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.

See the full metro analysis: Charlottesville, VA stress score, crash risk, and 12-month forecast →

Home Value$440,946

+1.0%

AFFORDABILITY

Enter your income for Troy.

Income (annual)

Down Payment

$88,189 on $440,946

Out of reach — 42.6% 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$1629K McLean$1425K Waterford$1278K Dunn Loring$1188K Upperville$1141K Vienna$1132K Middleburg$1114K Aldie$1081K

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 →

TROY, VA