The median home in Troy, Ohio is valued at $273,611, up 4.4% year over year. Typical monthly rent is $1,397, producing a price-to-rent ratio of 16.3x — near the national average of 18x. Troy is part of the Dayton-Kettering, OH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Dayton-Kettering, OH stress score, crash risk, and 12-month forecast →

Home Value$273,611

+4.4%

Rent$1,397/mo

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$54,722 on $273,611

Stretch — 29.4% of income

Above 28% but manageable with cuts.

PITI$1,839

P/I29.4%

Afford$260K

Gap-$13K

P&I $1,384Tax $356Ins $100

Renting $442/mo cheaper ($1,397 rent)6.50% 30yr, 20% down, county tax + OH ins. 28% per HUD.

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

Other cities in Ohio

Compare Troy with other housing markets across Ohio.

Hunting Valley$1601K The Village of Indian Hill$1575K Bentleyville$820K Waite Hill$748K Kirtland Hills$741K Gates Mills$734K Marble Cliff$731K Terrace Park$726K

Full Dayton-Kettering, OH analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Dayton-Kettering, OH metro.

View Dayton-Kettering, OH metro →

TROY, OH