Real Estate Investing in Jefferson City, Missouri (65109)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 65109 (Jefferson City, MO)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Jefferson City, MO (65109)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 65109 Jefferson City
Not every below-median market is a bargain. Jefferson City's 65109 ZIP sits at signals that favor experienced operators who can absorb the risk $287K pricing implies.
Rent of $1,231/mo on a $287K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 65109 sits below the stated 0.0% once reality is priced in.
Within MO, ZIP 65109 trails on several market indicators that neighboring Cole County submarkets outperform. The gap is real and significant enough to shape underwriting.
The 65109 ZIP's population of 40,390 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.
Strategy in 65109 is an operator game, not a passive one. Put differently, entry prices of $287K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Jefferson City:
Property Strategy for 65109
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $203,228 | $950 | 3.4% | +9.4% | $101,614 |
| 3BR | $251,504 | $1,320 | 3.8% | +9.4% | $83,835 |
| 4BR | $343,464 | $1,440 | 3.0% | +8.1% | $85,866 |
| 5BR | $456,191 | — | — | +7.5% | $91,238 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 65109 Compare?
| Metric | 65109 | Jefferson City | Jefferson City, MO | Missouri |
|---|---|---|---|---|
| Home Value | $287,186 | $124,026 | N/A | $254,657 |
| 5-Year CAGR | 7.6% | 7.8% | N/A | 7.0% |
| Avg Rent | $1,231 | $946 | N/A | - |
| Cap Rate | 3.3% | 2.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 65109 (Jefferson City, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $287,186 |
| Monthly Rent | $1,231 |
| Price-to-Rent | 19.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 11.0% |
📈 Home Appreciation
| 1-Year | +9.4% ▲ |
| 3-Year CAGR | +6.3% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 10-Year CAGR | +7.1% ▲ |
🏠 Rent Trends
| 1-Year | +14.4% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 65109
Population: 40,390
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 65109
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What price range are homes in Jefferson City, MO?
In Jefferson City, MO the median home value sits at $287K. Against the broader MO market, that reads as reasonable for most investors.
Is the tenant base reliable in Jefferson City, MO?
Jefferson City, MO offers a measured renter base at the $1,231/mo rent level. Tenant turnover is reasonable for well-managed properties.
What type of investing works in Jefferson City, MO?
In Jefferson City, MO the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $287K prices and $1,231/mo rents suits that approach.
Can owner-occupants cash flow in Jefferson City, MO?
The house hack math a challenging in Jefferson City, MO. Owner-occupant buyers benefit from the $1,231/mo rents and $287K home values.
Is real estate in Jefferson City, MO a good investment right now?
Our data puts Jefferson City, MO at 3.0/5 for investability. Home prices of $287K and rents around $1,231/mo create a solid backdrop for investor activity.
You know 65109 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 65109 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 65109 ranks in Jefferson City, MO
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