The median home in Troy, Idaho is valued at $483,037, up 3.1% year over year. Troy is part of the Moscow, ID metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$483,037

+3.1%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$96,607 on $483,037

Example: $75,000 household income. Change it above to see your own.

Out of reach44.7% of income

Need $119,829/yr to afford.

PITI$2,796

P/I44.7%

Afford$302K

Gap-$181K

P&I $2,442Tax $254Ins $100

6.50% 30yr, 20% down, county tax + ID ins. 28% per HUD.

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

Other cities in Idaho

Compare Troy with other housing markets across Idaho.

Ketchum$1.56M Sun Valley$1.17M Coolin$1.05M Hayden Lake$1.02M Harrison$939K Hailey$871K Victor$867K Tetonia$854K

Full Moscow, ID analysis

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

View Moscow, ID metro

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Troy, ID