HomeMissouriLincoln CountyTroy city
Troy city, Missouri: commercial real estate data.
Troy city 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.
76 sourced place values · tier FULL · 8 sections · 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$215,000
- Ninetieth percentile approval$1,406,900
- 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
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$1,800,000
- Largest approval$1,800,000
- Jobs supported32
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lincoln County, not Troy
Lincoln County context, not Troy figures
These are Lincoln County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Troy measurements.
- Establishments in Lincoln County1,010
- Employment at those establishments, Lincoln County10,229
- Covered employment, Lincoln County12,799
- Average annual pay, Lincoln County$53,839
- Average weekly wage, Lincoln County$1,035
- Housing units permitted, Lincoln County151
- Of those, single family, Lincoln County121
- County product, 2024, Lincoln County$1,859,183,000
- County product change over the prior year, Lincoln County7.0 percent
- Average income of an arriving household, Lincoln County$68,815
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Troy. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $9.0 m, across 14 lenders, median approval $215,000, plus 2 504 approvals worth $2.0 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Troy figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.