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  4. /Troy, TX - 76579

Troy, TX—76579

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$256,000
3.8% YoY Growth
Household Income
$83,100
48.5% YoY Growth
Days on Market
74
69.0% Longer YoY
Home Price Forecast
-0.6%
Median Rent
$1,600
18.8% YoY Growth
1-Bed Rent
$725
12.1% YoY Growth
2-Bed Rent
$925
56.8% YoY Growth
3-Bed Rent
$1,420
3.8% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Troy, TX

As of May '26, the median home price in Troy, TX is $256,000, with a year-over-year change of -3.8%. This indicates that home prices in Troy, TX are decreasing. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$256,000-3.8%
Single Family $256,000-4.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		N/AN/A
    3 Bed
    		$233,000-5.3%
    4 Bed
    		$281,000-5.7%
    5 Bed N/AN/A
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    % of Housing Stock

    1 Bedroom
    1.9%
    2 Bedrooms
    15.0%
    3 Bedrooms
    61.3%
    4 Bedrooms
    19.8%
    5+ Bedrooms
    1.9%

    Rental Trends — Troy, TX

    As of July '25, Rentcast reports the average rent in Troy, TX is $1,710, with a year-over-year rent change of 18.8%. Per bedroom, the median rent as of July '25 in Troy, TX is 1-bedrooms: $775, 2-bedrooms: $1,560, 3-bedrooms: $1,500, 4-bedrooms: $2,420. The most common rental property sizes in Troy, TX are 3-bedroom and 2-bedroom, accounting for 66.3% and 19.2% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,600$1,710
    Studio Rent N/AN/A
    1 Bed Rent $725$775
    2 Bed Rent $925$1,560
    3 Bed Rent $1,420$1,500
    4 Bed Rent $1,900$2,420
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    % of Rental Stock

    1 Bedroom
    5.6%
    2 Bedrooms
    19.2%
    3 Bedrooms
    66.3%
    4 Bedrooms
    8.9%

    Property Listings — Troy, TX

    As of May '26, Realtor.com reports that the median days on market for a home in Troy, TX is 74. This is a increase of 69.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$350,00022.0%
    Listing Count
    		498.0%
    Listings as % of Homes1.6%8.0%
    Days on Market
    		7469.0%
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    Demographics — Troy, TX

    As of the latest ACS Survey released in 2023, Troy, TX has a population of 5,730, which has increased by 21.1% over the past 5 years. Troy, TX is a popular place for families, as children make up 31.6% of the population. The area has a moderately educated workforce, with 25.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.9% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		5,73021.1%
    % Under 18
    		31.6%6.4%
    % Seniors
    		12.9%-20.9%
    % WFH
    		1.9%35.7%
    % w/ College Degree
    		25.0%64.5%
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    As of the latest ACS Survey released in 2023, Troy, TX is a predominantly white area, with 66.8% of the population identifying as white. The white population has shrunk by 16.0% in the last 5 years. The second most common race or ethnicity in Troy, TX is hispanic, making up 22.2% of the population. Foreign-born residents account for 5.3% of the population in Troy, TX, and this percentage has increased by 60.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		66.8%-16.0%
    % Black
    		2.3%228.6%
    % Hispanic
    		22.2%20.0%
    % Asian
    		0.0%N/A
    % Foreign Born
    		5.3%60.6%
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    Mortgage and Risk — Troy, TX

    According to HUD data as of 2023, there were 258 mortgage originations in Troy, TX, of which 45.0% of loans were conventional mortgages. The average loan-to-value was 83.0%, with 63.0% above 90% LTV (very high). This implies large mortgage risk in Troy, TX. Investor activity is low, as 2.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		258
    % Conventional Loans
    		45.0%
    % Government Loans
    		55.0%
    % Investor Loans
    		2.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		8.0%
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    Rentals and Section 8 — Troy, TX

    As of 2024, the percent of homes in Troy, TX under the Section 8 program is 1.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Troy, TX, because HUD payments exceed market rent, while 4-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		6
    Total Units Section 8
    		6
    % Rentals under Section 8
    		1.1%
    % Occupied Section 8
    		N/A

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$235$725$960
    2 Bedroom$285$925$1,210
    3 Bedroom$210$1,420$1,630
    4 Bedroom-$50$1,900$1,850

    Affordability — Troy, TX

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.4
    Median Home Price$256,000
    Median Household Income$83,100

    Troy, TX — ZIP Code Boundary Map

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    Frequently Asked Questions