ZIP Code 05868 — Troy CDP, VT Demographics & Data

ZIP code 05868 covers Troy, VT in Orleans County with a population of about 59.

At a glance, the area shows median age of 66.6 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Troy, VT reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.6%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 05868 is about $51,979 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 37.3% of adults with a bachelor’s degree or higher (about 3.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Real estate; a mean commute of about 24.0 minutes (U.S. average near 26.8).

Median home value is about $179,200 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05868 in Troy, VT, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,151. That is roughly in line with the local median household income ($51,979). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Troy CDP, VT as Very Low (composite score 36.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (67.3) and flood (60.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Troy CDP, VT show little to no average snow.

IRS migration statistics show a net inflow of about 3 for ZIP 05868 (Troy CDP, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.