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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Troy, KS Housing Affordability Index

Troy, Kansas has an MBR Housing Affordability Index score of 164.4 (Highly Affordable) as of October 30, 2026, ranking 343rd most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $108,100 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $593, or 14% of the city’s $52,232 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Troy is updated every night from live Kansas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Troy MBR-HAI 164.4 Highly Affordable
Rank in Kansas 343 of 542 1 = most affordable
Kansas 120.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Kansas lenders
Median home value $108,100 U.S. Census Bureau

Troy is 44.4 points above the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Troy Mortgage Rates

What It Takes to Buy in Troy

$593/mo
Principal & Interest
Median home, 20% down, 7.31%
$25,400
Income Needed
To keep the payment at 28% of income
$52,232
Median Household Income
Kansas: $74,275
2.1x
Price-to-Income Ratio
Kansas: 2.9x
$686/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,731/yr
Median Property Tax
1.60% of median value
8.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Troy, Kansas. The rate is the Kansas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Troy Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Troy, Kansas score: 164.4 (Highly Affordable), ranked 343 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/troy”