

How much does it cost to live in Troy?

Median rent in Troy is $1,324 a month, 6% lower than the Texas median. The median home is worth $201,500, 29% lower than the Texas median. A median home costs 2.3x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $1,346, including property tax.

Is Troy safe?

In 2025, Troy Police Department reported 53 violent crimes per 100,000 people, 86% lower than the Texas rate. Property crime was 134 per 100,000, 94% lower than the Texas rate. This agency reported only part of the year, so the rate is shown but not scored.

Are the schools good in Troy?

We found 4 rated public school campuses inside Troy. 100% are rated A or B by the Texas Education Agency. Its schools score is 66 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Troy flood?

FEMA rates river flooding risk in Troy as moderate, and coastal flooding as not rated. Hazards rated high or very high here: hurricanes, tornadoes, heat waves, hail, wildfires and winter storms. Always check the flood map for a specific address before you buy.

What is the weather like in Troy?

Summers in Troy peak at about 95°F in July, and January nights fall to about 34°F. Expect around 94 days a year at 90°F or hotter, and 38 inches of rain.

How long is the commute in Troy?

The average one-way commute is 27 min, about the same as the Texas average. About 2.4% of workers work from home. It is about 27 miles from downtown Killeen.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.