Troy, Idaho.
Typical home $507,461 (+4.2% in a year). Moscow, ID metro.
to buy the typical home at today's mortgage rate — +$1,573 (+144%) since Jan 2020.
- 1 year
- Up $20,308 +4%
- $487,153$507,461 since Sep 2025
- 5 years
- Up $103,134 +26%
- $404,327$507,461 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Troy$2,664
- Idaho$2,502
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Troy, ID rose 4.2% over the past year — faster than the nation's +1.2%.
Living in Troy, Latah County, Idaho
Troy is a city of 890 people in Latah County. Half its households earn more than $81,375 a year and half less, against $65,424 across Latah County; 4% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Latah County was 3.4% in August 2026, and the county had 2.0% more jobs in 2025 than the year before. The most residents work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Troy is a small city in Latah County, Idaho, where nearly everyone lives in a home they own. Household incomes run above the county's, and fewer people live below the poverty line than you might expect. A good share of adults hold a four-year degree. Winters are cold and snowy, with December the coldest month, while August brings warm summer days.
Work. Residents work mostly in schools, hospitals and social care, with others in the building trades, manufacturing and shops. Across Latah County, the largest workplaces include the University of Idaho, Gritman Medical Center and the Moscow District schools. Unemployment in the county is low and about where it was a year ago, and the county has added a few more jobs. The typical commute is fairly long, and only a small number of people work from home.
Things to do. Tamarack Ski Area is a short drive away and suits the long snowy season. A longer drive brings you to Nez Perce National Historical Park, a protected area tied to the history of the region. The University of Idaho Arboretum and Botanical Garden is also a longer drive, and makes a quiet outing in the warmer months.
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- 399households
- 38%of adults have a degree
- 4%below the poverty line
- 32 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Latah County had 15,026 jobs in 2025, 2.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 36° and lows near 22°; warmest in August, with highs near 86° and lows near 45°. About 51 inches of snow and 28 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Moscow U Of I weather station, 9 miles away (NOAA).
Largest workplaces in Latah County
- University of IdahoUniversity or college2,514
- Gritman Medical CenterCritical access hospital483FTE
- Moscow DistrictSchool district306FTE
- WalmartWarehouse clubs and supercenters238
- Bennett Lumber ProductsSawmills172
- Schweitzer Engineering LaboratoriesRelays, electrical and electronic, manufacturing157
- Winco FoodsStore127
- Compass Group121
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 20 workplaces with 20 or more staff, 2,128 people in all across the county; Troy has two of its own. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireVery high
- Inland floodingRelatively high
- Cold wavesRelatively high
- LandslidesRelatively moderate
- Strong windRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Troy’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Latah County and the Moscow, ID metro.
Troy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Troy$507,461
- Idaho$476,754
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Troy9
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Troy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Troy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.