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Dynamic.RE · SFR Market Intelligence

Jefferson City, Missouri Housing Market

Prices, inventory, and demand — distilled every month into one clear verdict: buyer’s market or seller’s. The investor’s read, before you make an offer.

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Data through June 2026
Dynamic.RE Verdict
Balanced Market
Between 0.90 and 1.10 buyers per home for sale, neither side sets the price. Jefferson City sits at 0.87, with 12% of sellers cutting.
Median list price
$332,581
-8.0%
Demand : Supply
0.87
Days on market
34 days
Time to go under contract

Only on the right house. Neither side has the upper hand in Jefferson City right now.

Neither side has the upper hand in Jefferson City. Buyers and sellers are evenly matched. The market will not hand you a discount. You have to find it in one specific listing.

01
The market at a glance
Median $ / sqft
$155
Active inventory
108
New listings / mo
114
Days on market
34 days
Price-cut share
11.8%
Pending sales
94
02
Where we are in the cycle
Median asking price
$332,581
12% below the May 2025 peak of $376K
Homes for sale
108
3.9× the Mar 2021 low of 28
Days to sell
34 days
5.7× slower than the 6-day May 2021 low
03
The renter economy
34%
Renter share · of occupied homes
7.3%
Vacant homes · all units
$74.7K
Median household income
4.4×
Price-to-income · list ÷ income
04
What this means for investors

How much can you negotiate in Jefferson City?

Only 87 out of every 100 homes for sale have found a buyer. The other 13 are still waiting. Your offer may be the only one on the table. Few sellers are dropping their price. Asking prices are holding firm. Your discount will come from one stale listing, not from the whole market.

A typical Jefferson City home takes 34 days to find a buyer. Half of them take even longer. That is 12% faster than a year ago. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago. There are 108 homes for sale in Jefferson City. That is 3.9 times the tightest month on record, but below the peak of 277. Supply is growing against last year.

What to do about it

  • Judge the listing, not the market.
  • Homes listed 60+ days ago with a price cut are where your discount is.
  • Fresh, well-priced homes will not move on price. Do not waste offers on them.

Is now a good time to buy in Jefferson City?

Asking prices are 11.5% below their May 2025 peak. You are not buying at the top. Prices are still falling. Waiting has paid off so far. Let listings age, then come back lower. Jefferson City prices have risen in 101 of the last 108 months. Drops here have been short and shallow. Buying in a slow month has rarely hurt a long hold.

This market is turning. Which way is not settled yet. Check the monthly numbers above before you commit.

Who will rent from you in Jefferson City?

In Jefferson City, 34 out of every 100 households rent. Most own their home. The renter share is shrinking. Five years ago it was 36 in 100. Renter households average 2.0 people. Singles and couples rent here. Two bedrooms beat four.

Households grew 3% in five years. The housing stock grew 1%. Demand is outrunning supply. 7.3% of homes sit empty. That is normal for a healthy market.

The median Jefferson City household earns $74,738 a year. Incomes here have grown 4.8% a year since 2019. Home prices have outrun incomes. Locals are being priced out. A typical home costs 4.4 times the median income. That is the national middle. Neither cash flow nor appreciation is free here. A tenant on the median income can pay about $1,868 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast.

That is the market, not your address. Run an address through the app to see its rent estimate and cash flow.

What numbers should you underwrite a Jefferson City deal with?

  • Price growth to assume — +7.9%/yr. Jefferson City has grown about 9.5% a year for five years and for ten. That is a durable trend, not a boom artifact. It is a fair long-run input. Prices rose 4.5% over the last year. That is a timing signal, not a trend.
  • Months of carrying cost — 2. A typical home takes 34 days to sell. Budget that long when you exit or refinance.
  • Odds you cut your price to sell — 1 in 8. About 12% of homes on the Jefferson City market right now have already cut their asking price. Assume you are one of them when you sell. Do not underwrite an exit at your asking price.
  • Comp on this, not median price — $155/sqft. The average listing runs +15% above the median. Luxury homes skew it. Comp your own size class per sqft.
  • Competition when you exit — +30%. That is how much the number of homes for sale grew in a year. Your resale will face a bigger crowd than today's comps did.
  • Price-to-income ratio — 4.4×. A typical home costs 4.4 times the median income. That is the national middle. Neither cash flow nor appreciation is free here. Home prices have outrun incomes. Locals are being priced out.
  • Tenant rent ceiling — $1,868/mo. 30% of the median household income of $74,738. Rents above this line shrink your tenant pool fast.
05
Frequently asked questions

Is Jefferson City a buyer's or seller's market in 2026?

Only on the right house. Neither side has the upper hand in Jefferson City right now. 87 out of every 100 homes for sale have a buyer, 12% of sellers have cut their price, and a typical home takes 34 days to sell.

Are Jefferson City home prices going up or down?

Asking prices are 11.5% below their May 2025 peak. You are not buying at the top. Prices are still falling. Waiting has paid off so far. Let listings age, then come back lower.

What price growth should I assume for Jefferson City?

Assume +7.9% a year. Jefferson City has grown about 9.5% a year for five years and for ten. That is a durable trend, not a boom artifact. It is a fair long-run input. Prices rose 4.5% over the last year. That is a timing signal, not a trend.

How fast are homes selling in Jefferson City?

A typical Jefferson City home takes 34 days to find a buyer. Half of them take even longer. That is 12% faster than a year ago. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago.

Is Jefferson City a renters' market or an owners' market?

In Jefferson City, 34 out of every 100 households rent. Most own their home. The renter share is shrinking. Five years ago it was 36 in 100. 7.3% of homes sit empty. That is normal for a healthy market.

What rent can Jefferson City tenants afford?

A tenant on the median income can pay about $1,868 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast. The median Jefferson City household earns $74,738 a year.

06
ZIP-level detail

Which ZIP codes are in Jefferson City?

Jefferson City has eight ZIP codes. Each links to its live market dashboard.

  • 6510148 for sale · 11% cutting · 38 days90 out of 100 homes here have a buyer. Supply and demand are balanced.
  • 65102No homes listed for sale right now
  • 65103No homes listed for sale right now
  • 65104No homes listed for sale right now
  • 65105No homes listed for sale right now
  • 6510960 for sale · 13% cutting · 30 daysOnly 86 out of 100 homes here have a buyer.
  • 65110No homes listed for sale right now
  • 65111No homes listed for sale right now
07
Where else to look

Markets similar to Jefferson City

Closest matches on asking price, price per square foot, days to sell, buyer demand, and price cuts.

See what a Jefferson City property is actually worth
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