What it's like to live in Jefferson City

Jefferson City is a small city in Missouri with rent below the national average, home prices that remain within reach, unemployment below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Jefferson City deals with household incomes below the national average, cold winters, fewer dining and entertainment options than a bigger city, and a car-dependent commute, with few people using transit.

The good

  • Rent below the national average
  • Affordable home prices
  • Low unemployment
  • Short commutes
  • Highly educated workforce
  • Low student-teacher ratio

The not so good

  • Below-average household incomes
  • Cold winters
  • Smaller place — fewer dining and entertainment options
  • Car-dependent — few commuters use transit

How Jefferson City compares

Median household income

Jefferson City$66,371
Missouri avg$70,702
US$80,734

Median rent (per month)

Jefferson City$802
Missouri avg$1,033
US$1,413

Median home value

Jefferson City$218,700
Missouri avg$230,300
US$332,700

What it takes to move to Jefferson City

Based on Jefferson City's median rent, home value and household income

To rent

$1,604

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $32,080 a year
  • 38% of Jefferson City renters spend 30% or more of their income on rent

To buy

$43,740

a 20% down payment on the median home

  • With 10% down: $21,870
  • Homes cost 3.3× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▼ 43% below US

$802/mo median rent

Rent here is genuinely low, with median rent around $802 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $218,700. That kind of affordability is rare in today's market.

Median home value $218,700 · 38% of renters cost-burdened

Job market▼ 21% below US

3.4% unemployment

Unemployment here is 3.4%, a little below the national average of 4.3%.

City-level (BLS)

SafetyNear US average

348 violent crimes per 100k

Crime runs about typical for a city this size. Some neighborhoods are safer than others, and one overall rate doesn't tell the whole story, so a neighborhood-level look matters more than the headline stat.

Property crime 1802/100k · Jefferson City Police Department · 2025 data

Getting around▼ 40% below US

16 min average commute

Commutes run short here, averaging 15.5 minutes. That's an underrated perk of living in a smaller or well-planned city, where time isn't lost sitting in traffic. 8 in 10 workers drive to work; 10% work from home.

How workers get to work

Drive alone
74%
Work from home
10%
Carpool
10%
Other
2.5%
Walk
1.8%
Public transit
0.7%

Climate

Summers are warm, with highs around 86°F, and winters are cold, with lows around 24°F and snow a regular occurrence. Rainfall is regular throughout the year.

Average month

High °FLow °FPrecip (in)
10°30°50°70°90°5.5"Jan: 2.21" precipitationFeb: 2.30" precipitationMar: 3.24" precipitationApr: 4.78" precipitationMay: 5.17" precipitationJun: 4.20" precipitationJul: 4.35" precipitationAug: 4.13" precipitationSep: 4.24" precipitationOct: 3.44" precipitationNov: 3.24" precipitationDec: 2.30" precipitation21°JJan: high 40°F, low 21°FFFeb: high 45°F, low 25°FMMar: high 56°F, low 34°FAApr: high 67°F, low 44°FMMay: high 75°F, low 55°FJJun: high 84°F, low 64°F88°JJul: high 88°F, low 69°FAAug: high 87°F, low 67°FSSep: high 80°F, low 58°FOOct: high 69°F, low 46°FNNov: high 55°F, low 35°FDDec: high 44°F, low 26°F

30-year averages, 1991–2020

Healthcare

1 hospital

There's one Medicare-certified hospital inside city limits, rated 3.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.

Medicare-certified hospitals

Education & workforceNear US average

39% bachelor's degree or higher

Education levels run about average, with 39% college-educated. It's a mix of white-collar and blue-collar work, which can be an asset or a limitation depending on the field.

Schools

19 public schools inside the boundary

There are 19 public schools inside the boundary and 9 private schools. The student-to-teacher ratio is 12:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.

Parks & recreation

The nearest national park or historic site is Ulysses S Grant National Historic Site (99 miles away).

Bottom line

Jefferson City's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are household incomes below the national average and cold winters. A year of median rent ($802/mo) equals 15% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget, job seekers, and people who want short commutes. It may be a harder fit for anyone who doesn't drive.

See all the data for Jefferson City →·All Missouri cities →

Other places near Jefferson City

All Missouri guides →

Not sure Jefferson City is the one?

Put it side by side with another city.

Compare Jefferson City →