Holts Summit, Missouri.
Typical home $288,413 (+5.0% in a year). Jefferson City, MO metro.
to buy the typical home at today's mortgage rate — +$805 (+114%) since Jan 2020.
- 1 year
- Up $13,830 +5%
- $274,584$288,413 since Sep 2025
- 5 years
- Up $50,967 +21%
- $237,446$288,413 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Holts Summit$1,514
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Holts Summit, MO rose 5.0% over the past year — faster than the nation's +1.2%.
Living in Holts Summit, Callaway County, Missouri
Holts Summit is a city of 4,458 people in Callaway County. Half its households earn more than $85,064 a year and half less, against $74,176 across Callaway County; 5% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Callaway County was 3.3% in August 2026, and the county had 1.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then government.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Holts Summit is a small city in Callaway County, with a younger population than many Missouri towns. Most homes are lived in by their owners, and household incomes run higher than across the county, with relatively few people living below the poverty line. Winters are cold and summers are hot, with rain and melted snow spread through the year.
Work. Many residents work in schools, hospitals and social care, followed by government, shops and manufacturing. Across Callaway County, the largest workplaces include William Woods University, Fulton 58 Schools and Walmart. Fewer than the usual share of adults hold a four-year degree, the typical commute is a moderate one, and few people work from home.
Things to do. For time outdoors, Jefferson Landing State Historic Site is a protected area a short drive away, and the Missouri State Museum is also a short drive off. Rock Bridge Memorial State Park, another protected area, is a longer drive. The Osage River and the Moreau River are both rivers within a short drive.
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- 1,674households
- 27%of adults have a degree
- 5%below the poverty line
- 23 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Callaway County had 14,759 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 22°; warmest in July, with highs near 89° and lows near 68°. About 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Jefferson City Mem Airport weather station, 4 miles away (NOAA).
Largest workplaces in Callaway County
- FultonGeneral warehousing and storage570
- William Woods UniversityUniversity or college359
- Avail Infrastructure SolutionsBus bar structures, switchgear-type, manufacturing255
- Fulton 58 SchoolsSchool district255FTE
- WalmartWarehouse clubs and supercenters233
- Westminster CollegeUniversity or college220
- North Callaway Co. R-I SchoolsSchool district160FTE
- South Callaway Co. R-II SchoolsSchool district137FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 2,055 people in all across the county; Holts Summit has two of its own. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
- LandslidesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Holts Summit’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Callaway County and the Jefferson City, MO metro.
Holts Summit home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Holts Summit$288,413
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 5 Holts Summit listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Holts Summit18.45%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Holts Summit27
New listings per month
Sellers arriving at the market.
- Holts Summit11
Zip codes with a Holts Summit address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Holts Summit — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.