65109 Property Tax Rate
Jefferson City, Missouri · Part of Cole County
Effective Tax Rate
0.85%
26.2% above state avgMedian Annual Tax
$1,737
$145/mo escrow
Estimate Your Tax
Annual Tax
$1,737
Monthly
$145
Eff. Rate
0.85%
Buyer decision brief
What ZIP 65109 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$145/mo
Based on median annual tax paid
State context
0.07 percentage points above the Missouri average
Missouri average: 0.78%
Data confidence
High confidenceThe Census margin of error is $59, about 3% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Cole County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 65109 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$59 tax MOE, 3% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Cole County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 65109
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $204,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.85%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Missouri and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $145 per month before insurance, HOA dues, or special assessments.
Assessor verification
Cole County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 65109 Compares
Median Annual Property Tax
ZIP 65109
0.85%
Effective rate
Missouri Avg
0.78%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Missouri
Higher than 68% of ZIP codes in Missouri(68th percentile, 915 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 65109
Property owners in ZIP code 65109 (Jefferson City, Missouri) pay a median of $1,737/year in property taxes on homes valued at $204,700. This translates to an effective tax rate of 0.85%, which is 9% above the Missouri state average of 0.78%.
The monthly property tax burden for a median-valued home in 65109 is approximately $145, which factors into escrow payments on mortgages. This ZIP code is located within Cole County. This is $361 more than the Missouri average of $1,376/year.
Compared to similar ZIP codes in Missouri, 65109 has lower property taxes. ZIP codes with similar effective rates include 63601 (0.85%) and 63461 (0.85%).
In Jefferson City, property taxes represent approximately 2.4% of the median household income of $72,430, providing context for the relative tax burden on homeowners in this area.
Missouri reassesses property at market value upon sale, with no statewide cap on increases—Cole County will establish a new tax basis at your purchase price. Cole County residents qualify for Homestead Exemption and Senior Exemption (age 65+); file with the Cole County Assessor's office within 30 days of closing. Request your official property assessment from the Cole County Assessor and submit a formal appeal within 30 days if you dispute the appraised value.
Frequently Asked Questions
What is the property tax rate in ZIP code 65109?
How much are property taxes in Jefferson City, MO (65109)?
How does ZIP 65109 compare to the Missouri average?
What is the median home value in ZIP 65109?
What county is ZIP code 65109 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$59. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 65109 is part of Cole County, Missouri. View the full county profile for broader context and more data.
View Cole County on TaxByCounty →Explore Jefferson City, MO
View all 2 ZIP codes in Jefferson City with property tax comparisons.
View Jefferson City Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 65109
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
65101
Jefferson City, MO
0.07 percentage points lower than ZIP 65109.
Rate
0.78%
Tax
$1,820
Quality
96
65023
Centertown, MO
0.20 percentage points lower than ZIP 65109.
Rate
0.65%
Tax
$1,359
Quality
89
65053
Lohman, MO
0.15 percentage points lower than ZIP 65109.
Rate
0.69%
Tax
$2,280
Quality
89
65076
Saint Thomas, MO
0.14 percentage points lower than ZIP 65109.
Rate
0.71%
Tax
$1,310
Quality
84
65040
Henley, MO
0.04 percentage points lower than ZIP 65109.
Rate
0.81%
Tax
$1,540
Quality
84
63124
Saint Louis, MO
$762,600 higher median home value than ZIP 65109.
Rate
1.03%
Tax
$10,001
Quality
82
63073
Saint Albans, MO
0.10 percentage points lower than ZIP 65109.
Rate
0.74%
Tax
$5,982
Quality
69
63105
Saint Louis, MO
$530,800 higher median home value than ZIP 65109.
Rate
1.28%
Tax
$9,379
Quality
94
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.