Median Income
$93,115
24% higher than US avg
Home Value
$186,400
34% lower than US avg
Bachelor's+
29.1%
14% lower than US avg
Obesity Rate
36.1%
12% higher than US avg
Unemployment
6.2%
72% higher than US avg
Poverty Rate
9.8%
21% lower than US avg
How Terre du Lac Compares to the U.S. Average (100% = U.S. avg)
People
Population2,460
Median Age44.8 yrs
Density352/mi²
Male / Female46% / 54%
Largest GroupWhite 97%
Veterans10.9%
Economy
A
Median Income$93,115
Per Capita$37,110
Unemployment6.2%
Poverty9.8%
Commute32 min
Housing
A+
Home Value$186,400
Ownership92.7%
Zillow$74,617
Housing Units1,299
Rent Burden27.3%
Health
Obesity36.1%
Uninsured8.0%
Smoking15.5%
Depression25.9%
Heart Disease5.4%
Climate
Avg Temp55°F (13°C)
Rain45.5 in/yr
Elevation958 ft (292 m)
Education
B
Bachelor's+29.1%
High School+95.3%
Graduate+7.8%
School Score5.51
Community
2024 VoteR 77% / D 22%
Commute32 min
Broadband93.3%
EV Stations1
Is Terre du Lac a Good Place to Live?
Based on current data, Terre du Lac receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, affordable housing, strong internet connectivity. Areas to be aware of include above-average unemployment. Terre du Lac stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Terre du Lac is $93,115, 24% above the national average of $75,149. Residents generally enjoy above-average earning potential. The unemployment rate of 6.2% is somewhat elevated compared to the national rate of 3.6%. 9.8% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Terre du Lac is $186,400, 34% below the national median / offering relatively affordable homeownership. At just 2x median income, home prices are very affordable relative to local earnings.
Education
29.1% of residents hold a bachelor's degree, below the national average of 33.7%. 95.3% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Terre du Lac experiences four distinct seasons with an average temperature of 55°F. Winters average 31°F in January while summers reach 76°F in July. Annual precipitation totals 45.5 inches, including 11.5 inches of snow.
Terre du Lac has a population of 2,460 with a density of 352 people per square mile, spread across 7.0 square miles. The median age is 44.8 years, 15% older than the national median of 38.9. The gender split is 53.6% female and 46.4% male. The city is predominantly White (96.9%). English is the primary language spoken at home by 98.8% of residents. 10.9% of the population are veterans, above the national rate of 6.0%. 21.4% of residents have a disability (above the 13.0% national average). 92.0% have health insurance coverage.
Population
2,460
Total Population
2023 Census
44.8yrs
Median Age
15% above US avg
Race & Ethnicity
Terre du Lac vs U.S. Average
Language Spoken at Home
English Only
98.8%
26% above US avg
Spanish
1.3%
90% below US avg
Social Characteristics
Terre du Lac vs U.S. Average
The median household income in Terre du Lac is $93,115, which is 24% above the national average of $75,149. Per capita income is $37,110. The unemployment rate is 6.2% (above the 3.6% US average). 9.8% 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 32 minutes. 18.9% of workers work from home (above the 15.2% national rate).
Income: Terre du Lac vs U.S.
Income
| Median HH Income | $93,115 |
| 24% above US avg |
| Per Capita Income | $37,110 |
Employment & Poverty
| Unemployment | 6.2% |
| 72% above US avg |
| Poverty Rate | 9.8% |
| 21% below US avg |
Tax & Cost of Living
| |
| Cost of Living | 90.80 (100=avg) |
Commute & Transportation
| Commute Time | 31.8 min |
| Drive Alone | 74.1% |
| Public Transit | 0.0% |
| Work from Home | 18.9% |
The median home value in Terre du Lac is $186,400, 34% below the national median of $281,900. Zillow estimates the typical home value at $74,617, lower than the Census estimate. According to Redfin, the median sale price is $242,500 with homes selling in an average of 69 days. Homes sell for 97.6% of their list price. Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 92.7% of housing units are owner-occupied (above the 65.4% national rate). There are 1,299 total housing units in the city. The median year a home was built is 1981. 27.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $186,400 |
| 34% below US avg |
| Zillow ZHVI | $74,617 |
| Redfin Median Sale | $242,500 |
| Median List Price | $222,900 |
Real Estate Market (Redfin)
| Median Sale Price | $242,500 |
| Median List Price | $222,900 |
| $/Sq Ft | $175 |
| Homes Sold | 6 |
| Days on Market | 69 days |
| Sale-to-List Ratio | 97.6% |
| Price Drops | 20.0% |
| Inventory | 20 |
Rental Costs
HUD Fair Market Rent
| Studio | $732 |
| 1 Bedroom | $775 |
| 2 Bedrooms | $970 |
| 3 Bedrooms | $1,265 |
| 4 Bedrooms | $1,457 |
Ownership & Property
| Homeownership | 92.7% |
| Owner-Occupied | 92.7% |
| Renter-Occupied | 7.3% |
| Housing Units | 1,299 |
| Median Year Built | 1981 |
Property Tax
In Terre du Lac, 36.1% of adults are obese, above the national rate of 32.1%. 9.0% have diabetes. Heart disease affects 5.4% of residents. 31.6% have high blood pressure. 15.5% are current smokers. 19.6% report binge drinking. 26.0% are physically inactive. 25.9% report depression (above the 20.0% national average). 18.4% experience frequent mental distress. 8.0% of residents lack health insurance.
Health Metrics: Terre du Lac vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.1% |
| 12% above US avg |
| Diabetes | 9.0% |
| Heart Disease | 5.4% |
| High Blood Pressure | 31.6% |
| Asthma | 10.4% |
| COPD | 6.4% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.5% |
| 11% above US avg |
| Binge Drinking | 19.6% |
| Physical Inactivity | 26.0% |
| Depression | 25.9% |
| Mental Distress | 18.4% |
| Physical Distress | 12.9% |
| Short Sleep | 40.1% |
Healthcare Access
| Insurance Rate | 92.0% |
| Uninsured | 8.0% |
| 7% below US avg |
| Checkup Rate | 76.1% |
| Dental Visits | 61.5% |
Food & Exercise
Terre du Lac experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 31°F in January while summers reach 76°F in July. Annual precipitation totals 45.5 inches. The area receives 11.5 inches of snow annually. The city sits at an elevation of 958 feet.
Temperature
31°F Jan (-1°C)
76°F Jul (25°C)
| Annual Average | 54.8°F |
| 1% above US avg |
| January Average | 31°F (-1°C) |
| July Average | 76°F (25°C) |
Geography
| Elevation | 958 ft (292 m) |
| Area | 7.0 sq mi (18.1 km²) |
| Population Density | 352/sq mi |
| Coordinates | 37.9117°N, 90.6254°W |
| Timezone | America/Chicago |
| Nearest Airport | Farmington Regional (FAM) 15 miles away |
Precipitation & Snow
Annual Rainfall
45.5"
20% above US avg
Wettest Month (May)
5.29"
Earthquake History
61 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.8. Most recent: M2.9 on Jun 27, 2025.
| Sep 26, 1990 |
4 km SE of Chaffee, Missouri |
M4.8 |
123 km |
| Feb 5, 1994 |
2 km WNW of Dongola, Illinois |
M4.2 |
140 km |
| Jun 7, 2011 |
18 km NNW of Potosi, Missouri |
M3.9 |
30 km |
| Sep 22, 2011 |
6 km E of Grandin, Missouri |
M3.6 |
122 km |
| Aug 27, 1993 |
5 km SSE of Olympian Village, Missouri |
M3.3 |
26 km |
| Apr 6, 1994 |
2 km NE of Tamaroa, Illinois |
M3.2 |
127 km |
| Dec 27, 1992 |
2 km E of Pocahontas, Missouri |
M3.2 |
100 km |
| Mar 12, 2002 |
6 km S of Marble Hill, Missouri |
M3.1 |
94 km |
| Jun 27, 2005 |
6 km E of Grand Tower, Illinois |
M3.0 |
110 km |
| Feb 28, 1994 |
5 km NW of Harrison, Illinois |
M3.0 |
110 km |
| Jun 27, 2025 |
12 km WSW of Grandin, Missouri |
M2.9 |
130 km |
| Jul 8, 2003 |
1 km N of Leasburg, Missouri |
M2.9 |
63 km |
| May 18, 2006 |
9 km SSE of De Soto, Missouri |
M2.9 |
18 km |
| May 21, 2012 |
6 km SW of Williamsville, Missouri |
M2.9 |
109 km |
| Sep 5, 1995 |
3 km N of Woodlawn, Illinois |
M2.9 |
147 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
70 km |
| Mar 28, 2024 |
1 km NNE of Germantown, Illinois |
M2.8 |
120 km |
| Jul 31, 1995 |
8 km SSW of Caledonia, Missouri |
M2.8 |
30 km |
| Aug 26, 1992 |
5 km W of Frohna, Missouri |
M2.8 |
88 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
67 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
509 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 72 fatalities, 1,174 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 28, 2017 |
EF4 |
58 km |
1 |
| Apr 22, 2011 |
EF4 |
93 km |
0 |
| Sep 22, 2006 |
EF4 |
75 km |
0 |
| Apr 3, 1981 |
EF4 |
100 km |
0 |
| Jun 22, 1969 |
EF4 |
21 km |
4 |
| Jun 22, 1969 |
EF4 |
42 km |
2 |
| Dec 21, 1967 |
EF4 |
51 km |
3 |
| Jan 24, 1967 |
EF4 |
86 km |
3 |
| Feb 10, 1959 |
EF4 |
69 km |
21 |
| Feb 24, 1956 |
EF4 |
65 km |
6 |
| Dec 10, 2021 |
EF3 |
80 km |
1 |
| Oct 24, 2021 |
EF3 |
30 km |
0 |
| Oct 24, 2021 |
EF3 |
46 km |
0 |
| May 31, 2013 |
EF3 |
87 km |
0 |
| Dec 31, 2010 |
EF3 |
66 km |
1 |
| Mar 11, 2006 |
EF3 |
35 km |
0 |
| Mar 11, 2006 |
EF3 |
56 km |
2 |
| Apr 27, 2002 |
EF3 |
91 km |
1 |
| Jun 1, 1999 |
EF3 |
93 km |
0 |
| Apr 19, 1996 |
EF3 |
69 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: MINNINGHAW (4,792 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
MINNINGHAW |
4,792 |
81 km |
| 2017 |
UNNAMED |
4,602 |
81 km |
| 2022 |
SMITH MILL HOLLOW |
3,978 |
34 km |
| 2005 |
UNNAMED |
3,252 |
83 km |
| 2021 |
COUNCIL BLUFF |
3,035 |
35 km |
| 2022 |
LITTLE CREEK |
3,004 |
82 km |
| 2021 |
HODGE HOLLOW |
2,922 |
82 km |
| 2024 |
COUNCIL BLUFF WEST RX |
2,846 |
35 km |
| 2005 |
UNNAMED |
2,751 |
33 km |
| 2005 |
MCKENZIE HILL |
2,722 |
79 km |
| 2019 |
UNNAMED |
2,688 |
38 km |
| 2010 |
COUNCIL BLUFF LAKE |
2,651 |
35 km |
| 2022 |
MINNINGHAW |
2,516 |
80 km |
| 2006 |
UNNAMED |
2,512 |
35 km |
| 2021 |
THOMPSON HOLLOW |
2,479 |
82 km |
| 2019 |
UNNAMED |
2,399 |
75 km |
| 2024 |
UNNAMED |
2,335 |
82 km |
| 2013 |
THORNY CREEK |
2,143 |
99 km |
| 2021 |
BEAR PAW |
2,080 |
37 km |
| 2024 |
BEAR PAW RX |
2,067 |
37 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-1°C) |
2.8 in |
Coldest |
| February |
35°F (2°C) |
2.7 in |
Driest |
| March |
44°F (7°C) |
4.1 in |
|
| April |
55°F (13°C) |
5.1 in |
|
| May |
64°F (18°C) |
5.3 in |
Wettest |
| June |
72°F (22°C) |
4.2 in |
|
| July |
76°F (25°C) |
3.6 in |
Warmest |
| August |
75°F (24°C) |
4.0 in |
|
| September |
67°F (20°C) |
3.9 in |
|
| October |
57°F (14°C) |
3.1 in |
|
| November |
45°F (7°C) |
3.7 in |
|
| December |
35°F (2°C) |
3.0 in |
|
Terre du Lac has a seasonal temperature swing of 46°F / from 31°F in January to 76°F in July. Total annual precipitation is 45.5 inches, with May being the wettest month (5.3") and February the driest (2.7").
Average costs for common services in Terre du Lac. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$227 ($136-$363) |
| Specialist Visit |
$318 ($182-$499) |
| Urgent Care Visit |
$182 ($91-$318) |
| Emergency Room Visit |
$1,998 ($726-$4,540) |
| Dental Cleaning |
$118 ($68-$182) |
| Dental Filling |
$227 ($136-$363) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23-$68) |
| Oil Change (Synthetic) |
$68 ($45-$109) |
| Brake Pad Replacement |
$272 ($136-$454) |
| Tire Rotation |
$36 ($18-$68) |
| New Tires (Set of 4) |
$545 ($363-$908) |
| Battery Replacement |
$182 ($91-$318) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$91 ($54-$136) |
| Electrician (Per Hour) |
$82 ($45-$127) |
| HVAC Repair |
$363 ($136-$726) |
| HVAC System Install |
$6,356 ($3,632-$10,896) |
| Roof Repair |
$908 ($363-$1,816) |
| Roof Replacement |
$8,172 ($4,994-$13,620) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,362 ($454-$3,178) |
| Divorce (Contested) |
$13,620 ($4,540-$27,240) |
| DUI Defense |
$4,540 ($1,816-$9,080) |
| Bankruptcy (Chapter 7) |
$1,362 ($726-$2,724) |
| Will Preparation |
$454 ($182-$908) |
| Trust Preparation |
$2,270 ($908-$4,540) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$41) |
| Women's Haircut |
$50 ($27-$91) |
| Hair Coloring (Full) |
$136 ($68-$227) |
| Manicure |
$23 ($14-$41) |
| Pedicure |
$36 ($23-$59) |
| Massage (1 Hour) |
$73 ($45-$118) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.72 ($2.72-$4.99) |
| Dozen Eggs (per dozen) |
$3.18 ($2.27-$4.54) |
| Loaf of Bread |
$3.45 ($2.27-$4.99) |
| Chicken Breast (per lb) |
$4.09 ($2.72-$5.90) |
| Ground Beef (per lb) |
$4.99 ($3.63-$6.81) |
| Rice (per lb) |
$0.91 ($0.54-$1.63) |
View all 20 services
Utilities
| Electricity (Monthly) |
$127 ($73-$227) |
| Natural Gas (Monthly) |
$64 ($27-$136) |
| Water/Sewer (Monthly) |
$64 ($36-$109) |
| Internet (Monthly) |
$64 ($36-$91) |
| Cell Phone Plan (Monthly) |
$59 ($27-$91) |
| Cable TV (Monthly) |
$77 ($45-$136) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$182 ($68-$454) |
| Car Insurance (Annual) |
$1,816 ($1,090-$3,178) |
| Bus Pass (Monthly) |
$64 ($27-$118) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.26-$23) |
| Car Registration (Annual) |
$91 ($27-$227) |
| Driver's License Renewal |
$27 ($14-$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,090 ($545-$2,270) |
| Daycare (Toddler, Monthly) |
$908 ($454-$1,816) |
| After-School Care (Monthly) |
$363 ($182-$636) |
| Tutoring (Per Hour) |
$45 ($23-$91) |
| SAT/ACT Prep Course |
$908 ($363-$2,270) |
| Private School (K-12, Annual) |
$11,350 ($4,540-$27,240) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27-$91) |
| Dog Vaccination (Annual) |
$91 ($45-$182) |
| Dog Grooming |
$54 ($27-$91) |
| Pet Boarding (Per Night) |
$36 ($18-$68) |
| Dog Spay/Neuter |
$272 ($136-$454) |
| Cat Spay/Neuter |
$182 ($91-$363) |
View all 9 services
Frequently Asked Questions About Terre du Lac
What is the population of Terre du Lac?
Terre du Lac has a population of 2,460 residents and is located in Missouri. The population density is 352 people per square mile, spread across 7.0 square miles. The median age of residents is 44.8 years, which is older than the national median of 38.9 years. The population is 53.6% female and 46.4% male.
Is Terre du Lac expensive to live in?
Terre du Lac 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 $93,115, 24% above the national average of $75,149. The median home value is $186,400 (34% below the U.S. median). The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Terre du Lac?
Terre du Lac has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 31°F in January, while summers reach an average of 76°F in July. Annual rainfall totals 45.5 inches, with 11.5 inches of snow.
How is the job market in Terre du Lac?
The unemployment rate in Terre du Lac is 6.2%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average commute time is 32 minutes, and 18.9% of workers work from home.
How much does housing cost in Terre du Lac?
The median home value in Terre du Lac is $186,400. Zillow estimates the typical home value at $74,617. According to Redfin, the median sale price is $242,500, with homes typically selling within 69 days. The homeownership rate is 92.7%.
How are the schools in Terre du Lac?
Schools in Terre du Lac score 5.5 out of 10 on standardized testing, near the national average. 29.1% of adults in Terre du Lac hold a bachelor's degree or higher, below the national average of 33.7%. 95.3% have completed high school. 7.8% hold a graduate or professional degree.
How healthy is Terre du Lac?
The obesity rate in Terre du Lac is 36.1% (above the national rate of 32.1%). 15.5% of adults are smokers. 26.0% are physically inactive. 25.9% of residents report depression. 8.0% lack health insurance.
What is transportation like in Terre du Lac?
The average commute in Terre du Lac is 32 minutes, longer than the national average of 28 minutes. 74.1% of workers drive alone to work, and 18.9% work from home.
What are the demographics of Terre du Lac?
The racial and ethnic makeup of Terre du Lac is 96.9% White, 1% Asian. 98.8% of residents speak only English at home. 10.9% of the population are military veterans. 21.4% of residents have a disability. 92.0% have health insurance coverage.