JEFFERSON CITY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Jefferson City averaged
7.3%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.36% and
one month ago for the week of 2026-10-01, the
average rate was 7.2%.
Jefferson City's average rate one year ago was 6.09%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.14%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Jefferson City 30 Year Fixed Rate | 2026-11-05 | 7.3% |
| Jefferson City 30 Year Fixed Rate Refi | 2026-11-05 | 7.14% |
| Jefferson City 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Jefferson City 15 Year Fixed Rate Refi | 2026-11-05 | 7.17% |
| Jefferson City 30 Year FHA | 2026-11-05 | 6.87% |
| Jefferson City 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Jefferson City 30 Year USDA | 2026-11-05 | 6.9% |
| Jefferson City 30 Year USDA Refi | 2026-11-05 | 7.1% |
| Jefferson City 30 Year VA | 2026-11-05 | 7.16% |
| Jefferson City 30 Year VA Refi | 2026-11-05 | 6.15% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JEFFERSON CITY, MO.
JEFFERSON CITY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the JEFFERSON CITY, MO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
JEFFERSON CITY Average Closing Costs & Other Stats
JEFFERSON CITY, MO's 94 lenders originated 3,778
loans during 2025. The total origination value was $786,470,000, with an average loan value of
$208,171.
JEFFERSON CITY's average closing costs are $4,014.
The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with
239 loans originated. Their average total fees are
$3,276, which is $476
lower than the next largest lender,
FLAT BRANCH MORTGAGE, INC..
The lowest fee JEFFERSON CITY lenders (with over 10 loans originated) are
First Mid Bank & Trust ($2,679), GERSHMAN INVESTMENT CORP. ($2,856), Commerce Bank ($2,862), Hawthorn Bank ($3,037) and The Central Trust Bank ($3,276).
The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are
AMERICAN FINANCIAL RESOURCES, INC. (6.28%), Hawthorn Bank (6.32%), UNITED WHOLESALE MORTGAGE, LLC (6.52%), FLAT BRANCH MORTGAGE, INC. (6.60%) and DAS Acquisition Company, LLC (6.63%).
JEFFERSON CITY, MO Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | $102,430,000 | $128,595,000 | 25.5% | 16.4% |
| The Central Trust Bank | $122,100,000 | $119,840,000 | -1.9% | 15.2% |
| River Region Credit Union | $44,900,000 | $69,995,000 | 55.9% | 8.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $41,555,000 | $58,565,000 | 40.9% | 7.4% |
| Mid America Bank | $30,085,000 | $46,870,000 | 55.8% | 6.0% |
| Mortgage Research Center, LLC | $29,605,000 | $28,515,000 | -3.7% | 3.6% |
| QUICKEN LOANS, LLC | $20,470,000 | $25,815,000 | 26.1% | 3.3% |
| LEGENDS BANK | $17,025,000 | $18,455,000 | 8.4% | 2.3% |
| Hawthorn Bank | $10,970,000 | $15,935,000 | 45.3% | 2.0% |
| Community Point Bank | $8,165,000 | $13,785,000 | 68.8% | 1.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,245,000 | $12,720,000 | 466.6% | 1.6% |
| The Callaway Bank | $10,330,000 | $11,830,000 | 14.5% | 1.5% |
| GENEVA FINANCIAL, LLC | $6,070,000 | $9,135,000 | 50.5% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $6,660,000 | $8,935,000 | 34.2% | 1.1% |
| Sullivan Bank | $3,535,000 | $8,775,000 | 148.2% | 1.1% |
| UNITED SECURITY BANK | $7,255,000 | $7,775,000 | 7.2% | 1.0% |
| FIRST MISSOURI BANK | $7,735,000 | n/a | 1.0% | |
| DAS Acquisition Company, LLC | $7,560,000 | $7,565,000 | 0.1% | 1.0% |
| GERSHMAN INVESTMENT CORP. | $5,335,000 | $7,385,000 | 38.4% | 0.9% |
| Commerce Bank | $4,110,000 | $6,350,000 | 54.5% | 0.8% |
| First Mid Bank & Trust | $3,655,000 | $6,155,000 | 68.4% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $5,980,000 | $5,765,000 | -3.6% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $1,450,000 | $5,125,000 | 253.4% | 0.7% |
| U.S. Bank | $4,480,000 | $4,845,000 | 8.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,955,000 | $4,565,000 | 133.5% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $3,475,000 | $4,430,000 | 27.5% | 0.6% |
| Midwest Mortgage Associates Corporation | $5,105,000 | $4,420,000 | -13.4% | 0.6% |
| Heritage Community Bank | $1,555,000 | $4,220,000 | 171.4% | 0.5% |
| BROKER SOLUTIONS, INC. | $1,615,000 | $4,010,000 | 148.3% | 0.5% |
| Exchange Bank of Missouri | $900,000 | $3,935,000 | 337.2% | 0.5% |
| NEWREZ LLC | $2,285,000 | $3,870,000 | 69.4% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $2,880,000 | $3,845,000 | 33.5% | 0.5% |
| TOWNE MORTGAGE COMPANY | $8,795,000 | $3,825,000 | -56.5% | 0.5% |
| LOANDEPOT.COM, LLC | $1,265,000 | $3,265,000 | 158.1% | 0.4% |
| First State Community Bank | $5,385,000 | $3,175,000 | -41.0% | 0.4% |
| The Maries County Bank | $2,935,000 | $2,950,000 | 0.5% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $1,370,000 | $2,920,000 | 113.1% | 0.4% |
| Peoples Bank of Moniteau County | $3,590,000 | $2,910,000 | -18.9% | 0.4% |
| NBKC BANK | $295,000 | $2,365,000 | 701.7% | 0.3% |
| ENDEAVOR CAPITAL, LLC. | $2,335,000 | $2,255,000 | -3.4% | 0.3% |
| Bell Bank | $2,535,000 | $2,215,000 | -12.6% | 0.3% |
| Regions Bank | $2,600,000 | $2,150,000 | -17.3% | 0.3% |
| USAA Federal Savings Bank | $570,000 | $2,145,000 | 276.3% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $625,000 | $2,085,000 | 233.6% | 0.3% |
| Equity Prime Mortgage LLC | $900,000 | $2,080,000 | 131.1% | 0.3% |
| BTC BANK | $1,125,000 | $1,910,000 | 69.8% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $290,000 | $1,905,000 | 556.9% | 0.2% |
| LOANPAL, LLC | $505,000 | $1,775,000 | 251.5% | 0.2% |
| First State Bank of St. Charles, Missouri | $240,000 | $1,725,000 | 618.8% | 0.2% |
| The Tipton Latham Bank | $2,870,000 | $1,680,000 | -41.5% | 0.2% |
| GUILD MORTGAGE COMPANY | $1,055,000 | $1,675,000 | 58.8% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $425,000 | $1,650,000 | 288.2% | 0.2% |
| COMMUNITY MORTGAGE, LLC | $1,630,000 | n/a | 0.2% | |
| WEST COMMUNITY | $640,000 | $1,580,000 | 146.9% | 0.2% |
| The Federal Savings Bank | $950,000 | $1,480,000 | 55.8% | 0.2% |
| The Bank of Missouri | $820,000 | $1,415,000 | 72.6% | 0.2% |
| Wood & Huston Bank | $1,765,000 | $1,405,000 | -20.4% | 0.2% |
| UMB Bank | $125,000 | $1,390,000 | 1,012.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,340,000 | $1,300,000 | -3.0% | 0.2% |
| PILGRIM MORTGAGE LLC | $1,260,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,330,000 | $1,235,000 | -7.1% | 0.2% |
| United Credit Union | $380,000 | $1,215,000 | 219.7% | 0.2% |
| GUARANTEED RATE, INC. | $1,090,000 | $1,205,000 | 10.6% | 0.2% |
| The Missouri Bank | $185,000 | $1,120,000 | 505.4% | 0.1% |
| CMG MORTGAGE, INC. | $680,000 | $1,115,000 | 64.0% | 0.1% |
| Carrington Mortgage Services, LLC | $900,000 | $1,075,000 | 19.4% | 0.1% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $605,000 | $1,015,000 | 67.8% | 0.1% |
| People's Savings Bank of Rhineland | $1,030,000 | $1,000,000 | -2.9% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $530,000 | $990,000 | 86.8% | 0.1% |
| CONSERVATION EMP. CREDIT UNION | $995,000 | $980,000 | -1.5% | 0.1% |
| EVERETT FINANCIAL, INC. | $215,000 | $955,000 | 344.2% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,735,000 | $955,000 | -45.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $125,000 | $950,000 | 660.0% | 0.1% |
| PHH Mortgage Corporation | $910,000 | n/a | 0.1% | |
| United Community Bank | $350,000 | $910,000 | 160.0% | 0.1% |
| Plains Commerce Bank | $890,000 | n/a | 0.1% | |
| Servion, Inc. | $535,000 | $880,000 | 64.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $455,000 | $870,000 | 91.2% | 0.1% |
| Mid-Continent Funding, Inc. | $920,000 | $870,000 | -5.4% | 0.1% |
| FCS Financial FLCA | $860,000 | n/a | 0.1% | |
| PNC Bank | $395,000 | $860,000 | 117.7% | 0.1% |
| Great Southern Bank | $1,440,000 | $845,000 | -41.3% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $225,000 | $820,000 | 264.4% | 0.1% |
| Flagstar Bank, FSB | $465,000 | $820,000 | 76.3% | 0.1% |
| Arvest Bank | $1,050,000 | $815,000 | -22.4% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,700,000 | $790,000 | -53.5% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $780,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $245,000 | $765,000 | 212.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $135,000 | $680,000 | 403.7% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $680,000 | n/a | 0.1% | |
| NexBank | $660,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $270,000 | $650,000 | 140.7% | 0.1% |
| PLANET HOME LENDING, LLC | $1,460,000 | $640,000 | -56.2% | 0.1% |
| MISSOURI Credit Union | $8,550,000 | $605,000 | -92.9% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,110,000 | $595,000 | -71.8% | 0.1% |
| Simmons Bank | $630,000 | $590,000 | -6.3% | 0.1% |
| Focus Bank | $565,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $565,000 | n/a | 0.1% | |
| Sunflower Bank | $565,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $665,000 | $560,000 | -15.8% | 0.1% |
| HomeBank | $150,000 | $535,000 | 256.7% | 0.1% |
| Bank of America | $490,000 | $530,000 | 8.2% | 0.1% |
| Charles Schwab Bank, SSB | $465,000 | $505,000 | 8.6% | 0.1% |
| Wells Fargo Bank | $730,000 | $500,000 | -31.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $255,000 | $485,000 | 90.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $195,000 | $480,000 | 146.2% | 0.1% |
| United Bank of Union | $480,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $470,000 | $475,000 | 1.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $475,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $445,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $435,000 | n/a | 0.1% | |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $425,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $420,000 | n/a | 0.1% | |
| HNB National Bank | $415,000 | $410,000 | -1.2% | 0.1% |
| Nations Lending Corporation | $370,000 | n/a | 0.0% | |
| First Federal Bank | $475,000 | $365,000 | -23.2% | 0.0% |
| The Bank of Old Monroe | $590,000 | $360,000 | -39.0% | 0.0% |
| DIGITAL Federal Credit Union | $345,000 | n/a | 0.0% | |
| Logan Finance Corporation | $345,000 | n/a | 0.0% | |
| Farm Credit Mid-America, ACA | $690,000 | $335,000 | -51.4% | 0.0% |
| TruHome Solutions, LLC | $345,000 | $325,000 | -5.8% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $190,000 | $320,000 | 68.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $305,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $305,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $140,000 | $305,000 | 117.9% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $480,000 | $305,000 | -36.5% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $290,000 | n/a | 0.0% | |
| BMO Harris Bank | $275,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $620,000 | $275,000 | -55.6% | 0.0% |
| JONESBURG STATE BANK | $325,000 | $265,000 | -18.5% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,230,000 | $265,000 | -78.5% | 0.0% |
| Alliant Bank | $4,650,000 | $260,000 | -94.4% | 0.0% |
| Bank of Franklin County | $255,000 | n/a | 0.0% | |
| Farmers and Merchants Bank of St. Clair | $255,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $115,000 | $255,000 | 121.7% | 0.0% |
| VERIDIAN CREDIT UNION | $255,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $315,000 | $250,000 | -20.6% | 0.0% |
| BETTER MORTGAGE CORPORATION | $240,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $95,000 | $240,000 | 152.6% | 0.0% |
| Ixonia Bank | $980,000 | $235,000 | -76.0% | 0.0% |
| SeaTrust Mortgage Company | $235,000 | n/a | 0.0% | |
| United Bank & Trust | $235,000 | n/a | 0.0% | |
| RAIN CITY CAPITAL, LLC | $230,000 | n/a | 0.0% | |
| Oakstar Bank | $275,000 | $225,000 | -18.2% | 0.0% |
| Wells Bank | $295,000 | $225,000 | -23.7% | 0.0% |
| Citizens Bank | $205,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $205,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $205,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | $205,000 | 51.9% | 0.0% |
| DELMAR FINANCIAL COMPANY | $185,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| Southern Bank | $65,000 | $185,000 | 184.6% | 0.0% |
| The First National Bank of Fort Smith | $185,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $800,000 | $180,000 | -77.5% | 0.0% |
| First Federal Community Bank of Bucyrus | $175,000 | n/a | 0.0% | |
| Bank of Springfield | $225,000 | $165,000 | -26.7% | 0.0% |
| CARDINAL FINANCIAL | $410,000 | $160,000 | -61.0% | 0.0% |
| Midwest Regional Bank | $210,000 | $135,000 | -35.7% | 0.0% |
| Bank of Odessa | $130,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $125,000 | n/a | 0.0% | |
| Community National Bank & Trust | $2,375,000 | $125,000 | -94.7% | 0.0% |
| Figure Lending LLC | $605,000 | $125,000 | -79.3% | 0.0% |
| Gateway First Bank | $125,000 | n/a | 0.0% | |
| Montgomery Bank | $145,000 | $125,000 | -13.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $115,000 | n/a | 0.0% | |
| Discover Bank | $755,000 | $105,000 | -86.1% | 0.0% |
| Stifel Bank and Trust | $330,000 | $105,000 | -68.2% | 0.0% |
| VANTAGE Credit Union | $105,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS LLC | $275,000 | $95,000 | -65.5% | 0.0% |
| TOGETHER CREDIT UNION | $45,000 | $95,000 | 111.1% | 0.0% |
| OCMBC, INC. | $90,000 | n/a | 0.0% | |
| Johnson Bank | $65,000 | n/a | 0.0% | |
| TOWER | $55,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $215,000 | $35,000 | -83.7% | 0.0% |
| FIRST COMMUNITY | $650,000 | $35,000 | -94.6% | 0.0% |
| The Loan Store, Inc. | $35,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
JEFFERSON CITY's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 16.4% market share. In second place, with 15.2%, is The Central Trust Bank, having originated $119,840,000 in loans. In third place, with 8.9%, is River Region Credit Union, having originated $69,995,000 in loans. In fourth place, with 7.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $58,565,000 in loans. In fifth place, with 6.0%, is Mid America Bank, having originated $46,870,000 in loans.
JEFFERSON CITY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - JEFFERSON CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $146,700 (14.2%) | $187,716 (11.8%) | 0.54 | 387 |
| 2018-02-01 | $151,950 (17.0%) | $195,670 (17.2%) | 0.55 | 379 |
| 2018-03-01 | $149,900 (15.4%) | $199,251 (17.9%) | 0.53 | 394 |
| 2018-04-01 | $170,700 (22.0%) | $211,671 (15.4%) | 0.58 | 407 |
| 2018-05-01 | $174,900 (20.7%) | $216,452 (14.6%) | 0.58 | 413 |
| 2018-06-01 | $179,900 (24.2%) | $224,786 (19.3%) | 0.60 | 415 |
| 2018-07-01 | $179,450 (23.8%) | $216,911 (14.3%) | 0.60 | 434 |
| 2018-08-01 | $177,475 (22.5%) | $206,792 (10.2%) | 0.59 | 476 |
| 2018-09-01 | $175,000 (20.7%) | $204,027 (7.3%) | 0.59 | 481 |
| 2018-10-01 | $166,175 (15.8%) | $197,231 (6.5%) | 0.56 | 480 |
| 2018-11-01 | $168,200 (16.0%) | $196,723 (6.7%) | 0.57 | 460 |
| 2018-12-01 | $164,950 (12.8%) | $195,750 (3.7%) | 0.57 | 446 |
| 2019-01-01 | $166,200 (13.3%) | $195,113 (3.9%) | 0.57 | 406 |
| 2019-02-01 | $154,425 (1.6%) | $188,022 (-3.9%) | 0.52 | 412 |
| 2019-03-01 | $160,079 (6.8%) | $192,838 (-3.2%) | 0.52 | 389 |
| 2019-04-01 | $168,875 (-1.1%) | $197,758 (-6.6%) | 0.54 | 384 |
| 2019-05-01 | $169,450 (-3.1%) | $207,046 (-4.4%) | 0.53 | 402 |
| 2019-06-01 | $177,000 (-1.6%) | $214,867 (-4.4%) | 0.55 | 423 |
| 2019-07-01 | $177,350 (-1.2%) | $218,750 (0.9%) | 0.56 | 408 |
| 2019-08-01 | $175,965 (-0.9%) | $217,556 (5.2%) | 0.56 | 407 |
| 2019-09-01 | $177,414 (1.4%) | $216,403 (6.1%) | 0.57 | 407 |
| 2019-10-01 | $176,559 (6.3%) | $212,795 (7.9%) | 0.57 | 406 |
| 2019-11-01 | $179,900 (7.0%) | $213,777 (8.7%) | 0.59 | 393 |
| 2019-12-01 | $179,950 (9.1%) | $214,696 (9.7%) | 0.60 | 361 |
| 2020-01-01 | $173,250 (4.2%) | $216,034 (10.7%) | 0.58 | 345 |
| 2020-02-01 | $177,000 (14.6%) | $227,371 (20.9%) | 0.58 | 331 |
| 2020-03-01 | $185,500 (15.9%) | $236,500 (22.6%) | 0.58 | 301 |
| 2020-04-01 | $196,970 (16.6%) | $234,636 (18.7%) | 0.62 | 285 |
| 2020-05-01 | $210,000 (23.9%) | $245,667 (18.7%) | 0.64 | 250 |
| 2020-06-01 | $213,700 (20.7%) | $248,132 (15.5%) | 0.63 | 249 |
| 2020-07-01 | $207,400 (16.9%) | $247,150 (13.0%) | 0.60 | 213 |
| 2020-08-01 | $204,900 (16.4%) | $245,885 (13.0%) | 0.59 | 189 |
| 2020-09-01 | $199,800 (12.6%) | $238,638 (10.3%) | 0.57 | 183 |
| 2020-10-01 | $179,700 (1.8%) | $231,733 (8.9%) | 0.51 | 169 |
| 2020-11-01 | $183,725 (2.1%) | $240,167 (12.3%) | 0.54 | 166 |
| 2020-12-01 | $178,700 (-0.7%) | $234,803 (9.4%) | 0.53 | 173 |
| 2021-01-01 | $178,700 (3.2%) | $232,148 (7.5%) | 0.53 | 142 |
| 2021-02-01 | $180,833 (2.2%) | $233,710 (2.8%) | 0.53 | 105 |
| 2021-03-01 | $196,175 (5.8%) | $247,269 (4.6%) | 0.56 | 85 |
| 2021-04-01 | $212,450 (7.9%) | $261,799 (11.6%) | 0.58 | 96 |
| 2021-05-01 | $182,400 (-13.1%) | $251,898 (2.5%) | 0.48 | 97 |
| 2021-06-01 | $199,900 (-6.5%) | $263,888 (6.4%) | 0.53 | 111 |
| 2021-07-01 | $193,900 (-6.5%) | $253,255 (2.5%) | 0.51 | 130 |
| 2021-08-01 | $199,050 (-2.9%) | $264,330 (7.5%) | 0.53 | 143 |
| 2021-09-01 | $218,575 (9.4%) | $271,787 (13.9%) | 0.58 | 154 |
| 2021-10-01 | $199,900 (11.2%) | $259,303 (11.9%) | 0.53 | 153 |
| 2021-11-01 | $188,350 (2.5%) | $279,364 (16.3%) | 0.50 | 148 |
| 2021-12-01 | $195,000 (9.1%) | $271,727 (15.7%) | 0.53 | 144 |
| 2022-01-01 | $192,000 (7.4%) | $279,057 (20.2%) | 0.52 | 119 |
| 2022-02-01 | $206,450 (14.2%) | $299,217 (28.0%) | 0.54 | 112 |
| 2022-03-01 | $198,950 (1.4%) | $297,224 (20.2%) | 0.50 | 102 |
| 2022-04-01 | $199,500 (-6.1%) | $289,557 (10.6%) | 0.48 | 116 |
| 2022-05-01 | $227,400 (24.7%) | $303,709 (20.6%) | 0.52 | 132 |
| 2022-06-01 | $238,725 (19.4%) | $296,505 (12.4%) | 0.53 | 161 |
| 2022-07-01 | $221,125 (14.0%) | $285,367 (12.7%) | 0.50 | 178 |
| 2022-08-01 | $217,925 (9.5%) | $298,331 (12.9%) | 0.50 | 186 |
| 2022-09-01 | $227,250 (4.0%) | $314,161 (15.6%) | 0.53 | 178 |
| 2022-10-01 | $199,900 (0.0%) | $282,806 (9.1%) | 0.47 | 197 |
| 2022-11-01 | $242,000 (28.5%) | $299,514 (7.2%) | 0.58 | 163 |
| 2022-12-01 | $259,900 (33.3%) | $325,852 (19.9%) | 0.64 | 150 |
| 2023-01-01 | $254,450 (32.5%) | $315,270 (13.0%) | 0.63 | 125 |
| 2023-02-01 | $259,950 (25.9%) | $320,178 (7.0%) | 0.63 | 122 |
| 2023-03-01 | $251,250 (26.3%) | $312,207 (5.0%) | 0.59 | 121 |
| 2023-04-01 | $278,400 (39.6%) | $333,228 (15.1%) | 0.65 | 128 |
| 2023-05-01 | $278,550 (22.5%) | $335,999 (10.6%) | 0.63 | 138 |
| 2023-06-01 | $266,150 (11.5%) | $338,133 (14.0%) | 0.60 | 148 |
| 2023-07-01 | $279,900 (26.6%) | $343,852 (20.5%) | 0.64 | 151 |
| 2023-08-01 | $319,900 (46.8%) | $379,804 (27.3%) | 0.73 | 149 |
| 2023-09-01 | $317,500 (39.7%) | $374,110 (19.1%) | 0.74 | 162 |
| 2023-10-01 | $315,000 (57.6%) | $357,981 (26.6%) | 0.74 | 174 |
| 2023-11-01 | $314,950 (30.1%) | $365,182 (21.9%) | 0.75 | 169 |
| 2023-12-01 | $302,488 (16.4%) | $364,517 (11.9%) | 0.74 | 150 |
| 2024-01-01 | $302,488 (18.9%) | $362,646 (15.0%) | 0.74 | 152 |
| 2024-02-01 | $314,900 (21.1%) | $362,458 (13.2%) | 0.76 | 142 |
| 2024-03-01 | $309,900 (23.3%) | $352,238 (12.8%) | 0.73 | 153 |
| 2024-04-01 | $289,325 (3.9%) | $361,009 (8.3%) | 0.67 | 149 |
| 2024-05-01 | $319,925 (14.9%) | $366,995 (9.2%) | 0.73 | 148 |
| 2024-06-01 | $334,900 (25.8%) | $393,585 (16.4%) | 0.76 | 184 |
| 2024-07-01 | $294,000 (5.0%) | $369,395 (7.4%) | 0.67 | 227 |
| 2024-08-01 | $298,000 (-6.9%) | $379,875 (0.0%) | 0.69 | 242 |
| 2024-09-01 | $292,588 (-7.9%) | $401,083 (7.2%) | 0.69 | 264 |
| 2024-10-01 | $299,900 (-4.8%) | $411,747 (15.0%) | 0.71 | 279 |
| 2024-11-01 | $299,450 (-4.9%) | $414,251 (13.4%) | 0.72 | 261 |
| 2024-12-01 | $299,900 (-0.9%) | $408,561 (12.1%) | 0.74 | 222 |
| 2025-01-01 | $299,900 (-0.9%) | $398,671 (9.9%) | 0.75 | 206 |
| 2025-02-01 | $301,117 (-4.4%) | $402,467 (11.0%) | 0.73 | 190 |
| 2025-03-01 | $324,000 (4.6%) | $404,023 (14.7%) | 0.76 | 189 |
| 2025-04-01 | $307,000 (6.1%) | $380,331 (5.4%) | 0.71 | 202 |
| 2025-05-01 | $314,950 (-1.6%) | $390,599 (6.4%) | 0.72 | 213 |
| 2025-06-01 | $306,200 (-8.6%) | $375,764 (-4.5%) | 0.69 | 223 |
| 2025-07-01 | $317,225 (7.9%) | $379,883 (2.8%) | 0.72 | 221 |
| 2025-08-01 | $312,450 (4.9%) | $370,289 (-2.5%) | 0.73 | 233 |
| 2025-09-01 | $309,450 (5.8%) | $365,485 (-8.9%) | 0.73 | 255 |
| 2025-10-01 | $299,900 (0.0%) | $371,182 (-9.9%) | 0.71 | 252 |
| 2025-11-01 | $299,900 (0.2%) | $377,449 (-8.9%) | 0.72 | 243 |
| 2025-12-01 | $297,975 (-0.6%) | $370,671 (-9.3%) | 0.75 | 243 |
| 2026-01-01 | $292,450 (-2.5%) | $365,175 (-8.4%) | 0.73 | 238 |
| 2026-02-01 | $269,900 (-10.4%) | $346,979 (-13.8%) | 0.67 | 227 |
| 2026-03-01 | $282,500 (-12.8%) | $345,348 (-14.5%) | 0.68 | 234 |
| 2026-04-01 | $289,900 (-5.6%) | $347,878 (-8.5%) | 0.68 | 260 |
| 2026-05-01 | $328,510 (4.3%) | $372,196 (-4.7%) | 0.76 | 257 |
| 2026-06-01 | $317,000 (3.5%) | $360,623 (-4.0%) | 0.74 | 285 |
| 2026-07-01 | $317,450 (0.1%) | $367,358 (-3.3%) | 0.74 | 259 |
| 2026-08-01 | $335,000 (7.2%) | $402,507 (8.7%) | 0.79 | 278 |
| 2026-09-01 | $333,400 (7.7%) | $395,743 (8.3%) | 0.00 | 286 |
| 2026-10-01 | $334,900 (11.7%) | $378,040 (1.9%) | 0.00 | 316 |
JEFFERSON CITY's median listing price for 2026-10-01 was $334,900, a difference of
$35,000
(11.7%) versus the prior year and
$1,500 versus the prior month.
JEFFERSON CITY's median listing price comes in at 0% of the national average.
JEFFERSON CITY's average listing price for 2026-10-01 was $378,040, a difference of $6,858 (1.9%) versus the prior year and $-17,703 versus the prior month.
For the 2026-10-01 period, JEFFERSON CITY had 316 MLS listings, a difference of 30 listings (10%) versus the prior month and 64 listings (25%) versus the prior year.
JEFFERSON CITY's median listing price comes in at 0% of the national average.
JEFFERSON CITY's average listing price for 2026-10-01 was $378,040, a difference of $6,858 (1.9%) versus the prior year and $-17,703 versus the prior month.
For the 2026-10-01 period, JEFFERSON CITY had 316 MLS listings, a difference of 30 listings (10%) versus the prior month and 64 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - JEFFERSON CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 79 days | 1,940 sqft |
| 2018-02-01 | 71 days | 1,971 sqft |
| 2018-03-01 | 56 days | 1,951 sqft |
| 2018-04-01 | 50 days | 2,028 sqft |
| 2018-05-01 | 52 days | 2,111 sqft |
| 2018-06-01 | 53 days | 2,118 sqft |
| 2018-07-01 | 54 days | 2,124 sqft |
| 2018-08-01 | 58 days | 2,100 sqft |
| 2018-09-01 | 60 days | 2,013 sqft |
| 2018-10-01 | 65 days | 1,985 sqft |
| 2018-11-01 | 70 days | 1,961 sqft |
| 2018-12-01 | 78 days | 1,876 sqft |
| 2019-01-01 | 82 days | 1,860 sqft |
| 2019-02-01 | 82 days | 1,808 sqft |
| 2019-03-01 | 67 days | 1,830 sqft |
| 2019-04-01 | 51 days | 1,878 sqft |
| 2019-05-01 | 42 days | 1,943 sqft |
| 2019-06-01 | 44 days | 2,021 sqft |
| 2019-07-01 | 58 days | 1,994 sqft |
| 2019-08-01 | 57 days | 1,985 sqft |
| 2019-09-01 | 55 days | 1,978 sqft |
| 2019-10-01 | 55 days | 1,950 sqft |
| 2019-11-01 | 63 days | 1,924 sqft |
| 2019-12-01 | 74 days | 1,961 sqft |
| 2020-01-01 | 78 days | 1,969 sqft |
| 2020-02-01 | 68 days | 1,986 sqft |
| 2020-03-01 | 53 days | 2,036 sqft |
| 2020-04-01 | 64 days | 2,000 sqft |
| 2020-05-01 | 59 days | 2,129 sqft |
| 2020-06-01 | 47 days | 2,007 sqft |
| 2020-07-01 | 52 days | 2,099 sqft |
| 2020-08-01 | 40 days | 2,094 sqft |
| 2020-09-01 | 35 days | 2,031 sqft |
| 2020-10-01 | 34 days | 1,874 sqft |
| 2020-11-01 | 37 days | 1,946 sqft |
| 2020-12-01 | 36 days | 1,812 sqft |
| 2021-01-01 | 47 days | 1,786 sqft |
| 2021-02-01 | 37 days | 1,774 sqft |
| 2021-03-01 | 25 days | 1,884 sqft |
| 2021-04-01 | 16 days | 2,016 sqft |
| 2021-05-01 | 16 days | 1,836 sqft |
| 2021-06-01 | 16 days | 1,919 sqft |
| 2021-07-01 | 18 days | 1,875 sqft |
| 2021-08-01 | 19 days | 1,976 sqft |
| 2021-09-01 | 23 days | 1,836 sqft |
| 2021-10-01 | 29 days | 1,736 sqft |
| 2021-11-01 | 35 days | 1,674 sqft |
| 2021-12-01 | 45 days | 1,819 sqft |
| 2022-01-01 | 52 days | 1,841 sqft |
| 2022-02-01 | 39 days | 1,810 sqft |
| 2022-03-01 | 29 days | 1,878 sqft |
| 2022-04-01 | 22 days | 1,862 sqft |
| 2022-05-01 | 25 days | 1,959 sqft |
| 2022-06-01 | 23 days | 1,755 sqft |
| 2022-07-01 | 39 days | 1,728 sqft |
| 2022-08-01 | 35 days | 1,816 sqft |
| 2022-09-01 | 44 days | 1,898 sqft |
| 2022-10-01 | 41 days | 1,728 sqft |
| 2022-11-01 | 51 days | 1,777 sqft |
| 2022-12-01 | 64 days | 1,855 sqft |
| 2023-01-01 | 64 days | 1,804 sqft |
| 2023-02-01 | 47 days | 1,839 sqft |
| 2023-03-01 | 38 days | 1,860 sqft |
| 2023-04-01 | 27 days | 1,879 sqft |
| 2023-05-01 | 27 days | 1,889 sqft |
| 2023-06-01 | 36 days | 1,862 sqft |
| 2023-07-01 | 30 days | 1,949 sqft |
| 2023-08-01 | 37 days | 2,066 sqft |
| 2023-09-01 | 38 days | 2,086 sqft |
| 2023-10-01 | 39 days | 1,988 sqft |
| 2023-11-01 | 41 days | 2,016 sqft |
| 2023-12-01 | 56 days | 2,097 sqft |
| 2024-01-01 | 58 days | 2,034 sqft |
| 2024-02-01 | 40 days | 2,041 sqft |
| 2024-03-01 | 37 days | 1,950 sqft |
| 2024-04-01 | 33 days | 1,944 sqft |
| 2024-05-01 | 31 days | 1,940 sqft |
| 2024-06-01 | 30 days | 2,000 sqft |
| 2024-07-01 | 36 days | 1,948 sqft |
| 2024-08-01 | 39 days | 1,940 sqft |
| 2024-09-01 | 39 days | 1,930 sqft |
| 2024-10-01 | 48 days | 1,977 sqft |
| 2024-11-01 | 57 days | 1,932 sqft |
| 2024-12-01 | 66 days | 1,883 sqft |
| 2025-01-01 | 70 days | 1,881 sqft |
| 2025-02-01 | 65 days | 1,880 sqft |
| 2025-03-01 | 37 days | 1,930 sqft |
| 2025-04-01 | 33 days | 1,907 sqft |
| 2025-05-01 | 36 days | 1,938 sqft |
| 2025-06-01 | 40 days | 1,933 sqft |
| 2025-07-01 | 44 days | 1,960 sqft |
| 2025-08-01 | 44 days | 2,002 sqft |
| 2025-09-01 | 41 days | 1,923 sqft |
| 2025-10-01 | 44 days | 1,991 sqft |
| 2025-11-01 | 51 days | 1,915 sqft |
| 2025-12-01 | 57 days | 1,898 sqft |
| 2026-01-01 | 60 days | 1,908 sqft |
| 2026-02-01 | 51 days | 1,888 sqft |
| 2026-03-01 | 48 days | 1,968 sqft |
| 2026-04-01 | 38 days | 1,995 sqft |
| 2026-05-01 | 33 days | 1,981 sqft |
| 2026-06-01 | 43 days | 1,883 sqft |
| 2026-07-01 | 53 days | 1,896 sqft |
| 2026-08-01 | 49 days | 2,000 sqft |
| 2026-09-01 | 0 days | 2,014 sqft |
| 2026-10-01 | 0 days | 2,068 sqft |
JEFFERSON CITY's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
JEFFERSON CITY's median square footage for active listings during the 2026-10-01 period was 2,068 sqft. One year prior, the average listing was 1,991 sqft.
JEFFERSON CITY's median square footage for active listings during the 2026-10-01 period was 2,068 sqft. One year prior, the average listing was 1,991 sqft.
JEFFERSON CITY, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,928 | $484,930,000 | $251,520 |
| Refi | 641 | $156,635,000 | $244,360 |
| Cash Out Refi | 589 | $97,255,000 | $165,119 |
| Other | 333 | $26,335,000 | $79,084 |
| Home Improvement | 286 | $20,900,000 | $73,077 |
| NA | 1 | $415,000 | $415,000 |
Jefferson City's most frequently cited loan purpose was Home Purchase, with 1,928 originations. The 2nd most popular reason was Refi, with 641 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,324 | $323,660,000 | $244,456 |
| 5-6% | 765 | $152,625,000 | $199,510 |
| 7-8% | 463 | $84,765,000 | $183,078 |
| Over 8% | 215 | $17,485,000 | $81,326 |
| 4-5% | 29 | $4,645,000 | $160,172 |
| <2.5% | 13 | $85,000 | $6,538 |
| 3-4% | 4 | $490,000 | $122,500 |
| 2.5-3% | 3 | $335,000 | $111,667 |
During 2025, Jefferson City's most frequently originated rate bucket was 6-7%, with 1,324 originations.
Loan Sizing (JEFFERSON CITY, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,375 | $377,555,000 | $274,585 |
| $100k-200k | 1,152 | $173,760,000 | $150,833 |
| $100,000 or less | 928 | $52,000,000 | $56,034 |
| $400k-600k | 266 | $126,680,000 | $476,241 |
| $600k-1000k | 52 | $36,740,000 | $706,538 |
| $Over $1MM | 5 | $19,735,000 | $3,947,000 |
JEFFERSON CITY's loan sizing saw the bucket of loans from $200k-400k with 1,375 originations, totaling $377,555,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,157 | $308,255,000 | $266,426 |
| 60-80% | 563 | $138,055,000 | $245,213 |
| Under 20% | 355 | $16,565,000 | $46,662 |
| 20-40% | 346 | $35,010,000 | $101,185 |
| 40-60% | 270 | $53,160,000 | $196,889 |
| Over 100% | 51 | $15,835,000 | $310,490 |
JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,157 originations, totaling $308,255,000 in origination value.