Why Move to Troy?
Troy is a small town of 985 people in Lincoln County County, sitting at 1,909 feet in elevation. Known as "The Yaak River Gateway," it combines the best of Montana living — stunning natural beauty, outdoor recreation, and a strong community — with authentic small-town charm.
Montana has no state sales tax and no tax on retirement income, making it financially attractive for both working professionals and retirees. Troy specifically offers 98 recreation and attraction sites nearby, a housing affordability ratio of 10.8x, and four distinct seasons.
Cost of Living in Troy
The typical home value in Troy is $396,411, with homes currently listing at a median of $573,967. Renters can expect to pay around $573 per month. The median household income is $36,641.
The affordability ratio (home price ÷ income) is 10.8x, which is on the expensive side, reflecting strong demand.
Montana has no state sales tax, which saves residents money on everyday purchases. The state also has no tax on Social Security or other retirement income. Property taxes are moderate, based on assessed value.
Troy Housing Market
There are currently 48 homes for sale in Troy — up 2.1% from last year, indicating a loosening market. The community has 388 total housing units with a 17.3% vacancy rate, suggesting more options and negotiating room for buyers.
Inventory data from Zillow Research (Jan 2026). Vacancy & housing units from U.S. Census Bureau ACS 5-Year 2019–2023. Market conditions change — verify current listings before making decisions.
See detailed housing data and percentile rankings on the full Troy profile.
Troy Weather & Climate
Troy experiences four distinct seasons. Summers are warm with July highs averaging 86°F. Winters are relatively mild with January lows around 23°F. Expect about 24" of snow annually.
| Month | Avg High | Avg Low | Precip | Snow |
|---|---|---|---|---|
| Jan | 38°F | 23°F | 2.2" | 4.8" |
| Feb | 36°F | 18°F | 2.3" | 5.2" |
| Mar | 48°F | 26°F | 1.5" | 2.2" |
| Apr | 56°F | 33°F | 2.1" | 2.3" |
| May | 67°F | 44°F | 2.8" | 0.3" |
| Jun | 75°F | 52°F | 2.4" | 0" |
| Jul | 86°F | 58°F | 0.5" | 0" |
| Aug | 84°F | 58°F | 1.2" | 0" |
| Sep | 74°F | 50°F | 1.7" | 0.1" |
| Oct | 58°F | 38°F | 2.3" | 1.4" |
| Nov | 44°F | 30°F | 2.7" | 3" |
| Dec | 38°F | 25°F | 2.5" | 5.1" |
Outdoor Recreation Near Troy
Troy has access to 98 recreation and attraction sites spanning 15 categories. Glacier National Park (West Glacier) is just 88 miles away. For skiing, Turner Mountain is 28 miles from town.
Top Nearby Attractions
- Kootenai National Forest (National Forest) — 23 miles
- Turner Mountain (Ski Area) — 28 miles
- Lake Koocanusa Scenic Byway (Scenic Drive) — 32 miles
- Cabinet Mountains Wilderness (Wilderness) — 37 miles
- Chair 3 Tenderfoot (Ski Area) — 70 miles
- Heratage T-Bar (Intermittent) (Ski Area) — 70 miles
- Whitefish Mountain Resort (Ski Area) — 71 miles
- Snow Making Ponds (Ski Area) — 71 miles
Rivers
Kootenai River is within reach for fishing, floating, and kayaking.
Lakes
Nearby lakes include Lake Koocanusa, Noxon Reservoir, Hawkins Lakes, Okaga Lake, Burke Lake.
Explore all 98 recreation sites on the full Troy profile.
Jobs & Economy in Troy
Troy has an unemployment rate of 1.9%, which is at or below the state average — indicating a healthy local job market. The labor force participation rate is 60.2%.
The top industries by employment are Tourism & Hospitality (18.4%), Education & Healthcare (17.6%), Construction (13%). Approximately 353 residents are employed locally.
Employment by Industry
| Industry | Share of Employment |
|---|---|
| Tourism & Hospitality | 18.4% |
| Education & Healthcare | 17.6% |
| Construction | 13% |
Montana has no state sales tax and no tax on retirement income, making it attractive for both workers and retirees.
Employment and industry data from U.S. Census Bureau ACS 5-Year 2019–2023. Current conditions may differ.
Schools & Education
Troy is served by the Troy Public Schools school district with approximately 350 students enrolled. The high school graduation rate is 85%, which is near the Montana state average of ~87%.
Graduation rates from OPI/NCES 2022–23. Per-pupil spending from Montana OPI fiscal data.
Healthcare in Troy
The nearest hospital is Cabinet Peaks Medical Center in Libby, 16.4 miles away. For advanced or emergency care, Logan Health Medical Center in Kalispell (Level 3 Trauma Center) is 74.7 miles away.
Hospital data from MT DPHHS 2024. Verify services directly with facilities.
Getting to Troy
Troy is accessible via the following airports:
- Bozeman Yellowstone Intl — 348 miles (363 min drive)
- Billings Logan Intl — 469 miles (484 min drive)
- Missoula Intl — 163 miles (178 min drive)
- Glacier Park Intl (Kalispell) — 91 miles (106 min drive)
- Great Falls Intl — 264 miles (279 min drive)
Pros & Cons of Living in Troy
Pros
- No state sales tax
- Strong outdoor recreation access
- Low unemployment (1.9%)
- Milder winters than eastern Montana
- Skiing at Turner Mountain (28 mi)
- Near Glacier National Park (West Glacier)
- Authentic small-town community
- No state income tax on retirement
Cons
- Cold winters
- Housing costs above national average
- Limited housing inventory
- Limited shopping and dining options
- Distance from major metro areas
- Airport is a significant drive
Frequently Asked Questions
What is the cost of living in Troy, Montana?
The typical home value is $396,411 and rent averages $573/month. The median household income is $36,641. Montana has no state sales tax, which helps offset costs.
What are winters like in Troy?
January lows average 23°F with about 24" of annual snowfall. Compared to eastern Montana, winters here are relatively mild.
Is Troy a good place to live?
Troy offers 98 nearby recreation sites, a higher affordability ratio of 10.8x, and four distinct seasons. It's 88 miles from Glacier National Park (West Glacier). Montana's lack of sales tax and retirement income tax are significant benefits.
How many homes are for sale in Troy?
As of early 2026, there were 48 homes for sale in Troy, up 2.1% from the prior year. The community has 388 total housing units with a 17.3% vacancy rate (Census ACS 2019–2023). Check Zillow or local MLS for the most current listings.
What is the job market like in Troy?
Troy has a 1.9% unemployment rate, which is at or below the state average. Labor force participation is 60.2%. About 353 residents are employed locally. The leading industry is tourism & hospitality. Montana has no state sales tax, which benefits both businesses and consumers.
How are the schools in Troy?
The Troy Public Schools school district has a graduation rate of 85%, near the state average. Approximately 350 students are enrolled.
What healthcare is available in Troy?
The nearest hospital is Cabinet Peaks Medical Center in Libby (16.4 miles). The nearest major trauma center is Logan Health Medical Center in Kalispell, 74.7 miles away. There are 1 hospitals within 60 miles.
Where is the nearest skiing to Troy?
Turner Mountain is 28 miles from Troy. The area receives about 24" of snow annually.