The story of this market
The typical home in Cole County, Missouri sells for about $277,900, or $174 per square foot.
Prices are up +15.4% from a year ago, so sellers still have some momentum. Homes take about 22 days to sell, which is fast. Over the long run, values in this county have grown 137% since 2000. Last year 15 of 17 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is heat wave, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $962 a month.
HUD sets the fair market rent for a 2-bedroom at $962 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+5.7%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+15.6%). Worst: 2011 (-0.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3.7%
MO · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,332
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+5.7%
2025 change
FHFA repeat-sales index, median of 17 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
67
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $42,664,109.
Mortgage activity
Home lending in this county
87.7%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2646 | 1741 | 87.7% | 11.1% | $155,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cole County, Missouri
The Cole County housing market shows strong price appreciation, with median sale prices rising 15.4% year-over-year as of March 2026. While inventory remains tight at 218 active listings, the market is experiencing a moderate pace of sales, driven by the stable economic base of the state capital.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 9 ZIP reports
Median prices moved up 7.3% year over year.
Homes spend a median of 31 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.38% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 8.6% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 8 researched ZIP reports of 9 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
| 65023 | Centertown | $245,000 | $142 | +4.2% | 58 | 97.5% | 12% | 4.6 | 14 | $953 | researched Sep 27 |
| 65041 | Hermann | $349,000 | $158 | -6.5% | 56 | 96.5% | 12.5% | 4.2 | 45 | $816 | researched Sep 27 |
| 65043 | Holts Summit | $209,600 | $135 | +2.1% | 48 | 98.2% | 18% | 3.3 | 112 | $1,028 | researched Sep 27 |
| 65059 | Mokane | $215,000 | $138 | +2.4% | 62 | 97.2% | 8.5% | 4.7 | 14 | $840 | researched Sep 27 |
| 65078 | Stover | $259,000 | $199 | +4.2% | 88 | 96.5% | 12% | 7.2 | 162 | $753 | researched Sep 27 |
| 65080 | Tebbetts | $249,900 | $148 | +4.1% | 68 | 97.2% | 12.5% | 3.2 | 42 | $1,150 | researched Sep 27 |
| 65101 | Jefferson City | $276,291 | $145 | +3.5% | 43 | 98.5% | 15% | 4.2 | 285 | $791 | researched Sep 27 |
| 65109 | Jefferson City | $300,000 | $194 | +7.3% | 31 | — | — | — | 189 | $861 | researched Sep 27 |
| 65111 | Jefferson City | — | — | — | — | — | — | — | — | — | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
As the home of the state capital, Jefferson City, the county economy is anchored by state government employment and associated administrative services.
Property taxes are assessed by the Cole County Assessor based on market value; the county operates under Missouri's constitutional tax limitations and local levy requirements.
The rental market is characterized by a median asking rent of $1,300, with landlords typically requiring credit scores of 620 or higher.
The economy is heavily influenced by the presence of the Missouri state government in Jefferson City, which serves as a primary employer and economic driver.
The county is served by major highway corridors connecting to the broader central Missouri region, with Jefferson City acting as the primary transit hub.
The Cole County Assessor's office manages property valuations for tax purposes in accordance with state statutes.
Parcels are subject to various local taxing jurisdictions, including school districts, municipal levies, and county-wide service districts.
- Bonkers Columbia4.228 mi
- Dogpatch Arcade LLC429.4 mi
- Tiger Bounce4.328.3 mi
- Mizzou Arena4.629.8 mi
- Faurot Field at Memorial Stadium4.730 mi
- Cooper's Landing Riverside Resort & Marina4.622.4 mi
- Hearnes Center4.429.9 mi
- Memorial Stadium4.730 mi
- Missouri State Capitol4.77.1 mi
- Missouri State Penitentiary4.87.2 mi
- Binder Park4.66.5 mi
- Strikers4.24.6 mi
- Katy Trail - North Jefferson City Trailhead4.78.8 mi
- Missouri State Penitentiary4.87.2 mi
- Willmore Lodge4.728.4 mi
- America's National Churchill Museum4.829.1 mi
- Museum of Missouri Military History4.710.7 mi
- Missouri State Penitentiary Museum4.77.1 mi
- Runge Nature Center4.96 mi
- Binder Park4.66.5 mi
- Katy Trail - North Jefferson City Trailhead4.78.8 mi
- Community Park4.76.5 mi
- McKay Park4.55.1 mi
- Eagle Knoll Golf Club4.413.1 mi
- Redfield Golf Course4.511.1 mi
- Railwood Golf Club4.310.2 mi
- Oak Hills Golf Center4.45.4 mi
- Capital Mall3.75.6 mi
- T.J. Maxx4.35.3 mi
- Dillard's Clearance Center45.6 mi
- Hy-Vee Grocery Store4.45.7 mi
- Ross Dress for Less4.25.6 mi
- Columbia Regional Airport3.821.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Located in Jefferson City, serving as the historic and administrative center of the county.
Data retrieved from Census Reporter and HUD PD&R profiles.
applies when — Applies only in counties that have formally adopted the provisions of RSMo Section 137.082.
Allows for the assessment and taxation of newly constructed residential property starting the first month following occupancy, and pro rata removal from tax rolls for improvements destroyed by natural disaster.
RSMo Section 137.082.
Residential property is assessed at 19% of its true market value. The formula is: (Market Value * 0.19) * Local Tax Rate = Annual Tax Liability.
Established under Article X, Section 4(b) of the Missouri Constitution and RSMo Section 137.115.
Allows lenders to foreclose without court intervention via power of sale. Requires specific notice of default and intention to foreclose; prohibits deficiency judgments against owner-occupants in certain nonjudicial residential foreclosures.
Governed by RSMo Sections 443.290 to 443.440.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.