Troy, MT population, income and ZIP codes

Troy city is a very small community in Montana, with 906 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #107 of 497 ranked by population — larger than 78% of them. The median age here is 29.6 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Troy city earn a median of $36,641 a year, 53.3% below the national figure of $78,538 and 42% below the $62,992 median for the 94 Montana cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 31.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Troy city is valued at $182,100, 40% below the national figure and 27% below the $250,900 peer median, while median gross rent runs $573 a month, 59.2% below the national figure, or roughly $6,876 across a full year. A household on the local median income would put about 18.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 82.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 29.6 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address. With 906 residents, a handful of survey responses moves every median on this page. Compare Troy city against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.