Troy

Cheshire County•Monadnock Region•Population: 2,130

Overview

Troy is a small mill town in the Monadnock Region of Cheshire County, sitting at the base of Mount Monadnock's southern approach trails. The town's compact downtown reflects its 19th-century manufacturing history, centered on a small mill pond.

Troy's proximity to Mount Monadnock makes it a quieter alternative to the busier trailheads in Jaffrey, while the town's small size keeps commercial development modest. A handful of local businesses serve the surrounding rural community.

Housing in Troy remains among the more affordable options in the Monadnock Region, drawing families and value-seekers who want mountain access without the costs of towns closer to Peterborough.

Pros & Cons

✓ Pros

•Mountain access
•Affordable
•Small-town feel
•Historic mill pond

✗ Cons

•Limited jobs
•Mill town past
•Small population

Cost of Owning Here

Official property tax rates published by the NH Department of Revenue Administration, plus estimated tax bills for Troy.

2025 Local Tax Rate

$21.54

per $1,000 assessed value

2025 Effective (Equalized) Rate

$18.50

Equalization ratio: 86%

Municipal

$8.90

Local School

$9.03

State Education

$1.17

County

$2.44

Why "Effective Rate" is a better comparison

New Hampshire towns do not all assess property at the same percentage of market value. The state publishes an annual equalization ratio for every municipality showing how close local assessments are to full market value. A town that assesses homes at only 64% of market value will show an artificially high tax rate compared to a town that assesses at 100%. Multiplying the local rate by the equalization ratio produces an effective (equalized) rate that can be fairly compared across any two towns in the state.

Year	Total Rate	Effective Rate	Municipal	Local School	State Ed.	County
2025	$21.54	$18.50	$8.90	$9.03	$1.17	$2.44

Source: NH DRA

Example Tax Bills for 2025

Home Value	Estimated Annual Tax	Estimated Monthly
$250,000	$5,385	$449
$350,000	$7,539	$628
$500,000	$10,770	$898
$750,000	$16,155	$1,346
$1,000,000	$21,540	$1,795

Estimates calculated using the 2025 local tax rate of $21.54 per $1,000 of assessed value. Actual tax bills depend on your property's specific assessed value and any exemptions or credits you may qualify for.

Open Full Calculator →Compare With Other Towns →View Statewide Rankings →

Climate & Environment

Summer Avg High

77.2°F

Winter Avg High

34°F

Annual Snowfall

59.2 in

Annual Rainfall

49.6 in

Sunny Days/Year

268

Data source: Open-Meteo / ERA5 • Updated 7/4/2026

Transportation & Commute

Commute to Major Cities

Boston

91 mi

~117 min drive

Manchester

50 mi

~95 min drive

Portsmouth

109 mi

~139 min drive

Concord

61 mi

~95 min drive

Data source: OpenRouteService / OpenStreetMap • Updated 7/3/2026

Safety & Crime

Safety Score

9/10

Crime Rate

5.16/1,000

Crime Trend

stable

Data source: FBI Crime Data Explorer (UCR) - https://cde.ucr.cjis.gov/ • Updated 8/12/2026

Recreation & Outdoors

Outdoor Recreation Score

30/100

Trail Miles

20.6

Boat Launches

State Parks

Winter & Camping

Snowmobile Trails:11 miles

XC Ski Trails:0 miles

Campgrounds:1

Economy & Demographics

💰Income

Median Household Income

$57,500

Per Capita Income

$34,622

Median Family Income

$80,430

🏠Housing Costs

Median Home Value

$184,100

Median Rent

$927/mo

Homeownership Rate

69.26%

💼Employment

Unemployment Rate

5.14%

In Labor Force

1,031

🎓Education

Bachelor's Degree or Higher

18.25%

Total with Degree

258

👥Demographics

Median Age

39.6 years

Avg Household Size

2.49 people

Data source: Census ACS 2022 (5-Year) • Census Data Year: 2022 • Updated 7/3/2026

Condo Communities in Troy

one registered condo association — offering active low-maintenance living options.

One condo association▼

🏢South Street A Condominium(6 units)

Median Income

$92k

history buffsfamilies

Compare Troy with Other Towns

See how Troy stacks up against other NH communities.

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