The median home in Troy, Alabama is valued at $178,046, down 0.8% year over year. Typical monthly rent is $1,168, producing a price-to-rent ratio of 12.7x — below the national average of 18x. Troy is part of the Troy, AL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Troy, AL stress score, crash risk, and 12-month forecast →

Home Value$178,046

-0.8%

Rent$1,168/mo

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$35,609 on $178,046

Affordable — 18.6% of income

Under the 28% guideline.

PITI$1,161

P/I18.6%

Afford$268K

Room+$90K

P&I $900Tax $61Ins $200

Buying $7/mo cheaper ($1,168 rent)6.50% 30yr, 20% down, county tax + AL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Alabama

Compare Troy with other housing markets across Alabama.

Mountain Brook$985K Orange Beach$665K Equality$637K Jacksons Gap$591K Indian Springs Village$569K Vestavia Hills$539K Homewood$533K Dadeville$508K

Full Troy, AL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Troy, AL metro.

View Troy, AL metro →

TROY, AL