Places › New York › Troy

Living in Troy, NY

Small city in New York

Troy is a small city in New York, home to about 51,000 people, with 598,000 living within 31 mi. Day to day, you can walk or take transit almost everywhere. Life moves at a moderate pace, and homes are mostly apartments.

Is Troy a good place to live? Pros and cons

👍 Pros

  • Mild summers: highs around 83°F
  • Affordable housing: a typical 3-bedroom home is about $302k and rents for $2,040 a month
  • Great outdoors: hills or mountains nearby
  • Easy flying: ALB is 6 mi away

👎 Cons

  • Higher taxes: about $3,080 state income tax per resident, 2.51% property tax
  • Cloudier than most places
  • Smaller job market: about 598,000 people live within 31 mi
  • Fewer family amenities than most places

Whether it's a good place for you depends on what you value. Take the quiz to see how Troy ranks against your own priorities.

Key facts

Population
51,000
598,000 within 31 mi
Winter / summer highs
37°F / 83°F
Average daily highs · 59″ snow a year
3-bedroom home
$302k
Typical value (Zillow)
3-bedroom rent
$2,040/mo
Incl. utilities (HUD)
Cost of living
100
US average = 100 (BEA)
Taxes
$3,080
State income tax per resident · 2.51% property tax
Safety
1.6× US
Violent crime vs US (FBI 2019)
Natural disasters
10 since 2000
Declared in the county · mainly flooding
Top-rated hospitals
1
4–5★ within 31 mi (CMS)
Adults with a degree
37%
2 research universities within 31 mi
Nearest major airport
ALB
6 mi away

Living in Troy: common questions

What is the cost of living in Troy?

A typical 3-bedroom home is worth about $302k, and a 3-bedroom rents for about $2,040 a month including utilities. Overall living costs are close to the US average (index 100, where the US is 100).

What are taxes like in Troy?

New York collects about $3,080 in state income tax per resident, and homeowners here pay about 2.51% of their home's value in property tax each year.

Is Troy safe?

Violent crime is somewhat above the national rate (1.6× in FBI 2019 data).

What is the weather like in Troy?

Troy has cold winters: winter days average around 37°F and summer days around 83°F, with roughly 59″ of snow a year.

Does Troy get natural disasters?

Natural disaster risk is moderate, mainly from flooding: 10 federally declared disasters have hit the county since 2000, and FEMA expects about 0.37 deaths or injuries per 100,000 residents a year.

What is the nearest major airport to Troy?

The nearest major airport is ALB, about 6 mi away.

How Troy scores

Each bar compares Troy with the other 1143 places in Best Life Fit Me. A dot shows where it sits between two ends, such as major metro and small town; neither end is better. Coloured bars run from poor (red) to excellent (green).

🏙️City size Small city Major metroSmall town
🏘️Urban or quiet Urban Dense & urbanQuiet / rural
🚶Getting around Walk & transit Walk & transitCar essential
🌲Culture or nature Nature nearby Culture & nightlifeNature on the doorstep
🌡️Climate Cold winters Warm all yearLong, snowy winters
💰Cost of living Affordable Very expensiveVery affordable
⏱️Pace Moderate pace Very fast-pacedSlow & calm
🤝Community Private AnonymousTight-knit community
🏡Housing Apartments ApartmentsHouses with yards
🏷️Affordable housing Excellent
💸Low taxes Poor
💼Job market Below average
🏥Healthcare Good
🎓Education Good
🧸Kids & family Below average
🐕Dog-friendly Average
⛰️Outdoors Good
🎭Culture Average
🛡️Safety Moderate crime
🌪️Few natural disasters Good
☀️Sunny Poor
🌤️Mild summers Excellent
✈️Airport Good

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Is Troy right for you?

Answer 27 quick questions and see how it ranks against your priorities.

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Sources: US Census ACS 2019–2023, Census State Tax Collections FY2025, Zillow 3-bedroom ZHVI, HUD Fair Market Rents, BEA Regional Price Parities 2024, FBI 2019, FEMA National Risk Index v1.20, OpenFEMA disaster declarations, NOAA Normals 1991–2020, NASA POWER, CMS, NCES IPEDS 2023, IMLS, OpenStreetMap. How scores work.