Sep 2026
$274K
+3.0% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Jefferson City, MO housing market
Jefferson City, MO metro median sale price $274K in Sep 2026, up 3.0% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Jefferson City, MO metro is $274K as of Sep 2026, up 3.0% from a year earlier. That change sits near the middle of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro agrees within 0.1 points (up 3.1% through Q2 2026).
On median sale price, Jefferson City ($274K) ranks 5th of the eight Missouri metros Pecan Street tracks, between Springfield ($286K) and Cape Girardeau ($249K). Jefferson City has the fewest median days on market of the eight Missouri metros (41 days); St. Louis (50 days) is next. On share of listings with a price cut, Jefferson City (32%) ranks 7th of the eight Missouri metros, between Joplin (35%) and Cape Girardeau (29%).
Listings spent a median 41 days on market in Sep 2026, the 38th-fewest of the 385 metros. 32% of active listings carry a price cut, 2.3 points fewer than a year earlier. That share is lower than in most of the 385 metros.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,500 a month; at 28% of gross income, that takes about $64K a year. The median sale price equals about 17 years of HUD Fair Market Rent, a ratio down 2.1% from a year earlier. That ratio is higher than in most of the 373 metros. Active listings ask a median $166 per square foot, up 5.3% from a year earlier.
Median list prices are higher than a year earlier in both ZIP codes in the table below.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,500/mo
$64K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Jefferson City compares to other U.S. metros
| Days on market | ↓348th of 385 |
|---|---|
| Price cuts | ↓275th of 385 |
| Price-to-rent | ↑103rd of 373 (top 28%) |
| Home-price growth | 167th of 383 (top 44%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 17 -2.1% YoY ↑103rd of 373 (top 28%) |
|---|---|
| Asking price / sq ft | $166 +5.3% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 32% -2.3 pts YoY ↓275th of 385 |
|---|
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 2 shown of 8 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
Strength 4 / 5
17 days
Jefferson City homes taking 17 days to sell — +88.9% vs. a year ago
Homes are sitting materially longer than they were this time last year — the first hard sign of softening demand or over-priced inventory.
Price reconciliation
normal · 0.1ppRedfin (metro) +3.0% | FHFA HPI · Q2 2026 +3.1% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 65101 | $363K↑ | 48↑ | 42↑ | 16↑ | 41↑ | $272K↑ |
| 65109 | $390K↑ | 84↑ | 64↑ | 24↑ | 36↑ | $285K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.