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Lake Ozark, MO

Missouri

Lake Ozark is a small town in Missouri with a population of 2,451. Residents earn $80,476 per year, which is 7% above the national average.

3.5 /5.0
B+ Good
2,451 Population 341/sq mi density
$80,476 Median Income $46,011 per capita
$308,700 Home Value $321,511 Zillow
$1,017 Median Rent 31.0% income on rent
56°F Avg Temperature 263 sunny days/yr
359 Violent Crime/100K 3,653 property/100K
B+
Overall
3.5 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.2 / 5.0
$80,476 median income, 3.0% unemployment
A+
Affordability
4.5 / 5.0
$308,700 home value, $1,017/mo rent
F
Safety
1.0 / 5.0
359 violent crimes/100K (5% below avg)
A
Education
4.3 / 5.0
40.9% bachelor's degree or higher
Median Income $80,476
7% higher than US avg
Home Value $308,700
10% higher than US avg
Violent Crime 359/100K
5% lower than US avg
Bachelor's+ 40.9%
21% higher than US avg
Median Rent $1,017
13% lower than US avg
Obesity Rate 37.5%
17% higher than US avg
Unemployment 3.0%
17% lower than US avg
Poverty Rate 9.5%
23% lower than US avg

How Lake Ozark Compares to the U.S. Average (100% = U.S. avg)

People

Population2,451
Median Age48.1 yrs
Density341/mi²
Male / Female52% / 48%
Largest GroupWhite 91%
Veterans8.4%

Economy

A
Median Income$80,476
Per Capita$46,011
Unemployment3.0%
Poverty9.5%
Commute23 min

Housing

A+
Home Value$308,700
Rent$1,017
OwnershipN/A
Zillow$321,511
Housing Units1,982
Rent Burden31.0%

Crime

F
Violent359/100K
Property3,653/100K
Murder0.0/100K
Assault359/100K
Burglary240/100K

Health

Obesity37.5%
Uninsured9.6%
Smoking18.9%
Depression28.0%
Heart Disease6.2%

Climate

Avg Temp56°F (13°C)
AQI41 (Good)
Rain40.5 in/yr
Sunny Days263/yr
Elevation768 ft (234 m)

Education

A
Bachelor's+40.9%
High School+91.1%
Graduate+13.3%
School Score5.51

Community

2024 VoteR 77% / D 22%
Commute23 min
Broadband92.8%
EV Stations1

Is Lake Ozark a Good Place to Live?

Based on current data, Lake Ozark receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, a highly educated population, abundant sunshine, high health insurance coverage. Lake Ozark offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Lake Ozark is $80,476, roughly in line with the national average of $75,149. Unemployment stands at 3.0%, indicating a healthy job market. 9.5% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 23 minutes.

Cost of Living & Housing

The median home value in Lake Ozark is $308,700, roughly aligned with the national median of $281,900. Renters pay a median of $1,017 per month, below the national average — a plus for affordability. A price-to-income ratio of 3.8x indicates a reasonably affordable housing market.

Safety & Crime

Violent crime in Lake Ozark is below the national average at 359 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 3,653 per 100,000, 86% above the national average.

Education

Educational attainment is solid, with 40.9% holding a bachelor's degree or higher, near the national average. 91.1% have completed high school. Area schools have an average test score of 5.5/10.

Climate & Weather

Lake Ozark enjoys a moderate climate with an average annual temperature of 56°F. Winters average 30°F in January while summers reach 78°F in July. With 263 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.5 inches. Air quality is rated Good with a median AQI of 41.

Lake Ozark has a population of 2,451 with a density of 341 people per square mile, spread across 7.2 square miles. The median age is 48.1 years, 24% older than the national median of 38.9. The gender split is 48.4% female and 51.6% male. The city is predominantly White (91%), with 1.3% Hispanic, 6.1% Black. English is the primary language spoken at home by 99.8% of residents. 8.4% of the population are veterans, above the national rate of 6.0%. 16.1% of residents have a disability (above the 13.0% national average). 93.8% have health insurance coverage.

Population

2,451
Total Population
341
People / sq mi
48.1yrs
Median Age
24% above US avg
7.2mi²
Land Area

Gender Distribution

Male 51.6%
Female 48.4%

Race & Ethnicity

Lake Ozark vs U.S. Average

Language Spoken at Home

English Only99.8%
27% above US avg
Spanish0.2%
99% below US avg

Social Characteristics

Lake Ozark vs U.S. Average

The median household income in Lake Ozark is $80,476, which is 7% above the national average of $75,149. Per capita income is $46,011 (above the $39,052 national figure). The unemployment rate is 3.0% (below the 3.6% US average). 9.5% of residents live below the poverty line, lower than the national rate of 12.4%. The cost of living index is 90.8, below the national baseline of 100 — offering relatively affordable living. Workers commute an average of 23 minutes (shorter than the 28-minute US average). 7.2% of workers work from home (below the 15.2% national rate).

Income: Lake Ozark vs U.S.

Commute Mode

Income

Median HH Income$80,476
7% above US avg
Per Capita Income$46,011

Employment & Poverty

Unemployment3.0%
17% below US avg
Poverty Rate9.5%
23% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time22.5 min
Drive Alone79.2%
Public Transit0.0%
Work from Home7.2%

Walkability

The median home value in Lake Ozark is $308,700, 10% above the national median of $281,900. Zillow estimates the typical home value at $321,511. Monthly rent averages $1,017 (13% below the national average of $1,163). Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. There are 1,982 total housing units in the city. The median year a home was built is 1990. 31.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.8x.

Home Value Sources

Ownership Split

Home Values

Census Median$308,700
10% above US avg
Zillow ZHVI$321,511

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$1,017
13% below US avg
Rent Burden31.0%

HUD Fair Market Rent

Studio$732
1 Bedroom$775
2 Bedrooms$970
3 Bedrooms$1,265
4 Bedrooms$1,457

Ownership & Property

Owner-Occupied68.8%
Housing Units1,982
Median Year Built1990

Property Tax

In Lake Ozark, 37.5% of adults are obese, above the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 6.2% of residents. 33.0% have high blood pressure. 18.9% are current smokers (above the 14.0% national rate). 17.9% report binge drinking. 29.5% are physically inactive, above the national average. 28.0% report depression (above the 20.0% national average). 20.2% experience frequent mental distress. 9.6% of residents lack health insurance.

Health Metrics: Lake Ozark vs U.S. Average (%)

Chronic Conditions

Obesity37.5%
17% above US avg
Diabetes10.6%
Heart Disease6.2%
High Blood Pressure33.0%
Asthma11.3%
COPD8.3%
Cancer7.5%
Stroke3.3%

Behaviors & Mental Health

Smoking18.9%
35% above US avg
Binge Drinking17.9%
Physical Inactivity29.5%
Depression28.0%
Mental Distress20.2%
Physical Distress14.9%
Short Sleep36.9%

Healthcare Access

Insurance Rate93.8%
Uninsured9.6%
12% above US avg
Checkup Rate76.2%
Dental Visits58.3%

Food & Exercise

Lake Ozark has a violent crime rate of 359 per 100,000 residents, 5% below the national average of 380. This breaks down to aggravated assault at 359.3 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 3,653 per 100,000, 86% above the U.S. average. This includes larceny/theft at 3,174, burglary at 240, vehicle theft at 240 per 100,000 residents. Overall, Lake Ozark receives a safety grade of F.

Crime Rates: Lake Ozark vs U.S. Average (per 100,000)

Violent Crime

Total Violent359.3/100K
5% below US avg
Murder0.0/100K
100% below US avg
Rape0.0/100K
Robbery0.0/100K
Assault359.3/100K

Property Crime

Total Property3,652.7/100K
86% above US avg
Burglary239.5/100K
Theft3,173.7/100K
Vehicle Theft239.5/100K
Arson0.0/100K

Traffic Safety

Safety Score

Safety GradeF
Safety Score1.0 / 5.0
Lake Ozark enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winters average 30°F in January while summers reach 78°F in July. The area gets 263 sunny days per year, well above the U.S. average of 205 — making it one of the sunnier locations in the country. Annual precipitation totals 40.5 inches. The area receives 4.1 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 768 feet.

Temperature

30°F Jan (-1°C) 78°F Jul (26°C)
Annual Average55.5°F
3% above US avg
January Average30°F (-1°C)
July Average78°F (26°C)
Sunny Days263 days/yr

Precipitation & Snow

Annual Rainfall40.5 inches
7% above US avg
Snowfall4.1 inches/yr

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation768 ft (234 m)
Area7.2 sq mi (18.6 km²)
Population Density341/sq mi
Coordinates38.1986°N, 92.6388°W
TimezoneAmerica/Chicago

Monthly Weather

Month Avg Temperature Precipitation Summary
January 30°F (-1°C) 1.5 in Coldest, Driest
February 36°F (2°C) 1.9 in
March 46°F (8°C) 3.5 in
April 56°F (13°C) 3.8 in
May 64°F (18°C) 4.9 in Wettest
June 73°F (23°C) 4.2 in
July 78°F (26°C) 3.4 in Warmest
August 77°F (25°C) 3.5 in
September 69°F (20°C) 4.3 in
October 58°F (14°C) 3.7 in
November 46°F (8°C) 3.3 in
December 35°F (2°C) 2.6 in

Lake Ozark has a seasonal temperature swing of 48°F — from 30°F in January to 78°F in July. Total annual precipitation is 40.5 inches, with May being the wettest month (4.9") and January the driest (1.5").

40.9% of adults hold a bachelor's degree or higher, 21% above the national average of 33.7%. 91.1% have completed high school. 13.3% hold a graduate or professional degree. Area schools have an average test score of 5.5 out of 10. In the 2024 presidential election, the county voted Republican with 76.6% of the vote, a 54.2-point margin. 92.8% of households have broadband internet access. The area has 1 EV charging stations. 79.2% of workers drive alone to work.

2024 Presidential Election (County)

R 76.6%
D 22.4%

Winner: Republican by 54.2 points

Education

Bachelor's Degree+40.9%
21% above US avg
High School+91.1%
Graduate Degree+13.3%
School Test Score5.51
A Education Grade (4.3/5.0)

Urban-Rural Classification

Population Density341/sq mi
Total Area7.2 sq mi

Infrastructure & Services

Broadband Access92.8%
EV Charging Stations1
Alt Fuel Stations3

Safety & Disasters

F Safety Grade (1.0/5.0)

Commute & Transportation

Avg Commute22.5 min
Drive Alone79.2%
Public Transit0.0%
Work from Home7.2%

Frequently Asked Questions About Lake Ozark

What is the population of Lake Ozark?

Lake Ozark has a population of 2,451 residents and is located in Missouri. The population density is 341 people per square mile, spread across 7.2 square miles. The median age of residents is 48.1 years, which is older than the national median of 38.9 years. The population is 48.4% female and 51.6% male.

Is Lake Ozark expensive to live in?

Lake Ozark is more affordable than the national average, with a cost of living index of 90.8 — below the baseline of 100. The median household income is $80,476, 7% above the national average of $75,149. The median home value is $308,700 (10% above the U.S. median). Renters pay a median of $1,017 per month, below the national average of $1,163. The home price-to-income ratio is 3.8x, indicating housing is reasonably affordable relative to local income levels.

Is Lake Ozark safe?

Lake Ozark is safer than the national average, with a violent crime rate of 359 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 3,653 per 100,000 (above the national average). Overall, Lake Ozark receives a safety grade of F based on combined crime data.

What is the weather like in Lake Ozark?

Lake Ozark enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winter temperatures average 30°F in January, while summers reach an average of 78°F in July. The area receives 263 sunny days per year, well above the national average of 205. Annual rainfall totals 40.5 inches, with 4.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.

How is the job market in Lake Ozark?

Lake Ozark has a healthy job market with an unemployment rate of 3.0%, near the national average of 3.6%. The average commute time is 23 minutes, and 7.2% of workers work from home.

How much does housing cost in Lake Ozark?

The median home value in Lake Ozark is $308,700. Zillow estimates the typical home value at $321,511. For renters, the median monthly rent is $1,017. Fair market rent is $775 for a 1-bedroom and $970 for a 2-bedroom apartment.

How are the schools in Lake Ozark?

Schools in Lake Ozark score 5.5 out of 10 on standardized testing, near the national average. 40.9% of adults in Lake Ozark hold a bachelor's degree or higher, above the national average of 33.7%. 91.1% have completed high school. 13.3% hold a graduate or professional degree.

How healthy is Lake Ozark?

The obesity rate in Lake Ozark is 37.5% (above the national rate of 32.1%). 18.9% of adults are smokers. 29.5% are physically inactive. 28.0% of residents report depression. 9.6% lack health insurance.

What is transportation like in Lake Ozark?

The average commute in Lake Ozark is 23 minutes, shorter than the national average of 28 minutes. 79.2% of workers drive alone to work, and 7.2% work from home.

What are the demographics of Lake Ozark?

The racial and ethnic makeup of Lake Ozark is 91% White, 6.1% Black or African American, 1.3% Hispanic or Latino. 99.8% of residents speak only English at home. 8.4% of the population are military veterans. 16.1% of residents have a disability. 93.8% have health insurance coverage.

Nearby Cities

Village of Four Seasons, MO 2,077 pop · 3.9 mi Osage Beach, MO 4,715 pop · 4.8 mi Eldon, MO 4,486 pop · 10.8 mi Camdenton, MO 4,017 pop · 14.2 mi Versailles, MO 2,580 pop · 19.5 mi Richland, MO 2,256 pop · 26.8 mi California, MO 4,523 pop · 29.9 mi St. Martins, MO 1,195 pop · 31.8 mi Wardsville, MO 1,505 pop · 32.2 mi Tipton, MO 2,680 pop · 32.6 mi Dixon, MO 1,267 pop · 32.9 mi Waynesville, MO 5,422 pop · 35.0 mi Cole Camp, MO 1,327 pop · 35.5 mi Lebanon, MO 15,157 pop · 35.8 mi
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