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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, NH Housing Affordability Index

Troy, New Hampshire has an MBR Housing Affordability Index score of 130.8 (Highly Affordable) as of October 30, 2026, ranking 4th most affordable of 82 scored New Hampshire cities, compared with 86.3 statewide and 97.4 nationally. On a median-priced $204,600 home with 20% down, the New Hampshire average 30-year fixed rate of 7.35% means a monthly principal and interest payment of about $1,128, or 14% of the city’s $96,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Troy is updated every night from live New Hampshire 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 130.8 Highly Affordable
Rank in New Hampshire 4 of 82 1 = most affordable
New Hampshire 86.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.35% New Hampshire lenders
Median home value $204,600 U.S. Census Bureau

Troy is 44.5 points above the New Hampshire score. Scores as of October 30, 2026. See the New Hampshire index

View Troy Mortgage Rates

What It Takes to Buy in Troy

$1,128/mo
Principal & Interest
Median home, 20% down, 7.35%
$48,300
Income Needed
To keep the payment at 28% of income
$96,250
Median Household Income
New Hampshire: $99,031
2.1x
Price-to-Income Ratio
New Hampshire: 4.1x
$1,635/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,204/yr
Median Property Tax
2.54% of median value
25.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
32.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Troy Ranks in New Hampshire

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Cite the Troy Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Troy, New Hampshire score: 130.8 (Highly Affordable), ranked 4 of 82 New Hampshire cities. monitorbankrates.com/housing-affordability-index/new-hampshire/troy”