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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Jefferson City, TN Housing Affordability Index

Jefferson City, Tennessee has an MBR Housing Affordability Index score of 134.5 (Highly Affordable) as of October 30, 2026, ranking 171st most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $213,200 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $1,156, or 23% of the city’s $60,638 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Jefferson City is updated every night from live Tennessee mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Jefferson City MBR-HAI 134.5 Highly Affordable
Rank in Tennessee 171 of 380 1 = most affordable
Tennessee 103.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.18% Tennessee lenders
Median home value $213,200 U.S. Census Bureau

Jefferson City is 30.8 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Jefferson City Mortgage Rates

What It Takes to Buy in Jefferson City

$1,156/mo
Principal & Interest
Median home, 20% down, 7.18%
$49,500
Income Needed
To keep the payment at 28% of income
$60,638
Median Household Income
Tennessee: $69,595
3.5x
Price-to-Income Ratio
Tennessee: 4.1x
$850/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$956/yr
Median Property Tax
0.45% of median value
13.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Jefferson City, Tennessee. The rate is the Tennessee average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Jefferson City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Jefferson City, Tennessee score: 134.5 (Highly Affordable), ranked 171 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/jefferson-city”