Troy, Vermont.
Typical home $312,175 (+5.6% in a year).
to buy the typical home at today's mortgage rate — +$894 (+120%) since Jan 2020.
- 1 year
- Up $16,595 +6%
- $295,580$312,175 since Sep 2025
- 5 years
- Up $65,515 +27%
- $246,659$312,175 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$1,639
- Vermont$2,057
- 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, VT rose 5.6% over the past year — faster than the nation's +1.2%.
Living in Troy, Orleans County, Vermont
Troy, in Orleans County, had 261 people in the 2020 census. Half its households earn more than $91,688 a year and half less, against $70,103 across Orleans County. Unemployment in Orleans County was 3.2% in August 2026, and the county had 2.0% fewer jobs in 2025 than the year before. The most people in Orleans County work in schools and health care, then shops.
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 It can be wrong or out of date.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 very small community in Orleans County, Vermont, close enough to the Canadian line that the nearby rivers and hills matter more to daily life than any town center. Household incomes here run well above the county's, and few adults hold a four-year degree. Winters are cold and long, with the coldest days in January, while July brings the mildest, warmest weather of the year.
Work. Residents work mostly in schools, hospitals and social care, with shops, the building trades and manufacturing close behind. Across Orleans County, the largest workplaces include North Country Hospital & Health CTR, the manufacturer Galvion, and Walmart. A small share of people work from home, and the county has seen somewhat fewer jobs than a year earlier.
Things to do. Much of what is nearby is water and woods. Jay State Forest, a protected area, and the Missisquoi River are both a short drive away. For a longer outing, Lake Willoughby and Lake Memphremagog are both a longer drive away, and the Haskell Free Library and Opera House, a theatre, is also a longer drive.
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- 9%of adults have a degree
- 4%work from home
What people in Orleans County work in
Employed residents by industry, from the Census survey. Orleans County had 10,320 jobs in 2025, 2.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 24° and lows near 4°; warmest in July, with highs near 74° and lows near 56°.
Average daily high and low, 1991–2020, at the Jay Peak weather station, 5 miles away (NOAA).
Largest workplaces in Orleans County
- North Country Hospital & Health CTRCritical access hospital349FTE
- GalvionSporting goods manufacturing325
- WalmartWarehouse clubs and supercenters260
- North Country Union High School DistrictSchool district168FTE
- Columbia Forest ProductsHardwood veneer or plywood manufacturing163
- Lake Region Union Elementary Middle School DistrictSchool district115FTE
- Derby School DistrictSchool district109FTE
- TivolyTools and accessories for machine tools manufacturing97
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 20 workplaces with 20 or more staff, 2,075 people in all across the county; Troy has none of its own. Hospitals come 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
- Winter weatherVery high
- Inland floodingRelatively high
- LightningRelatively high
- Cold wavesRelatively high
- Ice stormsRelatively moderate
- Strong windRelatively 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 Orleans County.
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$312,175
- Vermont$391,900
- United States$366,157
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.
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.