Jefferson City, TN—37760
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Jefferson City, TN
As of Oct '25, the median home price in Jefferson City, TN is $300,000, with a year-over-year change of 2.1%. This indicates that home prices in Jefferson City, TN are increasing. According to Zillow, the 1-year price projection is 3.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $300,000 | 2.1% |
| Single Family | $301,000 | 2.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $209,000 | 2.0% |
3 Bed | $319,000 | 1.6% |
4 Bed | $359,000 | 1.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Jefferson City, TN
As of July '25, Rentcast reports the average rent in Jefferson City, TN is $1,750, with a year-over-year rent change of 14.4%. Per bedroom, the median rent as of July '25 in Jefferson City, TN is 2-bedrooms: $1,320, 3-bedrooms: $1,780, 4-bedrooms: $3,200. The most common rental property sizes in Jefferson City, TN are 2-bedroom and 3-bedroom, accounting for 58.3% and 21.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,750 | $1,750 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,380 | $1,320 |
| 3 Bed Rent | $1,800 | $1,780 |
| 4 Bed Rent | $3,200 | $3,200 |
% of Rental Stock
Property Listings — Jefferson City, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Jefferson City, TN is 55. This is a increase of 38.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $420,000 | 4.0% |
Listing Count | 67 | 33.0% |
| Listings as % of Homes | 0.7% | 33.0% |
Days on Market | 55 | 38.0% |
Demographics — Jefferson City, TN
As of the latest ACS Survey released in 2023, Jefferson City, TN has a population of 14,000, which has increased by 4.9% over the past 5 years. Jefferson City, TN is a moderately popular place for families, as children make up 20.5% of the population. The area has a moderately educated workforce, with 29.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,000 | 4.9% |
% Under 18 | 20.5% | -5.5% |
% Seniors | 15.0% | -11.2% |
% WFH | 4.8% | -21.3% |
% w/ College Degree | 29.5% | 63.9% |
As of the latest ACS Survey released in 2023, Jefferson City, TN is a predominantly white area, with 87.6% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Jefferson City, TN is hispanic, making up 6.8% of the population. Foreign-born residents account for 3.2% of the population in Jefferson City, TN, and this percentage has increased by 6.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.6% | -2.9% |
% Black | 2.2% | -31.2% |
% Hispanic | 6.8% | 38.8% |
% Asian | 0.8% | 33.3% |
% Foreign Born | 3.2% | 6.7% |
Mortgage and Risk — Jefferson City, TN
According to HUD data as of 2023, there were 274 mortgage originations in Jefferson City, TN, of which 65.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 36.0% above 90% LTV (very high). This implies large mortgage risk in Jefferson City, TN. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 274 |
% Conventional Loans | 65.0% |
% Government Loans | 35.0% |
% Investor Loans | 3.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Jefferson City, TN
Jefferson City, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 251 |
Total Units Section 8 | 53 |
% Rentals under Section 8 | 2.6% |
% Occupied Section 8 | 89.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $810 |
| 2 Bedroom | -$330 | $1,380 | $1,050 |
| 3 Bedroom | -$420 | $1,800 | $1,380 |
| 4 Bedroom | -$1,480 | $3,200 | $1,720 |
Affordability — Jefferson City, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $300,000 |
| Median Household Income | $61,600 |