Living in Troy Texas - New Construction Homes with LOW Property Taxes
If you’re dreaming of escaping the hustle and bustle of city traffic for a more relaxed lifestyle filled with small-town charm, spacious living, and incredible Texas-sized value, then Troy, Texas might just be your perfect destination. Nestled just 10 minutes north of Temple, Troy is a hidden gem in Central Texas that offers a fantastic blend of modern new construction homes, affordable townhomes, and luxury living—all with the benefit of low property taxes.
In this comprehensive guide, we’ll take you on a detailed tour of three of the best new construction homes in Troy, Texas, explore the lifestyle and amenities of the area, and explain why so many families and buyers are choosing Troy for their next home. Whether you’re a first-time buyer, a family looking for room to grow, or someone seeking a quiet community close to major city conveniences, this article will give you all the insights you need.
Table of Contents
- Introduction to Homes for Sale in Troy, Texas
- Tour of Turtle Creek Community: New Construction Homes Under $400K
- River Oaks Estates Luxury Home Tour with In-Ground Pool and Large Lot
- College Park Townhomes Walkthrough: Affordable Entry-Level Living
- Overview of Troy ISD Schools and Top-Rated Education
- Best Local Dining, Shopping, and Amenities Near Troy TX
- Why You Should Move to Troy Texas: Lifestyle, Taxes, and Community
- FAQs About Living in Troy Texas and New Construction Homes
- Conclusion
Introduction to Homes for Sale in Troy, Texas
Living in Troy, Texas means trading in the congestion and noise of city life for a peaceful, friendly community where neighbors wave hello and kids ride their bikes after dinner. It’s a place where you can enjoy more home for your money, lower property taxes, and a slower pace without sacrificing access to essential shopping, dining, and medical services. Located just minutes from Temple and Belton, and within an hour of Austin, Troy offers the perfect balance of small-town warmth and big-city convenience.
Today, we’ll explore three new construction opportunities that highlight the diversity of housing options available in Troy—from affordable townhomes to luxury homes with pools and sprawling yards. Along the way, we’ll also touch on the excellent schools in the Troy Independent School District (ISD), local dining favorites, and why this community continues to attract new residents.
Tour of Turtle Creek Community: New Construction Homes Under $400K
Our first stop is the Turtle Creek Community, a master-planned neighborhood in Troy known for its quality craftsmanship, smart floor plans, and upscale finishes—all offered at an affordable price point. This neighborhood is bustling with new builds, primarily by Carother Homes, but several other reputable builders are active here as well.
The homes in Turtle Creek are perfect for families looking for spacious living with a touch of elegance. Prices range from the high $369,000 to the low-to-mid $400,000s, making this community an excellent option for buyers seeking value without compromising on style or quality.
- Square Footage and Layouts: Generous in size with open-concept living spaces that encourage family togetherness and entertaining.
- Exterior Appeal: Beautiful curb appeal with a mix of stone and brick facades that create a welcoming, upscale look.
- Interior Features: Crown molding throughout the main living areas, upgraded light fixtures, and ceramic wood-like tile flooring that adds warmth and durability.
One standout home features a stunning kitchen with honey oak cabinets, an oversized center island perfect for meal prep or casual dining, and modern pendant lighting paired with a sleek backsplash. This kitchen overlooks a spacious living area boasting cathedral ceilings and a cozy wood-burning fireplace, creating an elegant yet comfortable atmosphere.
The primary bedroom is generously sized and outfitted with recessed lighting, while the primary bathroom includes a large soaking tub, walk-in shower, dual vanities, and a spacious walk-in closet. The backyard offers a small covered patio, a full sprinkler and irrigation system, and a privacy fence—ideal for enjoying quiet evenings outdoors or for pet owners.
Currently, the builders in Turtle Creek are offering attractive incentives, making it a great time to buy. Whether you’re a growing family or simply seeking a peaceful new home with plenty of space, Turtle Creek is a fantastic community to consider.
River Oaks Estates Luxury Home Tour with In-Ground Pool and Large Lot
Next, we visit a stunning luxury new construction home in the established River Oaks Estates community. Built by the renowned Jarolik Homes, this property was featured in this year’s Parade of Homes and truly stands out for its character, spaciousness, and premium features.
This four-bedroom, two-bath home boasts approximately 2,285 square feet of expertly designed living space. But what really sets this property apart is the oversized lot—nearly three-quarters of an acre—offering a wonderful sense of privacy and room to roam. The backyard features a beautiful in-ground pool, perfect for cooling off during the hot Texas summers or hosting memorable gatherings.
The interior is flooded with natural light thanks to an abundance of windows thoughtfully placed throughout the home. The kitchen is a chef’s dream, equipped with two-toned painted cabinets that add modern flair, quartz countertops, stainless steel appliances, and a large island for cooking and socializing. One notable feature: this home has no carpet, instead opting for luxury vinyl plank flooring throughout, which is both stylish and easy to maintain.
It’s important to note that this home uses a septic system rather than city sewer, which is common for properties with larger lots in the area. The primary bathroom continues the luxury theme with dual vanities, a soaking tub, walk-in shower, and an oversized closet with plenty of storage.
Priced just over $600,000, this River Oaks Estates home offers a glimpse into luxury living in Troy. It provides a great comparison to the more entry-level homes in the area, showing the range of options available to buyers looking for new construction.
College Park Townhomes Walkthrough: Affordable Entry-Level Living
If low-maintenance living with a modern touch appeals to you, College Park’s townhomes are worth exploring. These townhomes are perfect for first-time buyers, investors, or anyone seeking move-in ready homes in a quiet setting.
Priced just over $200,000, these homes offer excellent value with smart floorplans featuring three bedrooms and two bathrooms, and over 1,000 square feet of thoughtfully designed living space. Many units have vinyl plank flooring, while others feature sand and seal concrete flooring that is both durable and easy to maintain.
The yards are fully sodded and include privacy fences and irrigation systems, giving residents a private outdoor space without the hassle of extensive upkeep. The kitchens are modern and functional, equipped with stainless steel appliances, including microwave, stove, and dishwasher. Ceiling fans in both the master suite and family room provide year-round comfort.
These townhomes offer a great entry point into the Troy market, combining affordability with style and convenience.
Overview of Troy ISD Schools and Top-Rated Education
One of the biggest draws for families moving to Troy is the excellent reputation of the Troy Independent School District (ISD). Known for smaller class sizes and strong student-teacher relationships, Troy ISD consistently scores well academically and enjoys robust community support.
The district includes Troy Elementary, Middle, and High School, each fostering a close-knit environment where students thrive both in and out of the classroom. Community spirit shines brightly here, with enthusiastic support for Friday night football games, band performances, and FFA (Future Farmers of America) events.
Best Local Dining, Shopping, and Amenities Near Troy TX
Living in Troy gives you the best of both worlds: the quiet and space of a small town with easy access to a wide range of amenities. Locally, you can enjoy favorites like Jalisco’s Mexican Restaurant and Ernie’s Fried Chicken, known for their delicious flavors and welcoming atmosphere.
For everyday errands or a night out, the nearby city of Temple is just a 10-minute drive south. Temple offers an abundance of dining options, including BJ’s, Olive Garden, Bird Creek Burgers, Pignetti's, and many more. Shopping is also convenient with stores like Target, Walmart, H-E-B, and the Temple Mall.
Temple also hosts the full Scott and White medical system, providing top-tier healthcare services close to home. If you’re curious about more details on Temple, there are great resources and tours that can showcase what this vibrant city has to offer.
Belton, another nearby city, offers historic downtown charm, local breweries, and lakeside activities for outdoor enthusiasts. Plus, if you’re looking for a bigger city experience, Austin is just an hour south of Troy, while Waco is about 30 minutes north—both perfect for day trips or weekend adventures.
Why You Should Move to Troy Texas: Lifestyle, Taxes, and Community
So, why are so many people choosing to relocate to Troy, Texas? The answer lies in the lifestyle, affordability, and community spirit the town offers:
- More Home for Your Dollar: Troy offers spacious homes and lots at prices significantly lower than many other Central Texas areas.
- Low Property Taxes: One of the biggest advantages of living in Troy is the lower property tax rate, which means more savings for homeowners.
- Tight-Knit Community: This is a place where neighbors know each other, kids play safely outside, and community events bring everyone together.
- Room to Grow: Whether you’re starting a family or looking for space to spread out, Troy’s larger lot sizes and new construction options provide plenty of room.
- Convenient Location: Just 10 minutes from Temple and Belton, you’re never far from shopping, dining, medical care, and entertainment.
Living in Troy Texas means embracing a lifestyle where life slows down just enough to enjoy the simple pleasures, without feeling disconnected from modern conveniences.
FAQs About Living in Troy Texas and New Construction Homes
What types of new construction homes are available in Troy, Texas?
Troy offers a variety of new construction homes, including affordable townhomes ideal for first-time buyers, mid-range single-family homes in master-planned communities like Turtle Creek, and luxury homes with large lots and premium features in neighborhoods like River Oaks Estates.
How are property taxes in Troy compared to other areas in Central Texas?
Property taxes in Troy are notably lower than many other Central Texas communities. This makes owning a home here more affordable over the long term, providing significant savings compared to cities like Austin or even nearby Temple.
What schools serve the Troy Texas area?
Troy ISD includes Troy Elementary, Middle, and High Schools. The district is known for strong academic performance, smaller class sizes, and excellent community support, making it a popular choice for families.
Is Troy close to major cities and amenities?
Yes. Troy is conveniently located just 10 minutes from Temple and Belton, both offering extensive shopping, dining, and healthcare options. Austin is about an hour south, and Waco is 30 minutes north, providing easy access to larger city amenities when needed.
Are there incentives for buying new construction homes in Troy?
Builders in communities like Turtle Creek are currently offering attractive incentives to buyers, which can include upgrades or financial assistance, making it a great time to consider purchasing new construction in Troy.
What is the lifestyle like in Troy Texas?
Troy offers a small-town, family-friendly lifestyle with a strong sense of community. It’s a place where neighbors wave hello, kids play outside safely, and life moves at a comfortable pace. At the same time, residents enjoy modern conveniences and easy access to nearby cities.
Conclusion
Living in Troy Texas' BEST New Construction Homes with LOW Property Taxes offers a unique opportunity to enjoy the best of Central Texas living. From affordable townhomes to luxurious custom homes with pools and expansive yards, Troy provides options for a wide range of buyers.
With the added benefits of excellent schools, a welcoming community atmosphere, convenient access to shopping and healthcare, and lower property taxes, Troy is a compelling choice for anyone looking to relocate or invest in Central Texas real estate.
If you’re considering making Troy your home, now is a fantastic time to explore the new construction opportunities available. Whether you want to build your dream home on a piece of land or move into a stylish townhome, Troy has something for everyone.
For more detailed information, resources, and listings, you can visit LivingInCTX.com where you’ll find interactive maps, market stats, home tours, and a free relocation guide to help you plan your move with confidence.
Welcome to Troy, Texas—where your next chapter awaits!

Aundrea Dudik
With over 150 clients served in Central Texas real estate, Aundrea helps her buyers navigate relocating seamlessly. Known for her expertise, she has a lot of valuable insights on her YouTube channel to make moving to Central texas a hassle-free experience.