Jefferson City, MO—65101
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 $254,000, with a year-over-year change of 5.0%. This indicates that home prices in Jefferson City, MO are increasing. According to Zillow, the 1-year price projection is 2.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $254,000 | 5.0% |
| Single Family | $255,000 | 4.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $155,000 | 6.2% |
3 Bed | $259,000 | 5.3% |
4 Bed | $327,000 | 3.5% |
| 5 Bed | $402,000 | 2.3% |
% of Housing Stock
Rental Trends — Jefferson City, MO
As of July '25, Rentcast reports the average rent in Jefferson City, MO is $1,120, with a year-over-year rent change of 13.4%. Per bedroom, the median rent as of July '25 in Jefferson City, MO is 2-bedrooms: $779, 3-bedrooms: $1,500, 4-bedrooms: $1,900. The most common rental property sizes in Jefferson City, MO are 2-bedroom and 1-bedroom, accounting for 48.1% and 21.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $1,120 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $700 | $779 |
| 3 Bed Rent | $1,500 | $1,500 |
| 4 Bed Rent | $1,900 | $1,900 |
% 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 56. This is a increase of 16.0% 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $294,000 | 9.0% |
Listing Count | 64 | -17.0% |
| Listings as % of Homes | 0.3% | -17.0% |
Days on Market | 56 | 16.0% |
Demographics — Jefferson City, MO
As of the latest ACS Survey released in 2023, Jefferson City, MO has a population of 29,800, which has remained stable by -0.7% over the past 5 years. Jefferson City, MO is a moderately popular place for families, as children make up 21.2% of the population. The area has a moderately educated workforce, with 30.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 29,800 | -0.7% |
% Under 18 | 21.2% | 2.4% |
% Seniors | 13.6% | 4.6% |
% WFH | 5.3% | 140.9% |
% w/ College Degree | 30.8% | 6.9% |
As of the latest ACS Survey released in 2023, Jefferson City, MO is a predominantly white area, with 73.1% of the population identifying as white. The white population has shrunk by 3.6% in the last 5 years. The second most common race or ethnicity in Jefferson City, MO is black, making up 18.8% of the population. Foreign-born residents account for 3.1% of the population in Jefferson City, MO, and this percentage has increased by 47.6% 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 | 73.1% | -3.6% |
% Black | 18.8% | 0.5% |
% Hispanic | 3.2% | 28.0% |
% Asian | 0.3% | 0.0% |
% Foreign Born | 3.1% | 47.6% |
Mortgage and Risk — Jefferson City, MO
According to HUD data as of 2023, there were 403 mortgage originations in Jefferson City, MO, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Jefferson City, MO. Investor activity is low, as 8.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 403 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 8.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 11.0% |
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 | 622 |
Total Units Section 8 | 477 |
% Rentals under Section 8 | 12.3% |
% Occupied Section 8 | 63.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $650 |
| 2 Bedroom | $150 | $700 | $850 |
| 3 Bedroom | -$320 | $1,500 | $1,180 |
| 4 Bedroom | -$650 | $1,900 | $1,250 |
Affordability — Jefferson City, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $254,000 |
| Median Household Income | $74,000 |