Jefferson County, MO Average Home Price (2026)
The average home price in Jefferson County, Missouri is about $278,000 (the 2026 median across 14 ZIP codes, at ~$182/sq ft) — 13% more expensive than the Missouri median and 4% more affordable than the typical U.S. home.
How Jefferson County compares
Jefferson County is about average for housing nationally: its typical home costs $278,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $227,000 to $352,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $278,000 | $182 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Jefferson County home prices by ZIP code
The 14 most valuable ZIP codes in Jefferson County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 63026 Fenton | $352,000 | $201 | +27% |
| 63052 Imperial | $323,000 | $185 | +16% |
| 63050 Hillsboro | $320,000 | $196 | +15% |
| 63028 Festus | $303,000 | $184 | +9% |
| 63048 Herculaneum | $301,000 | $183 | +8% |
| 63012 Barnhart | $284,000 | $181 | +2% |
| 63051 House Springs | $279,000 | $176 | +0% |
| 63070 Pevely | $277,000 | $146 | +0% |
| 63016 Cedar Hill | $276,000 | $235 | -1% |
| 63023 Dittmer | $276,000 | $143 | -1% |
| 63049 High Ridge | $275,000 | $175 | -1% |
| 63010 Arnold | $273,000 | $193 | -2% |
| 63020 De Soto | $245,000 | $175 | -12% |
| 63019 Crystal City | $227,000 | $164 | -18% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 82% over the last 10 years (≈6.2% a year) and +70.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $278,000 today was worth roughly $152,831 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Missouri is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $278,000 home in Jefferson County with 20% down, you need a household income of roughly $76,000 a year (about $1,760 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $90,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,900 | $2,190/mo | $94,000/yr |
| 10% (+PMI) | $27,800 | $2,100/mo | $90,000/yr |
| 20% | $55,600 | $1,760/mo | $76,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Jefferson County
At about $182 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 820 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1100 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1370 sq ft | around the typical home here |
| $300k | 1650 sq ft | around the typical home here |
| $400k | 2200 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Missouri.
Estimate a specific home in Jefferson County
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Jefferson County home prices: frequently asked
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Browse all Missouri cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.