City · 8,579 residents · Jefferson County, Tennessee
Jefferson City, Tennessee
In Jefferson City, a typical home is worth $213,200 and typical rent is $851 a month. Compared with all of Jefferson County, typical household income is 8% lower, the typical home value is 7% lower, and the share of households that own their home is 25 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $227,147 to $308,184.
Typical rent
$1,214a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jefferson City is in Jefferson 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 Jefferson County. See the county
What this place has that others do not, from public data, most unusual first.
1
51% of households in Jefferson City own their home, against 76% in Jefferson County.
2
Nearby, in Newport, the typical home value is $133,500: 37% less than in Jefferson City ($213,200).
3
Nearby, in Newport, the typical rent is $720: 15% less than in Jefferson City ($851).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jefferson City
What homes there are in Jefferson City, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Jefferson City
Jefferson County
Tennessee
United States
Kind of home: Jefferson City and its comparisons
Measure
Jefferson City
Jefferson County
Tennessee
United States
Detached house
57%
68%
68%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
23%
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
22%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Jefferson City, 6 in 10 homes are single-family detached houses; in Jefferson County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Jefferson City
Jefferson County
Tennessee
United States
Year built: Jefferson City and its comparisons
Measure
Jefferson City
Jefferson County
Tennessee
United States
Before 1960
21%
14%
18%
26%
1960–1979
26%
21%
23%
24%
1980–1999
29%
35%
29%
25%
2000–2009
16%
17%
16%
14%
2010 or later
9%
14%
15%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K37%
$200K–$300K30%
$300K–$500K23%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jefferson City and its comparisons
Measure
Jefferson City
Under $100K
Unreliable estimate
$100K–$200K
37%
$200K–$300K
30%
$300K–$500K
23%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,49922%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jefferson City and its comparisons
Measure
Jefferson City
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
22%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,350 a month
Jefferson County: $1,289 a month
Without a mortgage
$408 a month
Jefferson County: $421 a month
Owners with a mortgage
55%
Jefferson County: 50%
In Jefferson City, 55% of owners have a mortgage; their typical cost is $1,350 a month, about the same as in Jefferson County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jefferson City+67%
Jefferson County+57%
Tennessee+72%
United States+53%
Typical rent
Jefferson City+30%
Jefferson County+33%
Tennessee+37%
United States+33%
Typical household income
Jefferson City+57%
Jefferson County+35%
Tennessee+31%
United States+29%
Change since 2015–2019: Jefferson City and its comparisons
Measure
Jefferson City
Jefferson County
Tennessee
United States
Typical home value
+67%
+57%
+72%
+53%
Typical rent
+30%
+33%
+37%
+33%
Typical household income
+57%
+35%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Jefferson City rose 67%; in Jefferson County, it rose 57%.
The typical rent in Jefferson City rose 30% over the same time; in Jefferson County, it rose 33%.
To compare: typical income in Jefferson City rose 57%; the home, +67%; the rent, +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jefferson City and its comparisons
Measure
Jefferson City
Jefferson County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.2%
2.2%
3.4%
People per household
2.34
2.53
2.45
2.53
Drive alone
91%
84%
76%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
Unreliable estimate
7%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Jefferson City has 2.34 people, fewer than in Jefferson County (2.53).
To get to work, 91% of workers in Jefferson City drive alone; in Jefferson County, 84%.
Do the math
What would you pay each month for a home in Jefferson City?
A typical home is tight for the typical income
We start with a typical home in Jefferson City, worth $213,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Jefferson City, which is $60,638 a year. For that payment to be 28% of income, a household would need to earn about $72,356 a year.
The calculator's FHA and conventional loan limits are those of all of Jefferson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Jefferson City. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,462 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,688
at 7.18% · 30 years
Loan amount
$209,338
Total interest
$301,189
Paid off in
November 2056
Includes $3,600 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,415 a month
Tight
$1,415 to $1,819 a month
Your payment · 33%
Hard
more than $1,819 a month
Compared with the typical household income in Jefferson City ($60,638 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,418
Property tax
$87
Home insurance
$89
FHA mortgage insurance (MIP)
$94
You need at least $7,462 for the down payment, plus closing costs.
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.
Total monthly payment $1,688; principal and interest $1,418.
The city and its county
Jefferson City and Jefferson County
Jefferson City is in Jefferson County, Tennessee. 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).
Jefferson City
Map of Jefferson County, Tennessee, with Jefferson City marked. Around it, the neighboring counties.
Jefferson City
Jefferson County
Other cities with a page
Jefferson City's own numbers
Typical home value
$213,200
Typical monthly rent
$851
Typical yearly household income
$60,638
Households that own their home
51%
Effective property tax rate
0.49%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jefferson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+77%
Homes in a high flood-risk zone
0.8%
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 Jefferson County.
A typical home in Jefferson City is worth $213,200: 7% below the county and 26% below Tennessee. With the typical household income in Jefferson City ($60,638 a year), a typical home costs 3.5 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.
Jefferson City3.5 years
Jefferson3.5 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jefferson County
According to FHFA’s house price index, home prices in Jefferson County rose 132% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jefferson County.
Yearly change in FHFA’s price index in Jefferson County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +2.1% +2.1% 2017
2018: +7.4% +7.4% 2018
2019: +7.9% +7.9% 2019
2020: +6.4% +6.4% 2020
2021: +15.3% +15.3% 2021
2022: +22.4% +22.4% 2022
2023: +13.0% +13.0% 2023
2024: +7.0% +7.0% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Jefferson County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+4.1%
+2.4%
+2.9%
5 years (2020–2025)
+77%
+60%
+47%
10 years (2015–2025)
+132%
+114%
+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
Jefferson City next to Jefferson County, Tennessee and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Jefferson City$213,200
Jefferson$229,300
Tennessee$286,700
United States$332,700
Typical monthly rent
Jefferson City$851
Jefferson$904
Tennessee$1,189
United States$1,413
Typical yearly household income
Jefferson City$60,638
Jefferson$66,114
Tennessee$69,595
United States$80,734
See the full table
Jefferson City next to Jefferson County and Tennessee
Measure
Jefferson City
Jefferson County
Tennessee
U.S.
Typical home value
$213,200 ▼7% below the county
$229,300
$286,700
$332,700
Typical monthly rent
$851 ▼6% below the county
$904
$1,189
$1,413
Typical yearly household income
$60,638 ▼8% below the county
$66,114
$69,595
$80,734
Households that own their home
51% ▼25 points below the county
76%
67%
65%
Typical yearly property tax
$1,045 ▲7% above the county
$978
$1,442
$3,119
Effective property tax rate
0.49% ▲0.06 points above the county
0.43%
0.5%
0.94%
Renters with high rent for their income
44% ▲3 points above the county
41%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson 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 Jefferson City
For a typical $213,200 home in Jefferson City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jefferson City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,688a month
Least cash to close
Down payment
$7,462
Cash to close
$13,858
Rate
7.18%
Mortgage insurance
FHA MIP · $94
Conventional, 5% down$1,649a month
Down payment
$10,660
Cash to close
$17,056
Rate
7.18%
Mortgage insurance
PMI · $101
Conventional, 20% down, no PMI$1,331a month
Down payment
$42,640
Cash to close
$49,036
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,528a month
Down payment
$31,980
Cash to close
$38,376
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jefferson City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,688
$7,462
$209,338
7.18%
FHA MIP · $94
$13,858
580
Conventional, 5% down
$1,649
$10,660
$202,540
7.18%
PMI · $101
$17,056
620*
Conventional, 20% down, no PMI
$1,331
$42,640
$170,560
7.18%
None
$49,036
620*
ITIN, 15% down (example)
$1,528
$31,980
$181,220
8.18%
None
$38,376
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Jefferson City and for Jefferson County.
Property tax
Effective rate in Jefferson City
0.49%of the home’s value each year
$1,045 a year for the typical owner in Jefferson City.
Jefferson City0.49%
Jefferson0.43%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
Typical rent in Jefferson City is $851 a month: 6% below the county. In Jefferson City, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jefferson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$906
$17.42
$36,240
1 bedroom
$912
$17.54
$36,480
2 bedrooms
$1,153
$22.17
$46,120
3 bedrooms
$1,405
$27.02
$56,200
4 bedrooms
$1,838
$35.35
$73,520
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 Jefferson City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jefferson City is in ZIP code 37760.
For 2 bedrooms it is $1,150: $3 less than the fair market rent for Jefferson County ($1,153).
Fair market rent by ZIP code and size in Jefferson City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
37760
$900
$910
$1,150
$1,400
$1,830
ZIP code2 bd3 bd
37760 $1,150$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jefferson City 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Jefferson City. These are the largest.
Jefferson City Housing Authority540 Sycamore Ln, Jefferson City 37760197 low-income homes · Run by Jefferson City Housing Authority · Average payment: $456 a month · Average wait: 18 months · Homes at several sites(865) 475-2064
Bradford Square Apts100 Ossie Cir, Jefferson City 3776050 low-income homes · 2 bd: 50 · In service since 1999 · For people with disabilities
Striplin Place Apts2135 Turkey Trl, Jefferson City 3776024 low-income homes · 3 bd: 24 · In service since 2000 · For people with disabilities, families
Jefferson Group Home1424 Fate Rankin Rd, Jefferson City 377609 homes, 8 low-income · For people with disabilities(865) 475-5595
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 Jefferson County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Jefferson City or Jefferson County. The ones below are statewide in Tennessee: they work in Jefferson City the same as in the rest of the state.
Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage.Offered by Tennessee Housing Development Agency (THDA).
The HUD-approved agencies closest to the center of Jefferson City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CR
Clinch-Powell Resource Conservation and Development Council, Inc
No legal help resource on our list is for Jefferson City or Jefferson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Jefferson City and all of Jefferson 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 Jefferson City?
The typical home value in Jefferson City is $213,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $229,300.
How much does it cost to rent in Jefferson City?
Typical rent in Jefferson City is $851 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,153.
What is the FHA loan limit in Jefferson City?
Jefferson City uses the FHA limit for all of Jefferson 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 Jefferson City?
The typical homeowner in Jefferson City pays $1,045 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Jefferson County, the rate is 0.43%.
Where can I find free help to buy or rent in Jefferson City?
We found no HUD-approved counseling agencies with an office in Jefferson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
