Jefferson City, MO home prices
Typical home $275,402 · +7.1% in a year · income needed $77,000
The Jefferson City, MO metro area ranks 379 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.1% in a year and +33.7% over five years. With 20% down at 7.11%, the typical home costs about $1,797 a month including 0.77% property tax (Cole County rate).
Mortgage on the typical Jefferson City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,080 | $220,322 | $1,482 | $0 | $315 | $1,797 | $77,000 |
| 10% down | $27,540 | $247,862 | $1,667 | $103 | $315 | $2,085 | $89,400 |
| 5% down | $13,770 | $261,632 | $1,760 | $109 | $315 | $2,184 | $93,600 |
| 3.5% down (FHA) | $9,639 | $270,414 | $1,819 | $122 | $315 | $2,255 | $96,700 |
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.
Counties in the Jefferson City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cole County, MO | $285,878 | +7.7% | 0.77% |
| Callaway County, MO | $270,364 | +6.7% | 0.77% |
| Moniteau County, MO | $241,712 | +4.7% | 0.68% |
| Osage County, MO | $265,223 | +4.6% | 0.59% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in Jefferson City?
The typical home in the Jefferson City, MO metro area is worth $275,402 (Zillow, September 2026).
What salary do you need to buy a house in Jefferson City?
About $77,000 a year for the typical home with 20% down at 7.11%.