Saint Thomas, Missouri.
Typical home $378,576 (+13.2% in a year). Jefferson City, MO metro.
to buy the typical home at today's mortgage rate — +$1,215 (+157%) since Jan 2020.
- 1 year
- Up $44,069 +13%
- $334,506$378,576 since Sep 2025
- 5 years
- Up $121,364 +47%
- $257,212$378,576 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.
- Saint Thomas$1,987
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Saint Thomas, MO rose 13.2% over the past year — faster than the nation's +1.2%.
Living in Saint Thomas, Cole County, Missouri
Saint Thomas is a town of 222 people in Cole County. Unemployment in Cole County was 3.3% in August 2026, and the county had 0.4% more jobs in 2025 than the year before. The most people in Cole County 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 It can be wrong or out of date.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. Saint Thomas is a very small town in Cole County, Missouri, with a population that leaves most households knowing one another. The median age is close to that of the country as a whole, and a very small share of residents live below the poverty line. Homes here are typically valued well above what is common across much of the country, and winters are cold, with some snow, while summers turn properly warm and the year brings a fair amount of rain.
Work. Residents mostly work in schools, hospitals and social care, in government, in shops, and in professional and business services. Across Cole County, some of the largest workplaces are Jefferson City Schools, SSM Health-St. Marys-Jefferson City and Hitachi Energy USA in Jefferson City. Joblessness across the county is low and a little lower than a year earlier, the number of jobs has edged up, and the typical commute is a fairly short drive.
Things to do. Bois Brule Creek runs in or beside town, and Tavern Creek and Cub Creek are both a short drive away for time near the water. A longer drive brings you to the Osage River and to Lake of the Ozarks, a large reservoir popular for boating and lakeside days out. Jefferson Landing State Historic Site, also a longer drive away, is a protected historic site on the Missouri River.
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- 3%below the poverty line
- 27 mintypical commute
What people in Cole County work in
Employed residents by industry, from the Census survey. Cole County had 54,542 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 21°; warmest in July, with highs near 88° and lows near 69°. About 9 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Jefferson City Wtp weather station, 15 miles away (NOAA).
Largest workplaces in Cole County
- Jefferson City SchoolsSchool district1,491FTE
- Hitachi Energy USA, inc. Jefferson CityDistribution transformers, electric, manufacturing1,256
- ScholasticGeneral warehousing and storage906
- Unilever680
- Capital Holding GroupConstruction management, highway, road, street and bridge678
- SSM Health-st. Marys-jefferson CityGeneral hospital649FTE
- Capital Region Medical CenterGeneral hospital611FTE
- Jefferson City Medical GroupPhysicians' offices590
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 75 workplaces with 20 or more staff, 12,395 people in all across the county; Saint Thomas has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Ice stormsRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Thomas’ 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 Cole County and the Jefferson City, MO metro.
Saint Thomas home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Thomas$378,576
- Missouri$265,387
- United States$366,157
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.
Zip codes with a Saint Thomas address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Thomas — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.