The median home in Troy, Texas is valued at $257,654, down 3.1% year over year. Troy is part of the Killeen-Temple, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Killeen-Temple, TX stress score, crash risk, and 12-month forecast →

Home Value$257,654

-3.1%

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$51,531 on $257,654

Stretch — 31% of income

Above 28% but manageable with cuts.

PITI$1,939

P/I31%

Afford$233K

Gap-$25K

P&I $1,303Tax $386Ins $250

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

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

Other cities in Texas

Compare Troy with other housing markets across Texas.

Westlake$3067K Highland Park$2847K Westover Hills$2586K University Park$2375K Rollingwood$2252K West Lake Hills$1988K Bartonville$1362K Southlake$1256K

Full Killeen-Temple, TX analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Killeen-Temple, TX metro.

View Killeen-Temple, TX metro →

TROY, TX