Troy, Texas.
Typical home $255,613 (-3.7% in a year). Killeen-Temple, TX metro.
to buy the typical home at today's mortgage rate — +$659 (+97%) since Jan 2020.
- 1 year
- Down $9,838 -4%
- $265,451$255,613 since Sep 2025
- 5 years
- Up $11,209 +5%
- $244,403$255,613 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$1,342
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 77 years.
Typical home values in Troy, TX fell 3.7% over the past year — slower than the nation's +1.2%.
Living in Troy, Bell County, Texas
Troy is a city of 2,375 people in Bell County. Half its households earn more than $86,311 a year and half less, against $68,865 across Bell County; 4% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% are rented. Unemployment in Bell County was 5.2% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then transport and warehouses.
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 It can be wrong or out of date.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 Bell County, and its residents are younger than the typical American. Household incomes run well above the county's, and few residents live below the poverty line. Most homes are lived in by their owners, and few adults hold a four-year degree.
Work. Residents work mostly in schools, hospitals and social care, followed by transport, warehouses and utilities, then shops and manufacturing. Very few work from home. Across Bell County, some of the biggest employers are Scott and White Memorial Hospital, Killeen ISD and the Veterans Health Administration. Unemployment in the county is a little higher than it was a year ago, while the number of jobs has edged up.
Things to do. The Temple Railroad and Heritage Museum is the closest of the nearby places, a short drive away. A longer drive brings you to Belton Lake, a reservoir, and to Mother Neff State Park, a protected area. Winters are mild and there is little or no snow, while summers turn hot by August, and the year brings a fair amount of rain.
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- 973households
- 22%of adults have a degree
- 4%below the poverty line
- 2%work from home
What residents work in
Employed residents by industry, from the Census survey. Bell County had 130,527 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 36°; warmest in August, with highs near 96° and lows near 72°. About 37 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Stillhouse Hollow Dam weather station, 17 miles away (NOAA).
Largest workplaces in Bell County
- Scott and White Memorial HospitalGeneral hospital7,067FTE
- Killeen ISDSchool district6,251FTE
- Baylor Scott & White Health4,950
- Veterans Health AdministrationFederal government · Department of Veterans Affairs2,766
- Belton ISDSchool district2,104FTE
- Baylor Scott & White Health1,444
- Temple ISDSchool district1,292FTE
- H-E-BRetail1,280
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 221 workplaces with 20 or more staff, 42,460 people in all across the county; Troy has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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
- TornadoesVery high
- HailRelatively high
- Winter weatherRelatively high
- LightningRelatively high
- Cold wavesRelatively high
- DroughtRelatively 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 moderate. 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 Bell County and the Killeen-Temple, TX 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$255,613
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Troy listings — the market is heating up.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Troy20.75%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Troy32
New listings per month
Sellers arriving at the market.
- Troy6
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.