HomeMissouriCole CountyJefferson City
Jefferson City, Missouri: commercial real estate data.
Jefferson City is a Census city of 42,488 people across 36.06 square miles of land, lying across Cole County and Callaway County. Median household income is $66,371, 59.2 percent of occupied homes are owned, and the SBA record carries 53 7(a) approvals to borrowers here worth $38.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Jefferson City
What Jefferson City is
- Census place typecity
- Land area36.06 sq mi
- Water area1.6 sq mi
- Population per square mile of land1,178
- County holding the largest share of its areaCole County, 88.3 percent
- Counties this place lies inCole County 88.3 percent, Callaway County 11.7 percent
Jefferson City crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jefferson City
How many people live in Jefferson City
- Population42,488
- Median age38.9
- Population under 188,443
- Share under 1819.9 percent
- Population 65 and over7,426
- Share 65 and over17.5 percent
- Households17,529
- Family households9,391
- Share of households that are families53.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jefferson City
Income and work in Jefferson City
- Median household income$66,371
- Per capita income$37,220
- Civilian labor force21,505
- Employed20,821
- Unemployed684 plus or minus 214
- Unemployment rate3.2 percent plus or minus 1.0
- Adults 25 and over29,554
- Adults 25 and over with a high school diploma or higher92.8 percent
- Adults 25 and over with a bachelor degree or higher38.7 percent
- Adults 25 and over with a graduate degree15.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jefferson City
Housing in Jefferson City
- Housing units19,354
- Occupied units17,529
- Vacant units1,825
- Vacancy rate9.4 percent
- Owner occupied10,378
- Renter occupied7,151
- Ownership rate59.2 percent
- Median owner-occupied home value$218,700
- Median gross rent, monthly$802
- Annual rent as a share of median income14.5 percent
- Single family units12,541
- Share single family64.8 percent
- Units in buildings of two or more6,621
- Share in buildings of two or more34.2 percent
- Mobile homes192 plus or minus 97
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jefferson City
How Jefferson City gets to work
- Workers 16 and over who commute18,552
- Commuting under 15 minutes10,052
- Share commuting under 15 minutes54.2 percent
- Commuting 30 minutes or more2,573
- Share commuting 30 minutes or more13.9 percent
- Drove alone74.2 percent
- Carpooled10.3 percent plus or minus 2.3
- Public transport0.7 percent plus or minus 0.5
- Walked1.8 percent plus or minus 0.7
- Worked from home10.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jefferson City
SBA loans in Jefferson City (7(a))
- Approvals53
- Gross approval$38,410,800
- Average approval$724,732
- Median approval$150,000
- Ninetieth percentile approval$2,688,000
- Largest approval$5,000,000
- Jobs supported656
- Jobs per approval12.4
- Loans with a final outcome13
- Paid in full12
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more13.2 percent
- Share to franchises5.7 percent
- Distinct lenders15
- Distinct industries by NAICS31
Counted by borrower city: approvals to borrowers whose address is in Jefferson City, in any county, FY2020 to FY2026. Only 13 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Jefferson City
SBA loans in Jefferson City (504)
- Approvals18
- Gross approval$11,919,000
- Average approval$662,167
- Median approval$421,500
- Largest approval$2,590,000
- Jobs supported277
- Loans with a final outcome6
- Charged off1
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Jefferson City, in any county, FY2010 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Jefferson City
Flood risk in Jefferson City
- NFIP communityCity of Jefferson City
- NFIP community number290108
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/02/12
The City of Jefferson City participates in the National Flood Insurance Program as community 290108 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cole County, not Jefferson City
Cole County context, not Jefferson City figures
- Establishments in Cole County2,224
- Covered employment, Cole County54,302
- Average annual pay, Cole County$55,952
- Housing units permitted, Cole County171
Every figure in this section is published for Cole County as a whole and is not a measurement of Jefferson City.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Jefferson City questions, answered from the record.
How many people live in Jefferson City, Missouri?
42,488, in 17,529 households. Jefferson City city covers 36.06 square miles of land, which is 1,178 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Jefferson City in?
Jefferson City lies in more than one. By area it is 88.3 percent in Cole County, 11.7 percent in Callaway County. This page sits under Cole County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Jefferson City?
$66,371. The median owner-occupied home is valued at $218,700. Median gross rent is $802 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Jefferson City businesses?
53 7(a) approvals totaling $38.4 m since FY2020, across 15 lenders, median approval $150,000, plus 18 504 approvals worth $11.9 m since FY2010. These count approvals to borrowers whose address is in Jefferson City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Jefferson City borrowers get paid back?
No rate is published for Jefferson City. Only 13 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Jefferson City in the National Flood Insurance Program?
Yes. Jefferson City appears in the FEMA Community Status Book as Jefferson City, city of, community 290108, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Jefferson City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cole County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Jefferson City.
Is zoning published for Jefferson City?
No. Nothing on this page presents parcel level zoning.
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