ZIP Code · MO

ZIP 65109

Part of Jefferson City, MO

Pop. 41,145·Cole County·123rd most expensive ZIP in Missouri

Median rent (all units)

$1,079/mo

Year-over-Year

+8.1%

Month-over-Month

+1.3%

vs US Median

-$853

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 65109 · $1,079

More affordable than 96% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

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: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Missouri

Rent in ZIP 65109 changed +8.1% over the year to September 2026. Across the 119 Missouri ZIP codes Zillow tracks, the typical change was +4.6%.

Recent direction

Rent has risen 7 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($74,694) is $1,867 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,440).

Cheaper nearby

ZIP 65101, 9 miles away, rents for 10% less ($971/mo), about $1,300 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 65109. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$12,948/yr

At $1,079/mo median

Location

CityJefferson City

StateMO

CountyCole County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 8.1% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+8.1% YoY, +1.3% 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

Tips for renters in ZIP 65109

About renting in ZIP 65109

Last updated: October 17, 2026

ZIP code 65109 covers Jefferson City, MO. The median rent here is $1,079/mo as of October 2026. A 1-bedroom rents for a median of $720/mo. A 2-bedroom rents for a median of $950/mo.

At 17% of local median household income ($74,694/yr), ZIP 65109 ranks as affordable compared to the national benchmark of 30%. Rents have increased 8.1% over the past year.

FAQ

Frequently asked questions

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 $43,000/year (about $21/hour full-time) to afford the median rent of $1,079/mo in ZIP 65109. The local median household income is $74,694/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 65109?

Rent in ZIP 65109 has risen 8.1% over the past year.

How does ZIP 65109 compare to other ZIPs in Missouri?

ZIP 65109 is one of the more affordable among Missouri ZIP codes for rent, ranking #123 of 137 at $1,079/mo. Over the year to September 2026, rent in ZIP 65109 changed +8.1%, against a typical +4.6% across the 119 Missouri ZIP codes Zillow tracks.