Metro area index
Home appreciation in the Jefferson City, MO metro area
FHFA HPI® data shows the Jefferson City, MO metro area's all-transactions index changed +3.1% over the year to Q2 2026, versus +3.6% for Missouri and +3.0% for the U.S. That ranks 220th of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +3.1%
- 5-year change
- +54.3%
- Since Q1 1995
- +236%
- Metro rank (1 year)
- 220th
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
Jefferson City, MO vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- Jefferson City, MO: 336.0
- Missouri: 344.5
- United States: 391.6
Appreciation by time window
| Window | Metro | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.1% | +3.6% | +3.0% | −0.5 pts | +0.1 pts |
| 3 years | +20.3% | +14.8% | +12.9% | +5.4 pts | +7.4 pts |
| 5 years | +54.3% | +44.2% | +41.3% | +10.1 pts | +13.0 pts |
| 10 years | +94.8% | +95.0% | +93.3% | −0.2 pts | +1.5 pts |
| Since Q1 1995 | +236% | +244% | +292% | −8.4 pts | −55.5 pts |
3-digit ZIP regions in the Jefferson City, MO area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 651 · Jefferson City, MO area | MO | +4.5% | +58.3% | +229% | 100% |
| 650 · Eldon, MO area | MO | +4.4% | +52.8% | +296% | 34% |
| 652 · Columbia, MO area | MO | +3.2% | +47.0% | +227% | 10% |
Boom, bust, and recovery in Jefferson City, MO area
Jefferson City, MO area's index peaked in Q2 2009, fell 2.5% to its low in Q2 2011, and regained its peak in Q2 2012, about 3 years after the top. Today it sits +107% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q2 2009 | Q2 2011 | -2.5% | Q2 2012 (3 yrs) | +107% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, Jefferson City, MO area's index has changed +51.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | MO after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -0.7% | -0.2% | -0.8% |
| 3 years | +9.8% | +9.5% | +4.6% | +2.8% |
| 5 years | +24.0% | +24.4% | +16.3% | +13.9% |
| 10 years | +39.1% | +40.1% | +40.2% | +39.0% |
| Since Q1 1995 | +121% | +51.8% | +55.6% | +76.8% |
If you bought in the Jefferson City, MO area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +233% | $997,941 |
| Q2 2000 | +169% | $806,883 |
| Q2 2005 | +123% | $669,847 |
| Q2 2010 | +107% | $620,382 |
| Q2 2015 | +99.7% | $599,109 |
| Q2 2020 | +73.5% | $520,508 |
| Q2 2021 | +54.3% | $462,780 |
| Q2 2023 | +20.3% | $360,855 |
| Q2 2025 | +3.2% | $309,458 |
Frequently asked questions
- How much have home prices risen in the Jefferson City, MO area?
- FHFA HPI® data for the Jefferson City, MO metro area shows changes of +3.1% over one year, +54.3% over five years, and +94.8% over ten years to Q2 2026, and +236% since Q1 1995.
- Is the Jefferson City, MO area beating the national average?
- Over the past year the metro's index moved +0.1 pts versus the U.S.; over five years the gap is +13.0 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.