C

Troy, PA

Source:

Affordability Score: 55/100

Population: 4,818 · 1 ZIP codes

The affordability dashboard for Troy, PA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 4,818 residents, then layers in county-level federal data to produce an overall grade of C (55/100). The headline inputs are median household income of $59,872, median home value of $176,200, median rent of $701 per month, and 18.9% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,066 per month (studio $838, 1BR $844, 3BR $1,341, 4BR $1,522).

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Troy, PA include rent. Pressure points are education. Unemployment currently reads 3.2% and poverty 20.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income D
$59,872
Median household income
Education F
18.9%
Bachelor's degree or higher
Housing B-
2.9x
Home value $176,200 vs income
Commute D
27 min
Average commute time
Rent B+
$1,066/mo
2BR fair market rent (21% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare N/A
N/A
Center-based infant care cost

Income & Employment

Median Income
$59,872
▼ 3% vs national
Per Capita Income
$32,078
Unemployment Rate
3.2%
Poverty Rate
20.0%

Housing

Median Home Value
$176,200
▼ 36% vs national
Median Rent
$701/mo
Owner Occupied
75.2%
2BR Fair Market Rent
$1,066/mo
▼ 11% vs national

Fair Market Rents by Bedroom

Studio
$838
1BR
$844
2BR
$1,066
3BR
$1,341
4BR
$1,522

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
18.9%
▼ 11 ppt vs national
High School+
66.2%
Median Age
41.8
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
Toddler (Center)
Preschool (Center)
School-Age (Center)

What This Means

Troy, PA receives an overall affordability grade of C (55/100), aggregated from 1 ZIP codes with a total population of 4,818. This area performs well in rent. Challenges include education. Data was unavailable for safety, childcare — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Troy ZIP Codes
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What are common questions about this dashboard?

Is Troy, PA affordable?
Troy, PA receives an overall affordability grade of C (55/100) based on Census, HUD, FBI, and DOL data. Median household income is $59,872. Median home value is $176,200.
What is the cost of living in Troy?
Key cost metrics: Median rent $701/mo. 2BR fair market rent $1,066/mo. Median home value $176,200.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →