Troy, Virginia.
Typical home $451,096 (+1.6% in a year). Charlottesville, VA metro.
to buy the typical home at today's mortgage rate — +$1,296 (+121%) since Jan 2020.
- 1 year
- Up $7,072 +2%
- $444,024$451,096 since Sep 2025
- 5 years
- Up $93,932 +26%
- $357,164$451,096 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$2,368
- Virginia$2,164
- 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, VA rose 1.6% over the past year — faster than the nation's +1.2%.
Living in Troy, Fluvanna County, Virginia
The Census does not count Troy on its own, so the figures here are Fluvanna County's. Half the county's households earn more than $96,768 a year and half less; 8% of the county's people live below the poverty line. 89% of the county's homes are lived in by their owners and 11% are rented. Unemployment in Fluvanna County was 3.1% in August 2026, and the county had 2.6% fewer jobs in 2025 than the year before. The most people in Fluvanna County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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 town in Fluvanna County, Virginia, where the census counts residents across the whole county rather than the town alone. Winters are cold, with January the coldest month, and snow falls most winters. Summers are warm, with July the warmest month, and rain comes steadily through the year. Across Fluvanna County, most homes are lived in by their owners.
Work. Many residents work in schools, hospitals and social care, or in professional and business services. Others work in shops, or in restaurants, hotels and entertainment. Joblessness has held steady over the past year, and many people commute to work by car.
Things to do. Scott Stadium, one of the best known stadiums in the region, is a longer drive away. The Fralin Museum of Art is a museum that is also a longer drive away. The North Anna River, a river for those who enjoy the outdoors, is likewise a longer drive from town.
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- 10,329households
- 43.5median age
- 37%of adults have a degree
- 8%below the poverty line
- 32 mintypical commute
- 16%work from home
What people in Fluvanna County work in
Employed residents by industry, from the Census survey. Fluvanna County had 4,726 jobs in 2025, 2.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 26°; warmest in July, with highs near 85° and lows near 67°. About 16 inches of snow and 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Monticello weather station, 10 miles away (NOAA).
Largest workplaces in Fluvanna County
- Fluvanna County Public SchoolsSchool district562FTE
- Fluvanna Correctional Center for WomenCorrectional institutions311
- Caton Construction GroupPavement, highway, road, street, bridge or airport runway, construction180
- Food LionGrocery stores110
- ChipsSawmills80
- van der Linde Recycling and Container RentalsMaterials recovery facilities75
- Makco70
- Thomasson ConstructionLow voltage electrical work67
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 15 workplaces with 20 or more staff, 1,162 people in all. School districts come 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
FEMA rates every natural hazard here relatively low or very low.
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Fluvanna County, against the rest of the country; all of them together, very low. 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 Fluvanna County and the Charlottesville, VA 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$451,096
- Virginia$412,252
- 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.
- Troy14
New listings per month
Sellers arriving at the market.
- Troy5
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.