HomeMissouriLincoln CountyTroy
Troy, Missouri: commercial real estate data.
Troy is a Census city of 13,947 people across 7.72 square miles of land, in Lincoln County. Median household income is $79,012, 69.9 percent of occupied homes are owned, and the SBA record carries 16 7(a) approvals to borrowers here worth $9.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Troy
What Troy is
- Census place typecity
- Land area7.72 sq mi
- Water area0.04 sq mi
- Population per square mile of land1,807
- County holding the largest share of its areaLincoln County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Troy
How many people live in Troy
- Population13,947
- Median age35.2
- Population under 183,825
- Share under 1827.4 percent
- Population 65 and over2,050
- Share 65 and over14.7 percent
- Households5,138
- Family households3,773
- Share of households that are families73.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Troy
Income and work in Troy
- Median household income$79,012
- Per capita income$32,005
- Civilian labor force7,070
- Employed6,904
- Unemployed166 plus or minus 112
- Unemployment rate2.3 percent plus or minus 1.6
- Adults 25 and over9,153
- Adults 25 and over with a high school diploma or higher91.7 percent
- Adults 25 and over with a bachelor degree or higher14.7 percent plus or minus 3.5
- Adults 25 and over with a graduate degree3.2 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Troy
Housing in Troy
- Housing units5,183
- Occupied units5,138
- Vacant units45 plus or minus 62
- Vacancy rate0.9 percent plus or minus 1.2
- Owner occupied3,589
- Renter occupied1,549 plus or minus 337
- Ownership rate69.9 percent
- Median owner-occupied home value$226,500
- Median gross rent, monthly$1,033
- Annual rent as a share of median income15.7 percent plus or minus 3.8
- Single family units4,371
- Share single family84.3 percent
- Units in buildings of two or more691 plus or minus 240
- Share in buildings of two or more13.3 percent plus or minus 4.6
- Mobile homes121 plus or minus 84
- Median year structure built2000
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Troy
How Troy gets to work
- Workers 16 and over who commute5,910
- Commuting under 15 minutes1,595 plus or minus 375
- Share commuting under 15 minutes27.0 percent plus or minus 5.8
- Commuting 30 minutes or more2,777 plus or minus 578
- Share commuting 30 minutes or more47.0 percent
- Drove alone74.0 percent
- Carpooled10.4 percent plus or minus 5.8
- Public transport0.1 percent plus or minus 0.1
- Walked1.3 percent plus or minus 0.8
- Worked from home12.5 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Troy
SBA loans in Troy (7(a))
- Approvals16
- Gross approval$9,002,800
- Average approval$562,675
- Median approval$200,000
- Largest approval$3,100,000
- Jobs supported184
- Jobs per approval11.5
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more18.8 percent
- Share to franchises6.3 percent
- Distinct lenders14
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Troy, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Troy
SBA loans in Troy (504)
- Approvals2
- Gross approval$2,032,000
- Average approval$1,016,000
- Median approval$1,016,000
- Largest approval$1,800,000
- Jobs supported32
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Troy, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Troy
Flood risk in Troy
- NFIP communityCity of Troy
- NFIP community number290641
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/05/18
The City of Troy participates in the National Flood Insurance Program as community 290641 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lincoln County, not Troy
Lincoln County context, not Troy figures
- Establishments in Lincoln County1,010
- Covered employment, Lincoln County12,799
- Average annual pay, Lincoln County$53,839
- Housing units permitted, Lincoln County151
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Troy.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Troy questions, answered from the record.
How many people live in Troy, Missouri?
13,947, in 5,138 households. Troy city covers 7.72 square miles of land, which is 1,807 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Troy in?
Lincoln County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Troy?
$79,012. The median owner-occupied home is valued at $226,500. Median gross rent is $1,033 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Troy businesses?
16 7(a) approvals totaling $9.0 m since FY2020, across 14 lenders, median approval $200,000, plus 2 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Troy, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Troy borrowers get paid back?
No rate is published for Troy. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Troy in the National Flood Insurance Program?
Yes. Troy appears in the FEMA Community Status Book as Troy, city of, community 290641, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Troy figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lincoln County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Troy.
Is zoning published for Troy?
No. Nothing on this page presents parcel level zoning.