Real Estate Investing in Troy, Montana

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 3,359 • Lincoln County

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Should you buy in Troy, MT? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 31.7% of homes vacant — above national norms.

What’s happening in Troy, MT?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.3% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $421,850
Avg Monthly Rent $1,071
ZIP Codes 1

Investing in Troy Real Estate

This is a distressed-leaning corner of Montana: Troy has 1 ZIPs and a sizable population, and the investment math only works for investors who truly understand the market.

Across Troy's 1 ZIPs, fundamentals run thin: thin appreciation, soft rents, and demographic trends that don't obviously reverse in the medium term.

The $1,071/mo / $422K relationship in Troy looks muted once vacancy and capex are incorporated into underwriting. seems to the realized yield tends to disappoint.

Distressed-leaning demographics in Troy — soft income growth, high rent burden, population shifts — are among the reasons the ★★★☆☆ rating sits where it does.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

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Avg Home Value
$421,850
Avg Monthly Rent
$1,071
1% Rule
✗ Below
Landlord Friendly (MT)

ZIP Codes in Troy, MT

Screen every ZIP in Troy

Filter Troy’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Troy, MT

What is the best play in Troy, MT?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Troy, MT. The numbers - $422K homes against $1,071/mo rents - support that play.

Are there empty rentals in Troy, MT?

Troy, MT carries elevated vacancy risk. Expect consistent absorption at market rents of $1,071/mo.

How much do tenants pay in Troy, MT?

The typical rental in Troy, MT commands about $1,071/mo monthly. That rent profile even-keeled cash flow against the $422K purchase basis.

Is Troy, MT good for landlords?

Troy, MT operates under MT law, which is landlord-friendly overall for landlords. Expect reliable treatment in typical lease and eviction cases.

What is the typical renter like in Troy, MT?

The renter base in Troy, MT is reasonable for the $1,071/mo price point. Screening well and pricing to market typically yields even-keeled tenants.

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