Cole County, Missouri home prices
Typical home $285,878 · +7.7% in a year · property tax 0.77%
The typical home in Cole County is worth $285,878, 8% more than the Missouri typical home ($265,387). Values changed +7.7% in the past year and +42.3% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($2,203 on the typical home), versus 0.79% statewide.
Mortgage on the typical Cole County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,176 | $228,702 | $1,538 | $0 | $326 | $1,865 | $79,900 |
| 10% down | $28,588 | $257,290 | $1,731 | $107 | $326 | $2,165 | $92,800 |
| 5% down | $14,294 | $271,584 | $1,827 | $113 | $326 | $2,267 | $97,100 |
| 3.5% down (FHA) | $10,006 | $280,700 | $1,888 | $126 | $326 | $2,341 | $100,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri · part of the Jefferson City metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Louis County | $285,675 | +2.8% | 1.2% |
| Johnson County | $284,128 | +4.0% | 0.66% |
| Andrew County | $289,942 | +6.2% | 0.73% |
| Daviess County | $280,878 | +8.0% | 0.66% |
| Morgan County | $291,124 | +3.7% | 0.56% |
| Jefferson County | $291,892 | +4.3% | 0.8% |
| Clinton County | $292,081 | +5.5% | 0.81% |
| Polk County | $274,050 | +2.0% | 0.55% |
| Callaway County | $270,364 | +6.7% | 0.77% |
| Webster County | $268,140 | +5.0% | 0.52% |
Frequently asked questions
What is the average home price in Cole County, MO?
The typical home value in Cole County is $285,878 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cole County?
About $79,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cole County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).