Best PlacesTroy, VA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Troy, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
Troy ranks 4,077th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on heat safety by a wide margin, and state finances rank lowest.
The best neighborhoods in Troy
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Troy's strengths and weaknesses
Where Troy ranks high
- Heat safetyBetter than 97% of towns
- Crime safetyBetter than 95% of towns
- School gradeA−, better than 88% of towns
- Household income$102,955 median, better than 86% of towns
- Cost of living vs incomeBetter than 84% of towns
Where Troy ranks low
- State fiscal healthBetter than only 16% of towns
- QuietBetter than only 24% of towns
- Local economyBetter than only 32% of towns
- Housing crash safetyBetter than only 36% of towns
- Cell coverageBetter than only 38% of towns
What it costs to buy a home in Troy
A household needs to earn about $98,000 a year to comfortably buy the median Troy home, at 20% down and today's 30-year rate. That is below the area's own median income of $102,955, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Troy's effective rate of 0.67%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in Troy
Troy runs older than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Troy.
Who works in Troy, and how
Work in Troy centers on health care & social and retail trade. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 85%
- Work from home 14%
- Transit, walk, or bike 2%
Life in Troy
The map and measures below break down dining, culture, and green space by neighborhood across Troy.
What the weather is like in Troy, month by month
Troy sees roughly 112 pleasant days a year. July highs average about 85 degrees. January highs sit near 45, with lows near 30. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 45° | 36° | 30° |
| April | 68° | 57° | 48° |
| July | 85° | 77° | 69° |
| October | 69° | 60° | 53° |
Flying in and out of Troy
The nearest airport, Charlottesville-Albemarle, is about 15 miles away and is a small airport. The nearest major hub is Richmond International, about 61 miles away.
The best schools in and around Troy
Schools across Troy average an A−, better than 88% of towns.
Top elementary schools
- Moss-nuckols ElementaryA · 67% proficient
- Stone Robinson ElementaryA · 63% proficient
Top middle schools
- Leslie H. Walton MiddleA+ · 70% proficient
- Louisa County MiddleA+ · 69% proficient
- Fluvanna MiddleA · 65% proficient
Top high schools
- Louisa County HighA+ · 85% proficient
- Fluvanna County HighA− · 65% proficient
- Monticello HighA− · 64% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Troy school and its grade on SchoolGrade.
Troy measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Troy against the other 50,332 towns.
Common questions about living in Troy
Is Troy a good place to live?
Using BestNeighborhood's default rankings, Troy ranks 4,077th of 50,333 towns. It scores highest on heat safety, low crime, and good schools, and lowest on state finances and noise. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Troy expensive to live in?
The median home is worth $383,122. The overall cost of living runs about 7% below the national average. Set against a $102,955 median income, cost of living beats 84% of towns.
Is Troy safe?
Yes, Troy is safer than 95% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $173 per resident a year.
Compare Troy with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Troy. Scores are absolute rather than ranked, which means a 60 in Troy represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Troy detail on BestNeighborhood maps:
- Walk Grade for Troy: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Troy: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Troy: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Troy: carrier by carrier coverage behind the cell score.
Troy detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.