The median home in Troy, Virginia is valued at $440,946, up 1.0% year over year. Troy is part of the Charlottesville, VA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$440,946

+1.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$88,189 on $440,946

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

Out of reach42.6% of income

Need $114,171/yr to afford.

PITI$2,664

P/I42.6%

Afford$290K

Gap-$151K

P&I $2,230Tax $301Ins $133

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

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

Other cities in Virginia

Compare Troy with other housing markets across Virginia.

Great Falls$1.63M McLean$1.42M Waterford$1.28M Dunn Loring$1.19M Upperville$1.14M Vienna$1.13M Middleburg$1.11M Aldie$1.08M

Full Charlottesville, VA analysis

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

View Charlottesville, VA metro

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Troy, VA