Troy, New York

Area Profile

51,033 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Troy, in Rensselaer County.

55out of 100
Area Score
Bottom 32% of 2,944 published profiles

How we calculate this

How this area ranks
Opportunity2853rd of 3,904 published cities45
Schools1616th of 2,668 published cities43
Growth1868th of 2,973 published cities43
Housing affordability2149th of 4,223 published cities80
Climate3601st of 4,223 published cities60
Physical resilience2122nd of 4,182 published cities57
AccessTop 14% of 4,226 published cities99
Economic stability3830th of 4,226 published cities33
The quick read

Employment conditions sit below most comparable published city profiles: unemployment is 5.0% and the Opportunity signal places Troy in the bottom 27%.

Residential permitting has slowed: 82 units authorized over the past twelve months, 49% below the prior year.

A major airport is 6 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
51,033
2024 ACS 5-Year
Median household income
$58,477
Bottom 37% nationally
Density
4,927/sq mi
10.4 sq mi of land
Median age
32.3
2024 ACS 5-Year
County
Rensselaer County
New York
Metro area
Albany-Schenectady-Troy, NY
Nearest major airport
ALB
6 mi · Albany Intl
Median home value
$206,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.0% is lower than 25% of the 3,904 measured US cities.

Employment fell 0.5% over the past year, to 23,365 employed residents.

37% of adults hold a four-year degree, higher than 79% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$4,778$58,477Bottom 37%2024 ACS 5-Year
Per capita income ±$2,238$35,237Top 45%2024 ACS 5-Year
Poverty rate23.4%Top 18%2024 ACS 5-Year
Average commute22.6 minBottom 29%2024 ACS 5-Year
Bachelor's degree or higher37.3%Top 21%2024 ACS 5-Year
Employment23,365Bottom 30%June 2026
Employment change (3 years)-0.5%Bottom 45%June 2026
Employment change (year over year)-0.5%Top 40%June 2026
Labor force24,585Bottom 30%June 2026
Labor force participation59.7%Bottom 47%2024 ACS 5-Year
Mean annual wage$71,830Top 39%2025 OEWS
Median annual wage$58,460Top 26%2025 OEWS
Unemployment change (year over year)0.5%Top 29%June 2026
Unemployment rate5.0%Top 25%June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/066.23.4
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 5.0% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Median household income, successive ACS releases
202120222023202458k50k
Each point is a separate five-year estimate, most recently $58,477 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Albany-Schenectady-Troy, NY
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides13,180$37,590
Retail Salespersons11,930$35,420
Registered Nurses10,230$99,970
General and Operations Managers8,890$111,130
Janitors and Cleaners, Except Maids and Housekeeping Cleaners8,880$37,810
Cashiers8,570$34,290

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

36% of students met the state standard in mathematics and 46% in reading, across the schools here that reported results.

There are 10.5 students for every full-time teacher, fewer than in most measured places.

Public schools
17
2024-25 school year
Students per teacher
10.5
across all schools here
Math proficiency
36.2%
Bottom 34% in New York
Reading proficiency
46.4%
Bottom 24% in New York
SchoolDistrictStudentsPer teacherMathReading
TROY HIGH SCHOOLTROY CITY SCHOOL DISTRICT1,19311.8
KIPP TROY PREPARATORY CHARTER SCHOOL · charterKIPP TROY PREPARATORY CHARTER SCHOOL76218.6
TROY MIDDLE SCHOOLTROY CITY SCHOOL DISTRICT7338.822%42%
LANSINGBURGH SENIOR HIGH SCHOOLLANSINGBURGH CENTRAL SCHOOL DISTRICT62510.8
TAMARAC MIDDLE SCHOOL HIGH SCHOOLBRUNSWICK CENTRAL SCHOOL DISTRICT (BRITTONKILL)5769.935%55%
TURNPIKE ELEMENTARY SCHOOLLANSINGBURGH CENTRAL SCHOOL DISTRICT54210.0
TAMARAC ELEMENTARY SCHOOLBRUNSWICK CENTRAL SCHOOL DISTRICT (BRITTONKILL)50515.854%62%
KNICKERBACKER MIDDLE SCHOOLLANSINGBURGH CENTRAL SCHOOL DISTRICT4748.38%37%
PS 14TROY CITY SCHOOL DISTRICT46010.048%38%
RENSSELAER PARK ELEMENTARY SCHOOLLANSINGBURGH CENTRAL SCHOOL DISTRICT4199.719%35%
CARROLL HILL SCHOOLTROY CITY SCHOOL DISTRICT3257.122%30%
PS 18TROY CITY SCHOOL DISTRICT3138.944%52%

61.8% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against New York’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,175 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.5 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
24.1%
Below the 30% cost-burdened threshold
Home price to income
3.5×
median home value ÷ median income
Median gross rent
$1,175
2024 ACS 5-Year
Median home value
$206,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.53Top 35%2024 ACS 5-Year
Homeownership rate37.4%Bottom 4%2024 ACS 5-Year
Housing units ±56924,818Top 2%2024 ACS 5-Year
Median gross rent ±$29$1,175Top 34%2024 ACS 5-Year
Median home value ±$10,306$206,500Top 45%2024 ACS 5-Year
Rent as a share of income24.1%Top 20%2024 ACS 5-Year
Vacancy rate14.3%Top 36%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
43/ 100
Ranks 1868 of 2,973 published city profiles
Permitting is decreasing, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has been broadly flat since 2020, at 51,065 in 2024.

Permitting has turned downward after moving the other way the year before.

77% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 1.6 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
82
12 months ending July 2026
Per 1,000 residents
1.6
Bottom 41% nationally
Year over year
−49%
vs the prior twelve months
Multifamily share
76.8%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202451k51k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
2020202120222023202420252116.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was higher than 2020 (+1470%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 16°F.

Normal annual precipitation is 40.7 inches, including 59.2 inches of snow.

0°20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ALBANY AP, 6.8 miles from this location.
Precipitation
JFMAMJJASOND4.5"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation40.7"1991-2020 Normals
Annual snowfall59.2"1991-2020 Normals
Average January low16°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing49°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

57 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, hurricane and heat wave.

Inland floodingElevated
HurricaneModerate
Heat waveModerate

Low or minimal exposure: hail, lightning, strong wind, tornado, landslide, ice storm, winter weather, earthquake, cold wave, avalanche, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Rensselaer County records 3.0 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 6.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 18.2 per 100,000 residents in Rensselaer County.

Homicide
3.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
6.9
per 100,000 residents · under 10 deaths
Drug overdose
18.2
per 100,000 residents · under 10 deaths
Suicide
10.0
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Rensselaer County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Troy rather than Troy itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 6 miles away.

AirportCodeDistanceLongest runway
Albany IntlALB6 mi8,500 ft
Westfield-Barnes RgnlBAF63 mi9,000 ft
Bradley IntlBDL75 mi9,510 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
55
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Other cities in Albany-Schenectady-Troy, NY

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
AlbanyAlbany County100,49261vs Troy
SchenectadySchenectady County68,84757vs Troy
Saratoga SpringsSaratoga County28,63175vs Troy
RotterdamSchenectady County22,695vs Troy
NiskayunaSchenectady County21,227vs Troy
CohoesAlbany County18,15963vs Troy
LathamAlbany County13,802vs Troy
East GlenvilleSchenectady County11,914vs Troy
RoesslevilleAlbany County10,968vs Troy
LoudonvilleAlbany County10,527vs Troy
WatervlietAlbany County10,28759vs Troy

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put Troy side by side with a similar place.

Troy vs PlattsburghTroy vs White SettlementTroy vs ChicopeeTroy vs Bethany

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Troy

2 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
1218053,479$75,85160
1218214,867$56,98453