Troy, Texas Utility & Living Guide
Troy is a city in Bell County, Texas, United States. The population was 2,375 at the 2020 census.
Total Utilities$310/mo
1BR Rent$1021/mo
Sales Tax6.25%
COL Index96 (-4)
Family Score6/10
Median Home$160,400
📷 Live Cameras — Troy
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🌤️ Live Weather — Troy
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Living in Troy, summers are intense — Aug highs average 97.5°F, while winters are cool, with Feb lows hovering around 40.7°F. At just 1429 heating degree days per year, home heating costs are minimal. The area receives 40.6 inches of rainfall per year. Within 5 miles: 1 park, 1 dining spot and 1 school. For hospital care, the nearest facility is in a neighboring city. Median household income: $64,694. With a 9.6% poverty rate and 71.7% homeownership, the community reflects a stable residential mix. Nearby cities: Temple (8mi S), Belton (14mi SW), McGregor (17mi NW). Air quality is Good — avg AQI 46 over the past week.
📍 City Briefing
Living in Troy, summers are intense — Aug highs average 97.5°F, while winters are cool, with Feb lows hovering around 40.7°F. At just 1429 heating degree days per year, home heating costs are minimal. The area receives 40.6 inches of rainfall per year. Within 5 miles: 1 park, 1 dining spot and 1 school. For hospital care, the nearest facility is in a neighboring city. Median household income: $64,694. With a 9.6% poverty rate and 71.7% homeownership, the community reflects a stable residential mix. Nearby cities: Temple (8mi S), Belton (14mi SW), McGregor (17mi NW). Air quality is Good — avg AQI 46 over the past week.
⚠️ Natural Hazard History — Troy
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨👩👧 Families
🧮 Tools
Monthly Utility Costs
⚡ Electric
$145/mo
Local utility provider
🔥 Gas
$35/mo
Local gas utility
💧 Water
$40/mo
Municipal water department
🗑️ Garbage
$25/mo
Municipal waste management
📶 Internet
$65/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1021/mo |
| 2 Bedrooms | $1135/mo |
| 3 Bedrooms | $1418/mo |
| Median Home Price | $160,400 |
| Property Tax Rate | 1.6% |
| Avg Childcare/mo | $900 |
Contact a local realtor for current market conditions in Troy.
Cost of Living
Overall COL Index
96
US national avg = 100
vs National Avg
-4
Groceries
94
Transportation
97
Healthcare
92
Childcare/mo
$900
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.6% |
Family & Relocation
Family Vibe Score
6/10
Safety Index
55
Higher = safer
School Rating
6
GreatSchools avg
Avg Childcare
$900/mo
City Pulse
Population Trend
Population: 5,000
Household Budget Calculator
Estimate your real monthly cost of living in Troy based on your household profile.
Financial Tools
Calculators
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
Planning Tools
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Troy — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
💰 Median Household Income
$64,694
🏠 Homeownership Rate
71.7%
🔑 Renter Rate
28.3%
📉 Poverty Rate
9.6%
💼 Unemployment Rate
7.4%
