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Cole County, MO

Jefferson

RANK #95 / 996 NAT  ·  #7 / 22 MO  ·  POP 76,890

1YR FORECAST: +5.7%

5YR OUTLOOK: +36%

Our model projects Cole County's housing market to grow +5.7% over the next year, significantly outpacing the national average.

[01] Why Cole County?

Cole County, Missouri, is defined by its role as home to Jefferson City, the state capital, which features the prominent Missouri State Capitol building overlooking the Missouri River. Located in central Missouri, the county is about a two-hour drive from both St. Louis and Kansas City. The community maintains a balance between urban and rural characteristics. Commutes within Cole County are shorter than the state average, with an average travel time of 18.4 minutes. The Missouri River forms the county's northern border, offering opportunities for water sports, fishing, and hiking along trails like the Katy Trail. Local parks, such as Binder Park, provide additional outdoor recreation with trails, fishing lakes, and disc golf courses.

Life in Cole County is characterized by a stable community with a focus on public services and education. The county is served by several public school districts, including Jefferson City Public Schools and Blair Oaks R-II School District, which are considered above average. The economy is largely driven by government, education, and healthcare sectors due to Jefferson City's status as the state capital and home to Lincoln University. Recent economic developments include investments in infrastructure and the redevelopment of the Missouri State Penitentiary site, which aims to create new business opportunities. There is also a growing interest in expanding sales tax to include services, which could impact county revenue.

[02] Market Snapshot

Housing Ratio
2.6x

Undervalued relative to economy

GDP Growth
+4.5%

Well above national median

Home Prices
+6.6%

Outpacing national median

Climate & Terrain
1.0

Moderate climate & terrain

Price/Rent
18x

Above national median (13x)

Housing looks undervalued at 2.6x — home prices are low relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    State of Missouri Government
    10,000+
  2. 2
    Lincoln University Education
    1,000+
  3. 3
    County of Cole Government
    250+
  4. 4
    Gerbes Super Market Retail
  5. 5
    Missouri Farm Bureau Finance
  6. 6
    McDonald's Restaurants Hospitality
  7. 7
    Capital Region Medical Center Healthcare
  8. 8
    Jefferson City Medical Group Healthcare
  9. 9
    Central Bank Finance
  10. 10
    New Horizons Healthcare

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Cole County U.S. National

The Numbers

DEMOGRAPHICS
Population
76,890
-0.67% YoY
Median Household Income
$70,667
Median Home Value
$198,900
+6.64% 12mo
Median Rent
$783
Average Annual Pay
$55,952
+4.9% YoY
Employment
54,302
+1.6% YoY
Income-to-Home-Value
0.3553
More affordable than average
Migration Inflow
4.29%
of pop. from another state
Bachelor's Degree+
35.8%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$269,900
Days on Market
21
Active market
Months of Supply
1.8
Seller's market
Sale-to-List Ratio
100.4%
Homes selling above asking
Sold Above List
3.3%
Listings w/ Price Drops
33.3%
Building Permits (2024)
171
Single-Family Permits
157

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

C
SAFETY
GRADE
Homicide Rate
6.1
per 100K · nat avg 6.3
Firearm Fatalities
16.4
per 100K · nat avg 14.8
Injury Deaths
73.5
per 100K · nat avg 76.3
vs National Average
Near national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Capital Investment

$35,533M
TOTAL
PROJECT AMOUNT STATUS
Amazon Web Services (AWS) "Project Green" Data Center Campus
Amazon Web Services (AWS)
$35,000M Proposed
Google Data Center
Google
$500M Proposed
Cole County Capital Improvements Program (Roads, Bridges, Stormwater)
Cole County
$33M Planned

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[07] Score Breakdown

GDP Growth +4.5% 78 percentile
Population Growth -0.7% 7 percentile
Income Growth +9.2% 67 percentile
Vacancy Rate 1.8% 11 percentile
Home Price Change +6.6% 96 percentile
Rent Growth +10.9% 98 percentile
Price/Rent 18x 17 percentile

Bars show percentile rank among all 996 counties.

[08] Frequently Asked Questions

Is Cole County, MO a good place to move to?

Cole County ranks #95 out of 996 U.S. counties on the Boom Town Index with a score of 90/100, putting it in the top tier nationally. Job growth of +1.6% and a median household income of $70,667 point to a county with active economic momentum.

Is Cole County affordable?

By national standards, Cole County is quite affordable. Homes here have a median value of $198,900, and the income-to-home-value ratio of 0.36 is well above the U.S. average — especially with median rent at just $783/month. Residents can generally buy a home without being cost-burdened.

Is Cole County growing or shrinking?

It's a mixed picture in Cole County. The population is declining (-0.7% YoY), but employers are actually hiring — job growth is at +1.6%. Home values moved +6.6% in the last year. That tension between shrinking population and expanding employment often signals a county in transition.

Are people moving to Cole County?

There's a moderate stream of newcomers. About 4.29% of residents moved from another state, which is above average and suggests Cole County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

How is the housing market in Cole County?

Home values climbed +6.6% year-over-year, which is a solid pace of appreciation. The median home in Cole County is now valued at $198,900. That kind of growth typically reflects sustained demand rather than speculative frenzy.

[09] Similar Counties by Size & Score

Jasper County, MO 91 Pulaski County, MO 93 Johnson County, MO 94 Jefferson County, MO 86 Lincoln County, MO 83 Franklin County, MO 98 Van Buren County, MI 90 Lawrence County, PA 90