The Town FilesTroy, Montana
City in Lincoln County · population 797 (2020 Census)
- Median home
- $257,600
- Household income
- $32,250
- Jan low / Jul high
- 23° / 87°
- Snow a year
- 48 in
- Tornadoes ≤10 mi since 1950
- 0
- Median age
- 34.3
Troy is a city of 797 people in Lincoln County, Montana. The median home is worth $257,600, close to the typical Montana town ($249,800). It ranks hipper than 82% of Montana towns, better for a vacation home than 79% of Montana towns, quieter than 77% of Montana towns.
How Troy ranks
Percentile among Montana towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Montana towns.
Homes and cost of living
The median home in Troy is worth $257,600, close to the typical Montana town ($249,800). Homes cost about 8.0 times the median household income of $32,250, which is more affordable than 9% of Montana towns. Median rent is $750 a month. 72.7% of households own their home.
| Housing | Troy | Typical Montana town |
|---|---|---|
| Median home value | $257,600 | $249,800 |
| Median rent | $750 | $893 |
| Median household income | $32,250 | $63,249 |
| Home value ÷ income | 8.0× | 4.2× |
| Homeownership | 72.7% | 70.7% |
| Median year built | 1966 | 1978 |
| Seasonal / vacation homes | 2.1% | — |
Who lives in Troy
| People | Troy | Typical Montana town |
|---|---|---|
| Median age | 34.3 | 40.6 |
| Age 65 and over | 19.6% | 19.6% |
| Under 18 | 37.9% | — |
| Bachelor's degree or higher | 6.0% | 25.0% |
| Below the poverty line | 39.8% | 10.9% |
| Veterans | 11.3% | — |
| Born outside the U.S. | 1.3% | — |
| Work from home | 4.4% | 8.5% |
| Average commute | 21.5 min | 19.1 min |
| Homes with broadband | 86.6% | 86.6% |
Weather in Troy
July highs average 86.7°F and January lows 22.9°F. About 24.4 inches of rain and melted snow fall a year, with 48.2 inches of snow (typical Montana town: 44.0 in). Expect about 34 days a year at 90°F or hotter and 152 nights at or below freezing.
Tornadoes, storms and disasters
NOAA's Storm Events Database has no tornado within 10 miles of Troy since 1950.
Hail of 1 inch or larger has been reported within 10 miles 1 times; the largest was 1.00 inches on July 18, 2016.
Severe weather in Lincoln County since 1996
Lincoln County has been included in 14 federal disaster or emergency declarations since 1953, most often for fire, flood, drought.
| Declared | Incident | Declaration |
|---|---|---|
| April 7, 2026 | Flood | DR-4901: Severe Storms And Flooding |
| April 7, 2026 | Straight-Line Winds | DR-4902: Severe Winter Storm And Straight-Line Winds |
| December 19, 2025 | Flood | EM-3630: Severe Storms And Flooding |
| March 31, 2020 | Biological | DR-4508: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3476: Covid-19 |
Jobs and pay in Lincoln County
Lincoln County had 6,260 jobs in 2024, paying an average of $47,582 a year. Unemployment was 5.2% in 2023; in Troy itself the ACS puts it at 2.4%.
Public schools in Troy
4 public schools with 403 students, about 13.9 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| W F Morrison School | PK-6 | 197 | 15.2 |
| Troy High School | 9-12 | 138 | 13.8 |
| Troy 7-8 | 7-8 | 50 | 8.3 |
| McCormick School | PK-8 | 18 | — |
Towns near Troy
- Libby, MT16.1 mi · 2,775 people · home $257,400
- Pioneer Junction, MT19.8 mi · 902 people · home $321,600
- Moyie Springs, ID23.0 mi · 822 people · home $356,800
- Clark Fork, ID25.2 mi · 513 people · home $251,700
- Bonners Ferry, ID25.3 mi · 2,520 people · home $281,400
Troy questions
Is Troy, Montana a good place to retire?
On The Town Files lifestyle rankings, Troy scores better for retirees than 33% of Montana towns and quieter than 77%. 19.6% of residents are 65 or older (median age 34.3).
How much does a house cost in Troy?
The median owner-occupied home in Troy is valued at $257,600 (Census ACS 2020–2024), against a median household income of $32,250, so homes cost about 8.0 times income. Median rent is $750 a month.
What is the weather like in Troy?
July highs average 86.7°F and January lows 22.9°F (NOAA 1991–2020 normals). It gets about 24.4 inches of precipitation a year and 48.2 inches of snow.
Does Troy get tornadoes?
No tornado has been recorded within 10 miles of Troy in NOAA's Storm Events Database since 1950.
- 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)