Market Overview
Home Prices in Jefferson City, MO
The median home value in Jefferson City, MO is $282,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.8% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Jefferson City are priced31% below average. Jefferson City is part of the Jefferson City, MO metro area.
Over the past five years, Jefferson City home values have risen by approximately44.4%, reflecting strong long-term appreciation in this market.
Price History
Jefferson City Home Price Trend
City Comparison
Jefferson City vs. National Median
At $282,737, homes in Jefferson City cost 31% below the national median of $410,000. This makes Jefferson City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Jefferson City?
20% Down Payment
$56,547
on $282,737
Monthly P&I
$1,475/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,873/mo
incl. taxes & insurance
Income Needed
$74,920
gross annual (30% rule)
10% Down Option
$28,274
+ PMI applies
Loan Amount (20% dn)
$226,190
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Jefferson City, MO?
The median home value in Jefferson City is $282,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.8% year-over-year.
How much have home prices changed in Jefferson City?
Over the past year, home values in Jefferson City have increased by 7.8%. Over five years, prices have risen approximately 44.4%.
How much do I need to earn to buy a home in Jefferson City?
To comfortably afford the median home price of $282,737 with a 20% down payment ($56,547) at today's rates (6.8%), you'd need a gross annual income of approximately $74,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Jefferson City compare to the national average home price?
The national median home value is approximately $410,000. At $282,737, homes in Jefferson City are 31% below the national average.
What metro area is Jefferson City part of?
Jefferson City is part of the Jefferson City, MO metropolitan area. Home prices and market conditions can vary across the broader metro region.