JEFFERSON CITY Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Jefferson City averaged 6.45% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.54% and one month ago for the week of 2024-11-07, the average rate was 6.74%.

    Jefferson City's average rate one year ago was 6.88%.

    For refis of the same type during the week of 2024-12-12, the average rate was 7.09%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Jefferson City 30 Year Fixed Rate 2024-12-12 6.45%
    Jefferson City 30 Year Fixed Rate Refi 2024-12-12 7.09%
    Jefferson City 15 Year Fixed Rate 2024-12-12 5.74%
    Jefferson City 15 Year Fixed Rate Refi 2024-12-12 6.24%
    Jefferson City 30 Year FHA 2024-12-12 6.56%
    Jefferson City 30 Year FHA Refi 2024-12-12 6.18%
    Jefferson City 30 Year USDA 2024-12-12 6.5%
    Jefferson City 30 Year USDA Refi 2024-12-12 6.3%
    Jefferson City 30 Year VA 2024-12-12 6.29%
    Jefferson City 30 Year VA Refi 2024-12-12 6.08%
    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    The Central Trust Bank 235 6.92% $2,824
    FLAT BRANCH MORTGAGE, INC. 212 6.90% $3,295
    UNITED WHOLESALE MORTGAGE, LLC 83 7.15% $6,701
    MISSOURI Credit Union 42 6.62% $2,278
    Hawthorn Bank 42 6.74% $2,788
    DAS Acquisition Company, LLC 27 6.70% $3,652
    QUICKEN LOANS, LLC 23 6.96% $5,308
    Midwest Mortgage Associates Corporation 13 6.59% $3,570
    GERSHMAN INVESTMENT CORP. 13 6.80% $2,763
    U.S. Bank 13 6.50% $4,197
    Mortgage Research Center, LLC 12 6.27% $2,488
    First Mid Bank & Trust 8 6.42% $2,231
    LOANDEPOT.COM, LLC 7 7.16% $5,858
    CRESCENT MORTGAGE COMPANY 6 7.00% $2,881
    NAVY FEDERAL CREDIT UNION 6 5.75% $4,119
    Commerce Bank 5 6.58% $2,884
    Wells Fargo Bank 5 7.10% $4,693
    First State Community Bank 5 6.77% $2,692
    CMG MORTGAGE, INC. 4 6.97% $5,250
    JPMorgan Chase Bank 4 6.72% $3,835
    TOWNE MORTGAGE COMPANY 4 7.44% $6,406
    BROKER SOLUTIONS, INC. 3 6.71% $3,294
    GUILD MORTGAGE COMPANY 3 6.54% $3,952
    NBKC BANK 3 6.58% $3,015
    MISSOURI ELECTRIC COOPERATIVES EMPL 3 6.00% $2,002
    Bell Bank 3 7.37% $4,335
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.08% $4,407
    The Bank of Missouri 2 6.25% $2,961
    ON Q FINANCIAL, INC. 2 7.38% $6,510
    LAKEVIEW LOAN SERVICING, LLC 2 6.81% $5,813
    Flagstar Bank, FSB 2 7.68% $4,845
    EVERETT FINANCIAL, INC. 2 7.00% $7,700
    GENEVA FINANCIAL, LLC 2 6.63% $6,033
    Regions Bank 2 6.50% $2,957
    FREEDOM MORTGAGE CORPORATION 2 7.63% $6,508
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.56% $3,562
    GUARANTEED RATE, INC. 2 6.04% $6,218
    The Federal Savings Bank 1 7.00% $4,032
    WEST COMMUNITY 1 6.25% $2,965
    ACCESS CAPITAL FUNDING, L.L.C. 1 6.13% $4,018
    West Gate Bank 1 7.63% $2,450
    AMERICAN FINANCING CORPORATION 1 5.99% $5,204
    Armed Forces Bank 1 6.50% $1,292
    Bank of America 1 6.25% $2,288
    Bank of England 1 6.88% $3,316
    CHURCHILL MORTGAGE CORPORATION 1 7.75% $4,364
    Citizens Bank 1 6.38% $2,634
    CITIZENS EQUITY FIRST 1 5.88% $2,405
    Community Mortgage Banc Corporation 1 6.38% $2,635
    CONTOUR MORTGAGE CORPORATION 1 7.00% $7,944
    CREDIT UNION OF AMERICA 1 7.63% $2,404
    DELMAR FINANCIAL COMPANY 1 6.99% $3,424
    ENDEAVOR CAPITAL, LLC. 1 5.99% $3,291
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 6.38% $2,470
    First Community Bank 1 8.00% $6,637
    First Horizon Bank 1 6.75% $2,565
    First State Bank of St. Charles, Missouri 1 7.00% $3,140
    Flanagan State Bank 1 6.50% $3,836
    FRONTIER FINANCIAL, INC. 1 7.25% $3,783
    Gateway First Bank 1 6.75% $2,672
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.99% $3,212
    HALLMARK HOME MORTGAGE, LLC 1 7.63% $7,233
    HOMESITE MORTGAGE, LLC 1 6.13% $2,715
    LOANPAL, LLC 1 6.50% $9,318
    Midwest BankCentre 1 6.88% $2,466
    Morgan Stanley Private Bank 1 5.85% $2,012
    Mortgage Investment Services Corporation 1 7.13% $3,657
    NEWREZ LLC 1 6.50% $2,193
    NexBank 1 6.00% $3,423
    Northpointe Bank 1 6.88% $2,702
    Paramount Residential Mortgage Group, Inc. 1 6.25% $10,638
    PENNYMAC LOAN SERVICES, LLC 1 7.50% $8,028
    PNC Bank 1 7.25% $3,782
    RED DIAMOND HOME LOANS, LLC 1 6.13% $2,970
    R-G Federal Credit Union 1 6.30% $3,115
    Sierra Pacific Mortgage Company, Inc. 1 6.88% $5,333
    Springfield First Community Bank 1 6.63% $2,534

    JEFFERSON CITY Average Closing Costs & Other Stats

    JEFFERSON CITY, MO's 77 lenders originated 2,972 loans during 2023. The total origination value was $533,110,000, with an average loan value of $179,378.

    JEFFERSON CITY's average closing costs are $3,639.

    The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with 235 loans originated. Their average total fees are $2,824, which is $471 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee JEFFERSON CITY lenders (with over 10 loans originated) are MISSOURI Credit Union ($2,278), Mortgage Research Center, LLC ($2,488), GERSHMAN INVESTMENT CORP. ($2,763), Hawthorn Bank ($2,788) and The Central Trust Bank ($2,824).

    The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.27%), U.S. Bank (6.50%), Midwest Mortgage Associates Corporation (6.59%), MISSOURI Credit Union (6.62%) and DAS Acquisition Company, LLC (6.70%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The Central Trust Bank $149,355,000 $114,515,000 -23.3% 21.5%
    FLAT BRANCH MORTGAGE, INC. $92,300,000 $76,255,000 -17.4% 14.3%
    River Region Credit Union $35,965,000 $34,145,000 -5.1% 6.4%
    Mid America Bank $38,380,000 $33,605,000 -12.4% 6.3%
    UNITED WHOLESALE MORTGAGE, LLC $12,880,000 $29,975,000 132.7% 5.6%
    Hawthorn Bank $40,525,000 $26,940,000 -33.5% 5.1%
    Mortgage Research Center, LLC $18,260,000 $21,465,000 17.6% 4.0%
    LEGENDS BANK $25,335,000 $17,425,000 -31.2% 3.3%
    QUICKEN LOANS, LLC $17,695,000 $14,755,000 -16.6% 2.8%
    DAS Acquisition Company, LLC $15,520,000 $10,820,000 -30.3% 2.0%
    MISSOURI Credit Union $10,215,000 $8,910,000 -12.8% 1.7%
    The Callaway Bank $13,450,000 $8,635,000 -35.8% 1.6%
    First State Community Bank $4,785,000 $6,935,000 44.9% 1.3%
    UNITED SECURITY BANK $6,475,000 n/a 1.2%
    Midwest Mortgage Associates Corporation $9,060,000 $5,740,000 -36.6% 1.1%
    U.S. Bank $4,885,000 $5,735,000 17.4% 1.1%
    GERSHMAN INVESTMENT CORP. $8,315,000 $4,915,000 -40.9% 0.9%
    Community Point Bank $4,815,000 n/a 0.9%
    The Tipton Latham Bank $3,875,000 n/a 0.7%
    TOWNE MORTGAGE COMPANY $3,775,000 n/a 0.7%
    Commerce Bank $7,035,000 $3,575,000 -49.2% 0.7%
    First Mid Bank & Trust $1,405,000 $3,565,000 153.7% 0.7%
    NAVY FEDERAL CREDIT UNION $3,465,000 $3,155,000 -8.9% 0.6%
    Exchange Bank of Missouri $4,110,000 $3,110,000 -24.3% 0.6%
    Regions Bank $3,860,000 $3,090,000 -19.9% 0.6%
    LOANDEPOT.COM, LLC $4,955,000 $3,000,000 -39.5% 0.6%
    FREEDOM MORTGAGE CORPORATION $4,265,000 $2,900,000 -32.0% 0.5%
    Peoples Bank of Moniteau County $2,810,000 n/a 0.5%
    Carrington Mortgage Services, LLC $1,945,000 $2,530,000 30.1% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $980,000 $2,440,000 149.0% 0.5%
    CMG MORTGAGE, INC. $6,170,000 $2,425,000 -60.7% 0.5%
    Bell Bank $1,665,000 $2,035,000 22.2% 0.4%
    PENNYMAC LOAN SERVICES, LLC $4,620,000 $1,835,000 -60.3% 0.3%
    Flagstar Bank, FSB $3,375,000 $1,575,000 -53.3% 0.3%
    Wells Fargo Bank $2,995,000 $1,545,000 -48.4% 0.3%
    CRESCENT MORTGAGE COMPANY $1,040,000 $1,410,000 35.6% 0.3%
    GUILD MORTGAGE COMPANY $1,130,000 $1,390,000 23.0% 0.3%
    PNC Bank $905,000 $1,310,000 44.8% 0.2%
    AMERISAVE MORTGAGE CORPORATION $2,185,000 $1,305,000 -40.3% 0.2%
    BROKER SOLUTIONS, INC. $1,415,000 $1,295,000 -8.5% 0.2%
    GUARANTEED RATE, INC. $600,000 $1,295,000 115.8% 0.2%
    The Bank of Missouri $680,000 $1,100,000 61.8% 0.2%
    ENDEAVOR CAPITAL, LLC. $1,430,000 $1,095,000 -23.4% 0.2%
    MISSOURI ELECTRIC COOPERATIVES EMPL $450,000 $1,095,000 143.3% 0.2%
    JPMorgan Chase Bank $970,000 $1,085,000 11.9% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $1,050,000 n/a 0.2%
    NBKC BANK $215,000 $990,000 360.5% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $1,760,000 $950,000 -46.0% 0.2%
    PLANET HOME LENDING, LLC $195,000 $880,000 351.3% 0.2%
    ON Q FINANCIAL, INC. $1,295,000 $840,000 -35.1% 0.2%
    COMMUNITY MORTGAGE, LLC $1,735,000 $810,000 -53.3% 0.2%
    Great Southern Bank $705,000 $800,000 13.5% 0.2%
    The Maries County Bank $3,190,000 $780,000 -75.5% 0.1%
    Heritage Community Bank $350,000 $765,000 118.6% 0.1%
    Mid-Continent Funding, Inc. $570,000 $760,000 33.3% 0.1%
    The Federal Savings Bank $325,000 $705,000 116.9% 0.1%
    BNC National Bank $685,000 n/a 0.1%
    USAA Federal Savings Bank $1,400,000 $680,000 -51.4% 0.1%
    First State Bank of St. Charles, Missouri $1,140,000 $675,000 -40.8% 0.1%
    NEWREZ LLC $1,080,000 $650,000 -39.8% 0.1%
    NEW DAY FINANCIAL, LLC $1,730,000 $640,000 -63.0% 0.1%
    Bank of England $630,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,095,000 $625,000 -42.9% 0.1%
    Wells Bank $620,000 n/a 0.1%
    JONESBURG STATE BANK $615,000 n/a 0.1%
    United Credit Union $1,690,000 $565,000 -66.6% 0.1%
    Bank of America $705,000 $560,000 -20.6% 0.1%
    Barrington Bank & Trust Company, N.A. $545,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $455,000 $530,000 16.5% 0.1%
    People's Savings Bank of Rhineland $6,735,000 $525,000 -92.2% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $715,000 $515,000 -28.0% 0.1%
    NexBank $515,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $2,500,000 $495,000 -80.2% 0.1%
    RED DIAMOND HOME LOANS, LLC $490,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $225,000 $480,000 113.3% 0.1%
    Discover Bank $90,000 $475,000 427.8% 0.1%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $455,000 n/a 0.1%
    Ameris Bank $450,000 n/a 0.1%
    UMB Bank $615,000 $450,000 -26.8% 0.1%
    Simmons Bank $1,125,000 $440,000 -60.9% 0.1%
    CONSERVATION EMP. CREDIT UNION $430,000 n/a 0.1%
    M&T Bank $375,000 $430,000 14.7% 0.1%
    Truist $420,000 n/a 0.1%
    Citizens Bank $165,000 $395,000 139.4% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $735,000 $390,000 -46.9% 0.1%
    Mortgage Investment Services Corporation $515,000 $385,000 -25.2% 0.1%
    Sierra Pacific Mortgage Company, Inc. $375,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $665,000 $350,000 -47.4% 0.1%
    WEST COMMUNITY $780,000 $350,000 -55.1% 0.1%
    First Midwest Bank of Poplar Bluff $335,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $325,000 n/a 0.1%
    Wood & Huston Bank $390,000 $320,000 -17.9% 0.1%
    HALLMARK HOME MORTGAGE, LLC $315,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $265,000 $315,000 18.9% 0.1%
    HOMESITE MORTGAGE, LLC $305,000 n/a 0.1%
    Members Mortgage Services, L.L.C. $305,000 n/a 0.1%
    First Horizon Bank $295,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $815,000 $290,000 -64.4% 0.1%
    Ardent Federal Credit Union $285,000 n/a 0.1%
    Farmers Bank & Trust $285,000 n/a 0.1%
    Service Federal Credit Union $285,000 n/a 0.1%
    Gateway First Bank $230,000 $270,000 17.4% 0.1%
    ANDREWS FEDERAL CREDIT UNION $265,000 n/a 0.0%
    VILLAGE CAPITAL MORTGAGE $630,000 $265,000 -57.9% 0.0%
    21ST MORTGAGE CORPORATION $705,000 $260,000 -63.1% 0.0%
    HNB National Bank $415,000 $260,000 -37.3% 0.0%
    PEOPLES BANK & TRUST CO. $255,000 n/a 0.0%
    Bank & Trust Company $245,000 n/a 0.0%
    The Bank of Old Monroe $105,000 $245,000 133.3% 0.0%
    DELMAR FINANCIAL COMPANY $625,000 $235,000 -62.4% 0.0%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $195,000 $235,000 20.5% 0.0%
    Peoples Bank $75,000 $235,000 213.3% 0.0%
    CARDINAL FINANCIAL $1,370,000 $225,000 -83.6% 0.0%
    CITIZENS EQUITY FIRST $85,000 $225,000 164.7% 0.0%
    Armed Forces Bank $440,000 $215,000 -51.1% 0.0%
    FRONTIER FINANCIAL, INC. $215,000 n/a 0.0%
    Northpointe Bank $45,000 $215,000 377.8% 0.0%
    VANTAGE Credit Union $55,000 $215,000 290.9% 0.0%
    The Missouri Bank $335,000 $205,000 -38.8% 0.0%
    West Gate Bank $205,000 n/a 0.0%
    AMWEST FUNDING CORP. $200,000 n/a 0.0%
    MID AMERICA MORTGAGE, INC. $200,000 n/a 0.0%
    First Community Bank $195,000 n/a 0.0%
    Sterling Bank $195,000 n/a 0.0%
    United Fidelity Funding Corp. $225,000 $195,000 -13.3% 0.0%
    BTC BANK $35,000 $190,000 442.9% 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $625,000 $185,000 -70.4% 0.0%
    AMERICAN FINANCIAL NETWORK, INC. $175,000 n/a 0.0%
    CIS Financial Services, Inc. $175,000 n/a 0.0%
    Community Mortgage Banc Corporation $585,000 $175,000 -70.1% 0.0%
    Flanagan State Bank $265,000 $175,000 -34.0% 0.0%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $175,000 n/a 0.0%
    LOANPAL, LLC $195,000 $175,000 -10.3% 0.0%
    Springfield First Community Bank $175,000 n/a 0.0%
    TOP FLITE FINANCIAL, INC. $370,000 $175,000 -52.7% 0.0%
    Toyota Financial Savings Bank $445,000 $175,000 -60.7% 0.0%
    Citizens Bank $165,000 $165,000 0.0% 0.0%
    First Federal Community Bank of Bucyrus $165,000 n/a 0.0%
    GSF Mortgage Corporation $375,000 $165,000 -56.0% 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $260,000 $165,000 -36.5% 0.0%
    ACCESS CAPITAL FUNDING, L.L.C. $155,000 n/a 0.0%
    FIRST COMMUNITY MORTGAGE, INC. $645,000 $155,000 -76.0% 0.0%
    Boeing Employees Credit Union $135,000 n/a 0.0%
    CHURCHILL MORTGAGE CORPORATION $155,000 $135,000 -12.9% 0.0%
    CREDIT UNION OF AMERICA $135,000 n/a 0.0%
    First Bank $185,000 $135,000 -27.0% 0.0%
    Lindell Bank & Trust Company $135,000 n/a 0.0%
    Servion, Inc. $215,000 $135,000 -37.2% 0.0%
    Arvest Bank $1,455,000 $130,000 -91.1% 0.0%
    Figure Lending LLC $220,000 $130,000 -40.9% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $35,000 $130,000 271.4% 0.0%
    COMMERCIAL TRUST COMPANY OF FAYETTE $155,000 $125,000 -19.4% 0.0%
    CONTOUR MORTGAGE CORPORATION $125,000 n/a 0.0%
    GUARANTEED RATE AFFINITY, LLC $125,000 n/a 0.0%
    Morgan Stanley Private Bank $365,000 $125,000 -65.8% 0.0%
    Third Federal Savings and Loan Association of Cleveland $125,000 n/a 0.0%
    BETTER MORTGAGE CORPORATION $115,000 n/a 0.0%
    Southern Bank $155,000 $115,000 -25.8% 0.0%
    Midwest BankCentre $1,670,000 $105,000 -93.7% 0.0%
    R-G Federal Credit Union $105,000 n/a 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $475,000 $90,000 -81.1% 0.0%
    FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.0%
    LENDINGHOME FUNDING CORPORATION $75,000 n/a 0.0%
    Montgomery Bank $375,000 $75,000 -80.0% 0.0%
    ROYAL UNITED MORTGAGE LLC $315,000 $75,000 -76.2% 0.0%
    PENTAGON FEDERAL CREDIT UNION $565,000 $70,000 -87.6% 0.0%
    Community State Bank of Missouri $65,000 n/a 0.0%
    Bank of Odessa $55,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $75,000 $55,000 -26.7% 0.0%
    ALLIANT CREDIT UNION $35,000 n/a 0.0%

    JEFFERSON CITY's top lender by overall market share is The Central Trust Bank, with 21.5% market share. In second place, with 14.3%, is FLAT BRANCH MORTGAGE, INC., having originated $76,255,000 in loans. In third place, with 6.4%, is River Region Credit Union, having originated $34,145,000 in loans. In fourth place, with 6.3%, is Mid America Bank, having originated $33,605,000 in loans. In fifth place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $29,975,000 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 (11.7%) 0.54 387
    2018-02-01 $151,950 (17.0%) $195,670 (17.1%) 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 (15.3%) 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 (19.2%) 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 $319,900 (14.8%) $366,486 (9.1%) 0.72 148
    2024-06-01 $334,900 (25.8%) $399,501 (18.2%) 0.75 184
    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 $292,725 (-7.8%) $403,151 (7.8%) 0.69 263
    2024-10-01 $299,450 (-4.9%) $409,527 (14.4%) 0.70 283
    2024-11-01 $299,450 (-4.9%) $414,251 (13.4%) 0.72 261
    JEFFERSON CITY's median listing price for 2024-11-01 was $299,450, a difference of $-15,500 (-4.9%) versus the prior year and $0 versus the prior month.

    JEFFERSON CITY's median listing price comes in at 72% of the national average.

    JEFFERSON CITY's average listing price for 2024-11-01 was $414,251, a difference of $49,069 (13.4%) versus the prior year and $4,724 versus the prior month.

    For the 2024-11-01 period, JEFFERSON CITY had 261 MLS listings, a difference of -22 listings (-8%) versus the prior month and 92 listings (54%) 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 1,944 sqft
    2018-02-01 71 days 1,977 sqft
    2018-03-01 56 days 1,978 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 2,098 sqft
    2018-09-01 60 days 2,010 sqft
    2018-10-01 65 days 1,983 sqft
    2018-11-01 70 days 1,961 sqft
    2018-12-01 78 days 1,876 sqft
    2019-01-01 82 days 1,870 sqft
    2019-02-01 82 days 1,810 sqft
    2019-03-01 67 days 1,831 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 1,949 sqft
    2019-11-01 63 days 1,922 sqft
    2019-12-01 74 days 1,952 sqft
    2020-01-01 78 days 1,966 sqft
    2020-02-01 68 days 1,986 sqft
    2020-03-01 53 days 2,041 sqft
    2020-04-01 64 days 2,005 sqft
    2020-05-01 59 days 2,131 sqft
    2020-06-01 47 days 2,016 sqft
    2020-07-01 52 days 2,101 sqft
    2020-08-01 40 days 2,100 sqft
    2020-09-01 35 days 2,040 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 1,977 sqft
    2021-09-01 23 days 1,845 sqft
    2021-10-01 29 days 1,748 sqft
    2021-11-01 35 days 1,675 sqft
    2021-12-01 45 days 1,828 sqft
    2022-01-01 52 days 1,847 sqft
    2022-02-01 39 days 1,810 sqft
    2022-03-01 29 days 1,878 sqft
    2022-04-01 22 days 1,873 sqft
    2022-05-01 25 days 1,991 sqft
    2022-06-01 23 days 1,770 sqft
    2022-07-01 39 days 1,742 sqft
    2022-08-01 35 days 1,831 sqft
    2022-09-01 44 days 1,905 sqft
    2022-10-01 41 days 1,728 sqft
    2022-11-01 51 days 1,783 sqft
    2022-12-01 64 days 1,859 sqft
    2023-01-01 64 days 1,805 sqft
    2023-02-01 47 days 1,848 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 2,018 sqft
    2023-12-01 56 days 2,097 sqft
    2024-01-01 58 days 2,034 sqft
    2024-02-01 40 days 2,049 sqft
    2024-03-01 37 days 1,961 sqft
    2024-04-01 33 days 1,944 sqft
    2024-05-01 31 days 1,915 sqft
    2024-06-01 29 days 2,001 sqft
    2024-07-01 36 days 1,948 sqft
    2024-08-01 39 days 1,940 sqft
    2024-09-01 39 days 1,941 sqft
    2024-10-01 49 days 1,985 sqft
    2024-11-01 57 days 1,924 sqft
    JEFFERSON CITY's median listing age (time on market) for 2024-11-01 was 57 days. This is 37% longer than the same period one year ago.

    JEFFERSON CITY's median square footage for active listings during the 2024-11-01 period was 1,924 sqft. One year prior, the average listing was 2,018 sqft.

    JEFFERSON CITY, MO Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    65001 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65013 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65014 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65016 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65018 Jefferson City, MO HUD Metro FMR Area $580 $580 $770 $980 $1,120
    65023 Jefferson City, MO HUD Metro FMR Area $600 $600 $750 $1,040 $1,060
    65024 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65032 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65035 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65040 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65046 Jefferson City, MO HUD Metro FMR Area $560 $570 $750 $950 $1,120
    65048 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65051 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65053 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65054 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65058 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65061 Jefferson City, MO HUD Metro FMR Area $810 $820 $1,000 $1,420 $1,420
    65062 Jefferson City, MO HUD Metro FMR Area $640 $650 $800 $1,120 $1,160
    65074 Jefferson City, MO HUD Metro FMR Area $600 $600 $750 $1,030 $1,070
    65076 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65085 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
    65101 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,080
    65102 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65103 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65104 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65105 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65109 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65110 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
    65582 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060

    2022 Average & Median Rent Data Statistics
    JEFFERSON CITY, MO average 1BR rent: $616, median: $610
    JEFFERSON CITY, MO average 2BR rent: $761, median: $750
    JEFFERSON CITY, MO average 3BR rent: $1,068, median: $1,060

    JEFFERSON CITY, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,742 $382,970,000 $219,845
    Other 419 $27,725,000 $66,169
    Cash Out Refi 386 $55,260,000 $143,161
    Refi 223 $52,215,000 $234,148
    Home Improvement 202 $14,940,000 $73,960

    Jefferson City's most frequently cited loan purpose was Home Purchase, with 1,742 originations. The 2nd most popular reason was Other, with 419 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 936 $183,080,000 $195,598
    7-8% 622 $134,210,000 $215,772
    Over 8% 347 $38,225,000 $110,159
    5-6% 313 $50,875,000 $162,540
    4-5% 10 $1,950,000 $195,000
    2.5-3% 9 $965,000 $107,222
    3-4% 4 $1,470,000 $367,500
    <2.5% 1 $5,000 $5,000

    During 2023, Jefferson City's most frequently originated rate bucket was 6-7%, with 936 originations.

    Loan Sizing (JEFFERSON CITY, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 1,059 $158,665,000 $149,825
    $100,000 or less 953 $52,565,000 $55,157
    $200k-400k 805 $217,115,000 $269,708
    $400k-600k 105 $49,255,000 $469,095
    $600k-1000k 37 $26,255,000 $709,595
    $Over $1MM 13 $29,255,000 $2,250,385

    JEFFERSON CITY's loan sizing saw the bucket of loans from $100k-200k with 1,059 originations, totaling $158,665,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 980 $222,530,000 $227,071
    60-80% 438 $90,400,000 $206,393
    Under 20% 297 $16,695,000 $56,212
    20-40% 294 $32,700,000 $111,224
    40-60% 189 $36,445,000 $192,831
    Over 100% 40 $11,170,000 $279,250

    JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 980 originations, totaling $222,530,000 in origination value.