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ZIP Code · MO

ZIP 65109

Pop. 41,145·Cole County·111th most expensive ZIP in Missouri
Median rent (all units)
$1,197/mo
Year-over-Year
+18.4%
Month-over-Month
-1.6%
vs US Median
-$768
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 65109 · $1,197
More affordable than 92% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$720
1 BR
$720
2 BR
$950
3 BR
$1,320
4 BR+
$1,440
Research median
$950/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$14,364/yr
At $1,197/mo median
Location
StateMO
CountyCole County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 18.4% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+18.4% YoY, -1.6% MoM), not inventory.
Demographics

Who lives here

ZIP 65109 (Jefferson City, MO) is majority owner-occupied, 45.3% of residents hold a bachelor's degree or higher.

Population
41,145
Median income
$74,694
Median age
40.6
Renters
33.3%
Age distribution
22.6%
20.5%
24.5%
12.8%
19.6%
Under 1822.6%
18–3420.5%
35–5424.5%
55–6412.8%
65+19.6%
Gender
46.6%
53.4%
Male46.6%
Female53.4%
Race & ethnicity
82.4%
White82.4%
Black6.7%
Hispanic4.1%
Asian2.3%
Other4.4%
Education (25+)
26%
25.5%
45.3%
No HS diploma3.2%
HS diploma26%
Some college25.5%
Bachelor's+45.3%
Housing tenure
66.7%
33.3%
Owner66.7%
Renter33.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 65109 in Jefferson City, MO has changed in 5 years

Income
$65,028 → $74,694
up 14.9%
Population
40,055 → 41,145
up 2.7%
Renter share
35.4% → 33.3%
-2.1 pts
Bachelor's+
41.1% → 45.3%
+4.2 pts

On the earnings side, the typical household in ZIP 65109 in Jefferson City, MO now reports about $74,694, up from $65,028 in 2021. Headcount in the area went from 40,055 to 41,145 between 2021 and 2024, a 2.7% change. About 33.3% of households rent today, against 35.4% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 41.1% to 45.3%.

Community

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Local insights

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About renting in ZIP 65109

Last updated: July 20, 2026

ZIP code 65109 covers Jefferson City, MO. The median rent here is $1,197/mo as of July 2026. A 1-bedroom rents for a median of $720/mo. A 2-bedroom rents for a median of $950/mo.

At 19% of local median household income ($74,694/yr), ZIP 65109 ranks as affordable compared to the national benchmark of 30%. Rents have increased 18.4% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 65109?

As of July 20, 2026, the median monthly rent in ZIP 65109 (Jefferson City, MO) is $1,197. This is based on aggregated data from public sources and community submissions.

How does ZIP 65109 rent compare to the US average?

ZIP 65109's median rent of $1,197/mo is $768 (39%) below the US national median of $1,965/mo.

How does ZIP 65109 compare to other ZIPs in Missouri?

ZIP 65109 is among the more affordable ZIP codes in Missouri, ranking #111 out of 136 ZIPs at $1,197/mo.

How much income do you need to rent in ZIP 65109?

To keep rent at or below 30% of gross income, you would need to earn at least $48,000/year (~$23/hour full-time) to afford the median rent of $1,197/mo in ZIP 65109. The local median household income is $74,694/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 65109?

Rent in ZIP 65109 has increased 18.4% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 65109 an affordable place to rent?

ZIP 65109 is considered very affordable for renters. At $1,197/mo, rent takes approximately 19% of the local median household income ($74,694/yr). The standard benchmark is 30%. ZIP 65109 falls comfortably within that range.

What percentage of ZIP 65109 residents rent vs. own?

According to Census data, approximately 33.3% of ZIP 65109 households are renters, while 66.7% are owner-occupied. ZIP 65109 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 65109 compare to the rest of Jefferson City?

ZIP 65109 is pricier than Jefferson City as a whole. At $1,197/mo, it's $99 above the Jefferson City citywide median of $1,098/mo.

When was rent data for ZIP 65109 last updated?

Rent data for ZIP 65109 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
19%
VERY AFFORDABLE

At $1,197/mo, rent takes ~19% of ZIP 65109's median household income ($74,694/yr). The standard benchmark is 30%.

ZIP 65109 19%Benchmark 30%
State income tax2–4.7%
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Schools nearby

Public schools near ZIP 65109 (Jefferson City, MO)

Recent submissions

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