The median home in Troy, New York is valued at $278,262, up 3.6% year over year. Typical monthly rent is $1,424, producing a price-to-rent ratio of 16.3x — near the national average of 18x. Troy is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

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

Home Value$278,262

+3.6%

Rent$1,424/mo

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$55,652 on $278,262

Stretch — 31.3% of income

Above 28% but manageable with cuts.

PITI$1,956

P/I31.3%

Afford$249K

Gap-$29K

P&I $1,407Tax $399Ins $150

Renting $532/mo cheaper ($1,424 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Troy with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Albany-Schenectady-Troy, NY analysis

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

View Albany-Schenectady-Troy, NY metro →

TROY, NY