St. Thomas: Housing & Real Estate
Housing in St. Thomas centers on a median value of $212,000 (estimated market value runs 23% higher at $261,385), with median rent $1,042 (1.3× higher than Cole County median $783; 1.1× higher than Missouri median $956). Homeownership rate: 88.8%. That's 1.1× higher than the Cole County median ($198,900); 1.1× higher than the Missouri median ($199,832). Market is warm. Vacancy rate 1.0%. New construction makes up 6.6% of stock. A municipal building code is in effect.
- 2.4× annual income — home value vs. household income (vs Missouri 2.8×).
- 17.0 years to break even renting at the median (vs Missouri 17y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent runs 14% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $212,000 — 1.1× the Missouri median ($199,831). Median rent $1,042/month. homeownership rate 88.8% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 2.4× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 12.1% |
| Affordability · Rent Affordability | affordable |
| Affordability · Poverty Rate | 3.1% |
| Affordability · Property Tax Pct Income | 1.8% |
| Fair Market Rent · Studio rent | $689 |
| Fair Market Rent · One-bedroom rent | $694 |
| Fair Market Rent · Two-bedroom rent | $910 |
| Fair Market Rent · Three-bedroom rent | $1,266 |
| Fair Market Rent · Four-bedroom rent | $1,379 |
| Fair Market Rent · HUD FMR area | Jefferson City, MO HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $261,385 |
| Median Home Value | $212,000 (vs Missouri $199,832) |
| Median Rent | $1,042 (vs Missouri $956) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 1.0% |
| Housing Market · New construction (% of stock) | 6.6% |
| Housing Market · Price Appreciation 2Yr | 9.4% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (2)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% |
| Broadband · Broadband-capable premises | 116 |
| Electricity · Electricity rate (¢/kWh) | 12.91¢/kWh |
| Electricity · Customers | 2,933,914 |
| Electricity · Revenue Millions | $4,548 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · Refreshed 2026-04-12
Other
| Homeownership Rate | 88.8% |
|---|---|
| Median Year Built | 1972 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12