U.S. ZIP Code · MO65109
Cole County · Jefferson City, MO
Appreciation
- 1-year
- +7.8%
- 5-year / yr
- +8.1%
- 10-year / yr
- +6.8%
Relative price
- vs U.S.
- ≈ U.S. median
- vs metro
- -1.5%
- vs state
- +17.6%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 65109 is worth $282,668 — 1.5% below the Jefferson City, MO median. Over the past year, values have risen 7.8%. Homes here rent for a typical $1,202 a month — a 5.1% gross rental yield. The effective property tax rate is 0.8%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Cole County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively Low[4]
- Riverine flood
- Relatively Moderate
- Coastal flood
- Not Applicable
- Wildfire
- Relatively Low
- Drought
- Relatively Low
- Heat wave
- Relatively Moderate
- Hurricane
- Very Low
- Tornado
- Relatively Moderate
- Earthquake
- Relatively Low
- Winter weather
- Relatively Moderate
#Who lives here
#Migration
Household moves in and out of Cole County over a year, from IRS tax-return data.
- Net migration
- -40[5]
- Moved in
- 1,969
- Moved out
- 2,009
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 9
- Elementary
- 6
- Middle
- 1
- High
- 1
CAPITAL CITY HIGH SCHOOL
High · Grades 9–12 · JEFFERSON CITY
1,317 students
THOMAS JEFFERSON MIDDLE
Middle · Grades 6–8 · JEFFERSON CITY
889 students
PIONEER TRAIL ELEMENTARY
Elementary · Grades K–5 · JEFFERSON CITY
448 students
CLARENCE LAWSON ELEM.
Elementary · Grades K–5 · JEFFERSON CITY
442 students
BELAIR ELEM.
Elementary · Grades K–5 · JEFFERSON CITY
362 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
Renting is meaningfully cheaper month-to-month.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 65109?
- The typical home in 65109 is worth $282,668, based on the Zillow Home Value Index.
- Are home values rising in 65109?
- Home values in 65109 are up 7.8% over the past year, and up 8.1% a year over five years.
- What is the typical rent in 65109?
- A typical home in 65109 rents for about $1,202 a month, a gross rental yield of 5.1%.
- What is the property tax rate in 65109?
- The effective property tax rate in 65109 is 0.8% — roughly $2,204 a year on a typical home.
- Who lives in 65109?
- ZIP code 65109 has a population of 41,145 and a median household income of $74,694.
#Comparable ZIPs
Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.
Holts Summit, MO
- Typical home
- $283,066
- Gross yield
- —
Mokane, MO
- Typical home
- $290,763
- Gross yield
- —
Freeburg, MO
- Typical home
- $293,509
- Gross yield
- —
Jefferson City, MO
- Typical home
- $267,689
- Gross yield
- 4.0%
MO
- Typical home
- $256,513
- Gross yield
- —
Russellville, MO
- Typical home
- $313,556
- Gross yield
- —
Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →
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Pit ZIP 65109 against any other ZIP — full side-by-side table.
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