The Town FilesTroy, Missouri
City in Lincoln County · population 12,686 (2020 Census)
- Median home
- $226,500
- Household income
- $79,012
- Jan low / Jul high
- 20° / 88°
- Snow a year
- 15 in
- Tornadoes ≤10 mi since 1950
- 15
- Median age
- 35.2
Troy is a city of 12,686 people in Lincoln County, Missouri. The median home is worth $226,500, above the typical Missouri town ($153,900). It ranks better transit than 80% of Missouri towns, more vibrant than 75% of Missouri towns, more walkable than 70% of Missouri towns.
How Troy ranks
Percentile among Missouri towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Missouri towns.
Homes and cost of living
The median home in Troy is worth $226,500, above the typical Missouri town ($153,900). Homes cost about 2.9 times the median household income of $79,012, which is more affordable than 43% of Missouri towns. Median rent is $1,033 a month. 69.9% of households own their home.
| Housing | Troy | Typical Missouri town |
|---|---|---|
| Median home value | $226,500 | $153,900 |
| Median rent | $1,033 | $855 |
| Median household income | $79,012 | $56,368 |
| Home value ÷ income | 2.9× | 2.7× |
| Homeownership | 69.9% | 67.4% |
| Median year built | 2000 | 1972 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Troy
| People | Troy | Typical Missouri town |
|---|---|---|
| Median age | 35.2 | 38.6 |
| Age 65 and over | 14.7% | 17.7% |
| Under 18 | 27.4% | — |
| Bachelor's degree or higher | 14.7% | 18.9% |
| Below the poverty line | 13.6% | 14.6% |
| Veterans | 5.2% | — |
| Born outside the U.S. | 1.6% | — |
| Work from home | 12.5% | 7.9% |
| Average commute | 29.0 min | 23.1 min |
| Homes with broadband | 94.6% | 88.7% |
Weather in Troy
July highs average 87.8°F and January lows 19.6°F. About 41.5 inches of rain and melted snow fall a year, with 15.3 inches of snow (typical Missouri town: 11.1 in). Expect about 31 days a year at 90°F or hotter and 111 nights at or below freezing.
Tornadoes, storms and disasters
15 tornadoes have passed within 10 miles of Troy since 1950, compared with 23 for the typical Missouri town. 2 rated (E)F2 or stronger. The strongest, an F3, struck on April 29, 1984 about 2.9 miles from the town center. The most recent was on April 17, 2026.
Hail of 1 inch or larger has been reported within 10 miles 44 times; the largest was 2.75 inches on December 23, 1996.
Severe weather in Lincoln County since 1996
Lincoln County has been included in 29 federal disaster or emergency declarations since 1953, most often for flood, drought, tornado.
| Declared | Incident | Declaration |
|---|---|---|
| September 1, 2021 | Severe Storm | DR-4612: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding |
| March 26, 2020 | Biological | DR-4490: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3482: Covid-19 |
| July 9, 2019 | Severe Storm | DR-4451: Severe Storms, Tornadoes, And Flooding |
| January 21, 2016 | Flood | DR-4250: Severe Storms, Tornadoes, Straight-Line Winds, And Flooding |
Jobs and pay in Lincoln County
Lincoln County had 12,799 jobs in 2024, paying an average of $53,839 a year. Unemployment was 3.1% in 2023; in Troy itself the ACS puts it at 2.3%.
Public schools in Troy
9 public schools with 5,421 students, about 14.0 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| TROY BUCHANAN HIGH | 9-12 | 2,174 | 15.2 |
| TROY MIDDLE | 6-8 | 734 | 12.7 |
| CUIVRE PARK ELEMENTARY | K-5 | 626 | 14.6 |
| LINCOLN ELEM. | K-5 | 439 | 14.2 |
| BOONE ELEM. | K-5 | 429 | 13.8 |
| CLAUDE BROWN ELEMENTARY | PK-5 | 418 | 14.9 |
| MAIN STREET ELEM. | PK-5 | 399 | 10.8 |
| LINCOLN CO EARLY CHILDHOOD CTR | PK-PK | 190 | 15.8 |
| CAMP AVERY PARK CAMP | 6-12 | 12 | 4.0 |
Towns near Troy
- Moscow Mills, MO2.9 mi · 3,317 people · home $196,400
- Wright City, MO10.2 mi · 4,881 people · home $238,800
- Wentzville, MO11.8 mi · 44,372 people · home $331,300
- Warrenton, MO13.9 mi · 8,429 people · home $204,800
- St. Paul, MO14.8 mi · 3,005 people · home $443,600
- Lake St. Louis, MO16.4 mi · 16,707 people · home $405,900
- O'Fallon, MO18.7 mi · 91,316 people · home $326,200
- Dardenne Prairie, MO20.8 mi · 12,743 people · home $432,000
Troy questions
Is Troy, Missouri a good place to retire?
On The Town Files lifestyle rankings, Troy scores better for retirees than 14% of Missouri towns and quieter than 28%. 14.7% of residents are 65 or older (median age 35.2).
How much does a house cost in Troy?
The median owner-occupied home in Troy is valued at $226,500 (Census ACS 2020–2024), against a median household income of $79,012, so homes cost about 2.9 times income. Median rent is $1,033 a month.
What is the weather like in Troy?
July highs average 87.8°F and January lows 19.6°F (NOAA 1991–2020 normals). It gets about 41.5 inches of precipitation a year and 15.3 inches of snow.
Does Troy get tornadoes?
15 tornadoes have passed within 10 miles of Troy since 1950 (NOAA Storm Events); the strongest was a F3 on April 29, 1984. The typical Missouri town has had 23.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)