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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, VT Housing Affordability Index

Troy, Vermont has an MBR Housing Affordability Index score of 152.5 (Highly Affordable) as of October 30, 2026, ranking 8th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $187,500 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,026, or 13% of the city’s $91,688 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Troy is updated every night from live Vermont 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 152.5 Highly Affordable
Rank in Vermont 8 of 133 1 = most affordable
Vermont 89.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Vermont lenders
Median home value $187,500 U.S. Census Bureau

Troy is 62.7 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Troy Mortgage Rates

What It Takes to Buy in Troy

$1,026/mo
Principal & Interest
Median home, 20% down, 7.28%
$44,000
Income Needed
To keep the payment at 28% of income
$91,688
Median Household Income
Vermont: $81,203
2.0x
Price-to-Income Ratio
Vermont: 3.9x
$672/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,650/yr
Median Property Tax
1.41% of median value
28.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Troy, Vermont. The rate is the Vermont 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, Vermont score: 152.5 (Highly Affordable), ranked 8 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/troy”