Jefferson City, MO—65109
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Jefferson City, MO
As of Oct '25, the median home price in Jefferson City, MO is $268,000, with a year-over-year change of 4.9%. This indicates that home prices in Jefferson City, MO are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $268,000 | 4.9% |
| Single Family | $267,000 | 5.5% |
| Condos | $297,000 | 5.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $203,000 | 6.8% |
3 Bed | $252,000 | 5.9% |
4 Bed | $343,000 | 3.9% |
| 5 Bed | $456,000 | 2.7% |
% of Housing Stock
Rental Trends — Jefferson City, MO
As of July '25, Rentcast reports the average rent in Jefferson City, MO is $1,000, with a year-over-year rent change of -3.8%. Per bedroom, the median rent as of July '25 in Jefferson City, MO is 1-bedrooms: $599, 2-bedrooms: $895, 3-bedrooms: $1,580. The most common rental property sizes in Jefferson City, MO are 2-bedroom and 3-bedroom, accounting for 49.4% and 29.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $950 | $1,000 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $595 | $599 |
| 2 Bed Rent | $950 | $895 |
| 3 Bed Rent | $1,650 | $1,580 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Jefferson City, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Jefferson City, MO is 34. This is a increase of 27.0% 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 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $385,000 | 24.0% |
Listing Count | 106 | -7.0% |
| Listings as % of Homes | 0.4% | -7.0% |
Days on Market | 34 | 27.0% |
Demographics — Jefferson City, MO
As of the latest ACS Survey released in 2023, Jefferson City, MO has a population of 40,400, which has increased by 2.5% over the past 5 years. Jefferson City, MO is a moderately popular place for families, as children make up 22.3% of the population. The area has a moderately educated workforce, with 44.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 40,400 | 2.5% |
% Under 18 | 22.3% | -8.2% |
% Seniors | 19.6% | 16.0% |
% WFH | 8.5% | 240.0% |
% w/ College Degree | 44.6% | 18.6% |
As of the latest ACS Survey released in 2023, Jefferson City, MO is a predominantly white area, with 82.3% of the population identifying as white. The white population has shrunk by 0.7% in the last 5 years. The second most common race or ethnicity in Jefferson City, MO is black, making up 7.5% of the population. Foreign-born residents account for 3.2% of the population in Jefferson City, MO, and this percentage has decreased by 22.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.3% | -0.7% |
% Black | 7.5% | -12.8% |
% Hispanic | 3.7% | 12.1% |
% Asian | 2.7% | 12.5% |
% Foreign Born | 3.2% | -22.0% |
Mortgage and Risk — Jefferson City, MO
According to HUD data as of 2023, there were 908 mortgage originations in Jefferson City, MO, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Jefferson City, MO. Investor activity is low, as 4.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 908 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Jefferson City, MO
Jefferson City, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 661 |
Total Units Section 8 | 453 |
% Rentals under Section 8 | 8.2% |
% Occupied Section 8 | 80.5% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $95 | $595 | $690 |
| 2 Bedroom | -$50 | $950 | $900 |
| 3 Bedroom | -$390 | $1,650 | $1,260 |
| 4 Bedroom | N/A | N/A | $1,340 |
Affordability — Jefferson City, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $268,000 |
| Median Household Income | $72,400 |