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City · 15,659 residents · Cape Girardeau County, Missouri

Jackson , Missouri

In Jackson, a typical home is worth $240,000 and typical rent is $900 a month. Compared with all of Cape Girardeau County, typical household income is 13% higher and the typical home value is 9% higher.

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  • Typical home value

    $240,000

    9% above the county

    4% above Missouri

    • Jackson
    • Cape Girardeau
    • Missouri

  • Typical rent

    $900a month

    2% above the county

    13% below Missouri

    • Jackson
    • Cape Girardeau
    • Missouri

  • Typical household income

    $77,105a year

    13% above the county

    9% above Missouri

    • Jackson
    • Cape Girardeau
    • Missouri

  • Households that own their home

    71%

    4 points above the county

    3 points above Missouri

    • Jackson
    • Cape Girardeau
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$272,050
4.9% more than 12 months ago
Typical rent
$1,203 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Jackson is in Cape Girardeau County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cape Girardeau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jackson apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Dexter, the typical home value is $137,200: 43% less than in Jackson ($240,000).

  2. Nearby, in Dexter, the typical rent is $765: 15% less than in Jackson ($900).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Jackson

What homes there are in Jackson, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Jackson: 75% of homes, more than in Cape Girardeau County (71%).

Year built

Homes in Jackson are newer: the typical year built is 1991; in Cape Girardeau County, 1982.

Homes in Jackson are bigger: 70% have 3 bedrooms or more; in Cape Girardeau County, 65%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,384 a month

Cape Girardeau County: $1,408 a month

Without a mortgage

$530 a month

Cape Girardeau County: $490 a month

Owners with a mortgage

74%

Cape Girardeau County: 61%

The typical cost for an owner with a mortgage in Jackson is $1,384 a month, near the figure in Cape Girardeau County ($1,408).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Jackson gained value faster than in Cape Girardeau County: 46% against 38%.

Rent in Jackson moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureJacksonCape Girardeau CountyMissouriUnited States
Rental vacancy Unreliable estimate7.5%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.1%1.7%3.4%
People per household 2.482.442.402.53
Drive alone 79%81%75%69%
Carpool 8%7%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 12%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Cape Girardeau County, a household in Jackson has 2.48 people on average.

Many people here do not commute at all: 12% work from home; in Cape Girardeau County, 9%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Jackson?

A typical home is tight for the typical income

We start with a typical home in Jackson, worth $240,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Jackson, which is $77,105 a year. For that payment to be 28% of income, a household would need to earn about $83,081 a year.

The calculator's FHA and conventional loan limits are those of all of Cape Girardeau County.

Your numbers

Local data
$

Starts at the typical home value in Jackson. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,400 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,939

at 7.18% · 30 years

Loan amount
$235,653
Total interest
$339,049
Paid off in
November 2056

Includes $4,053 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,799 a month

  • Tight

    $1,799 to $2,313 a month

    Your payment · 30%

  • Hard

    more than $2,313 a month

Compared with the typical household income in Jackson ($77,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,939
Principal & interest$1,596
Property tax$136
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,400 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Jackson and Cape Girardeau County

Jackson is in Cape Girardeau County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Jackson's own numbers

Typical home value
$240,000
Typical monthly rent
$900
Typical yearly household income
$77,105
Households that own their home
71%
Effective property tax rate
0.68%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cape Girardeau County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,012
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
1.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cape Girardeau County.

Everything about Cape Girardeau County

Buying

Buying a home in Jackson

A typical home in Jackson is worth $240,000: 9% above the county and 4% above Missouri. With the typical household income in Jackson ($77,105 a year), a typical home costs 3.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Jackson 3.1 years
  • Cape Girardeau 3.2 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cape Girardeau County

According to FHFA’s house price index, home prices in Cape Girardeau County rose 64% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cape Girardeau County.

Period County Missouri U.S.
Last year (2025) +5.1% +3.7% +2.9%
5 years (2020–2025) +43% +51% +47%
10 years (2015–2025) +64% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Jackson next to Cape Girardeau County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Jackson $240,000
  • Cape Girardeau $220,700
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Jackson $900
  • Cape Girardeau $881
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Jackson $77,105
  • Cape Girardeau $68,464
  • Missouri $70,702
  • United States $80,734
See the full table
Jackson next to Cape Girardeau County and Missouri
Measure Jackson Cape Girardeau County Missouri U.S.
Typical home value $240,000 $220,700 $230,300 $332,700
Typical monthly rent $900 $881 $1,033 $1,413
Typical yearly household income $77,105 $68,464 $70,702 $80,734
Households that own their home 71% 67% 68% 65%
Typical yearly property tax $1,622 $1,421 $1,948 $3,119
Effective property tax rate 0.68% 0.64% 0.85% 0.94%
Renters with high rent for their income 37% 46% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cape Girardeau County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Jackson

For a typical $240,000 home in Jackson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jackson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,939a month

    Least cash to close
    Down payment
    $8,400
    Cash to close
    $15,600
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,895a month

    Down payment
    $12,000
    Cash to close
    $19,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,537a month

    Down payment
    $48,000
    Cash to close
    $55,200
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,759a month

    Down payment
    $36,000
    Cash to close
    $43,200
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Jackson and for Cape Girardeau County.

Property tax

Effective rate in Jackson

0.68%of the home’s value each year

$1,622 a year for the typical owner in Jackson.

  • Jackson 0.68%
  • Cape Girardeau 0.64%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in Cape Girardeau County

FEMA does not publish these numbers by city: they are for all of Cape Girardeau County.

Homes in the high-risk zone
1.8%
536
Of those, with NFIP insurance
6.9%
County Missouri U.S.
Homes in the high-risk zone 1.8% 1.6% 3.5%
Of those, with NFIP insurance 6.9% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jackson

Typical rent in Jackson is $900 a month: 2% above the county. In Jackson, 37% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cape Girardeau County, by unit size. To pay the 2-bedroom one ($1,012 a month) without spending more than 30% of your income, you would need to earn $19.46 an hour working full time.

HUD fair market rent for all of Cape Girardeau County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $757 $14.56 $30,280
1 bedroom $833 $16.02 $33,320
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,401 $26.94 $56,040
4 bedrooms $1,692 $32.54 $67,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Jackson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jackson is in ZIP code 63755.

For 2 bedrooms it is $1,140: $128 more than the fair market rent for Cape Girardeau County ($1,012).

  • 63755 $1,140$1,580

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jackson when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Jackson

HUD lists 7 buildings with rents for lower incomes in Jackson. These are the largest.

  • Jackson Villa 135 S Shawnee Blvd, Jackson 63755 48 low-income homes · 1 bd: 48 · In service since 2013 · For older adults, people with disabilities
  • Jackson Senior Gardens 2775 E Main St, Jackson 63755 36 low-income homes · 1 bd: 36 · In service since 1998
  • Jackson Senior Garden Apts 2 2900 E Main St, Jackson 63755 30 low-income homes · 2 bd: 30 · In service since 2004
  • 911 Kimbel LN 911 Kimbel Ln, Jackson 63755 28 low-income homes · 1 bd: 28 · In service since 1987
  • Jackson Villa 2 135 S Shawnee Blvd, Jackson 63755 12 low-income homes · 3 bd: 12 · In service since 1992

See all 24 buildings in Cape Girardeau County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jackson

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Cape Girardeau County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Jackson

No down payment, repair or rent-help program on our list is for Jackson or Cape Girardeau County. The ones below are statewide in Missouri: they work in Jackson the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Jackson

The HUD-approved agencies closest to the center of Jackson, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Housing Partnership, Inc.

    729 Lemay Ferry Rd, Saint Louis · 87 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (314) 631-9905

  • Housing Options Provided for the Elderly (H.O.P.E)

    1120 S 6th St, Saint Louis · 90 miles away

    • Reverse mortgage counseling
    (844) 432-6467

  • Justine Petersen Housing and Reinvestment Corporation

    1023 N Grand Blvd, Saint Louis · 93 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (314) 533-2411

All counseling agencies in Missouri

Help in Spanish near Jackson

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Jackson

HUD lists no housing authority with an office in Cape Girardeau County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Missouri Source: HUD

Cities

Other cities in Cape Girardeau County

These cities are also in Cape Girardeau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Cape Girardeau County Housing in Missouri

Nearby cities

The cities closest to Jackson, with the typical home value.

Neighboring counties

If Cape Girardeau County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Jackson.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Jackson

Short answers with the numbers for Jackson and all of Cape Girardeau County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Jackson?

The typical home value in Jackson is $240,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cape Girardeau County it is $220,700.

How much does it cost to rent in Jackson?

Typical rent in Jackson is $900 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cape Girardeau County is $1,012.

What is the FHA loan limit in Jackson?

Jackson uses the FHA limit for all of Cape Girardeau County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Jackson?

The typical homeowner in Jackson pays $1,622 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Cape Girardeau County, the rate is 0.64%.

Where can I find free help to buy or rent in Jackson?

We found no HUD-approved counseling agencies with an office in Cape Girardeau County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).