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Terre du Lac, MO

Missouri

Terre du Lac is a small town in Missouri with a population of 2,460. Residents earn $93,115 per year, which is 24% above the national average.

3.4 /5.0
B Good
2,460 Population 352/sq mi density
$93,115 Median Income $37,110 per capita
$186,400 Home Value
$876 Median Rent 27.3% income on rent
55°F Avg Temperature 261 sunny days/yr
43 Violent Crime/100K 256 property/100K
B
Overall
3.4 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.4 / 5.0
$93,115 median income, 3.7% unemployment
A+
Affordability
5.0 / 5.0
$186,400 home value, $876/mo rent
F
Safety
1.0 / 5.0
43 violent crimes/100K (89% below avg)
B
Education
3.3 / 5.0
29.1% bachelor's degree or higher
Median Income $93,115
24% higher than US avg
Home Value $186,400
34% lower than US avg
Violent Crime 43/100K
89% lower than US avg
Bachelor's+ 29.1%
14% lower than US avg
Median Rent $876
25% lower than US avg
Obesity Rate 36.1%
12% higher than US avg
Unemployment 3.7%
3% 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
Unemployment3.7%
Poverty9.8%
Commute32 min

Housing

A+
Home Value$186,400
Rent$876
OwnershipN/A
Housing Units1,299
Rent Burden27.3%

Crime

F
Violent43/100K
Property256/100K
Murder0.0/100K
Assault43/100K
Burglary85/100K

Health

Obesity36.1%
Uninsured7.6%
Smoking15.5%
Depression25.9%
Heart Disease5.4%

Climate

Avg Temp55°F (13°C)
AQI41 (Good)
Rain41.4 in/yr
Sunny Days261/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%

Is Terre du Lac a Good Place to Live?

Based on current data, Terre du Lac receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low crime rates, affordable housing, abundant sunshine. Terre du Lac offers a solid quality of life with a good balance of affordability, safety, and opportunity.

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. Unemployment stands at 3.7%, indicating a healthy job market. 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. Renters pay a median of $876 per month, below the national average — a plus for affordability. At just 2x median income, home prices are very affordable relative to local earnings.

Safety & Crime

Terre du Lac is a very safe community with a violent crime rate of 43 per 100,000 residents — well below the national average of 380. Property crime occurs at a rate of 256 per 100,000, 87% below the national average.

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 30°F in January while summers reach 77°F in July. With 261 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.4 inches, including 7.9 inches of snow. Air quality is rated Good with a median AQI of 41.

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%), with 1.5% Hispanic. English is the primary language spoken at home by 98.7% of residents. 10.9% of the population are veterans, above the national rate of 6.0%. 26.5% of residents have a disability (above the 13.0% national average). 93.2% have health insurance coverage.

Population

2,460
Total Population
352
People / sq mi
44.8yrs
Median Age
15% above US avg
7.0mi²
Land Area

Gender Distribution

Male 46.4%
Female 53.6%

Race & Ethnicity

Terre du Lac vs U.S. Average

Language Spoken at Home

English Only98.7%
26% above US avg
Spanish1.3%
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 3.7% (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.

Commute Mode

Income

Median HH Income$93,115
24% above US avg
Per Capita Income$37,110

Employment & Poverty

Unemployment3.7%
3% above US avg
Poverty Rate9.8%
21% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time31.8 min
Drive Alone74.2%
Public Transit0.0%
Work from Home18.9%

Walkability

The median home value in Terre du Lac is $186,400, 34% below the national median of $281,900. Homes sell for 97.6% of their list price. Monthly rent averages $876 (25% 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 1,299 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 Value Sources

Ownership Split

Home Values

Census Median$186,400
34% below US avg
Median List Price$222,900

Real Estate Market (Redfin)

Median List Price$222,900
$/Sq Ft$175
Homes Sold6
Sale-to-List Ratio97.6%
Price Drops20.0%
Inventory20

Rental Costs

Census Median Rent$876
25% below US avg
Rent Burden27.3%

HUD Fair Market Rent

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

Ownership & Property

Owner-Occupied92.7%
Housing Units1,299
Median Year Built1981

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. 7.6% of residents lack health insurance.

Health Metrics: Terre du Lac vs U.S. Average (%)

Chronic Conditions

Obesity36.1%
12% above US avg
Diabetes9.0%
Heart Disease5.4%
High Blood Pressure31.6%
Asthma10.4%
COPD6.4%
Cancer7.6%
Stroke2.7%

Behaviors & Mental Health

Smoking15.5%
11% above US avg
Binge Drinking19.6%
Physical Inactivity26.0%
Depression25.9%
Mental Distress18.4%
Physical Distress12.9%
Short Sleep40.1%

Healthcare Access

Insurance Rate93.2%
Uninsured7.6%
12% below US avg
Checkup Rate76.1%
Dental Visits61.5%

Food & Exercise

Terre du Lac has a violent crime rate of 43 per 100,000 residents, 89% below the national average of 380. This breaks down to aggravated assault at 42.6 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 256 per 100,000, 87% below the U.S. average. This includes larceny/theft at 170, burglary at 85, vehicle theft at 0 per 100,000 residents. Overall, Terre du Lac receives a safety grade of F.

Crime Rates: Terre du Lac vs U.S. Average (per 100,000)

Violent Crime

Total Violent42.6/100K
89% below US avg
Murder0.0/100K
100% below US avg
Rape0.0/100K
Robbery0.0/100K
Assault42.6/100K

Property Crime

Total Property255.7/100K
87% below US avg
Burglary85.2/100K
Theft170.4/100K
Vehicle Theft0.0/100K
Arson0.0/100K

Traffic Safety

Safety Score

Safety GradeF
Safety Score1.0 / 5.0
Terre du Lac experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 30°F in January while summers reach 77°F in July. The area gets 261 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 41.4 inches. The area receives 7.9 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 958 feet.

Temperature

30°F Jan (-1°C) 77°F Jul (25°C)
Annual Average54.9°F
2% above US avg
January Average30°F (-1°C)
July Average77°F (25°C)
Sunny Days261 days/yr

Precipitation & Snow

Annual Rainfall41.4 inches
9% above US avg
Snowfall7.9 inches/yr

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation958 ft (292 m)
Area7.0 sq mi (18.1 km²)
Population Density352/sq mi
Coordinates37.9117°N, 90.6254°W
TimezoneAmerica/Chicago

Monthly Weather

Month Avg Temperature Precipitation Summary
January 30°F (-1°C) 2.2 in Coldest, Driest
February 35°F (2°C) 2.3 in
March 45°F (7°C) 3.9 in
April 55°F (13°C) 4.0 in
May 64°F (18°C) 4.4 in Wettest
June 72°F (22°C) 3.5 in
July 77°F (25°C) 3.5 in Warmest
August 76°F (24°C) 3.7 in
September 68°F (20°C) 3.4 in
October 57°F (14°C) 2.9 in
November 45°F (7°C) 4.1 in
December 35°F (2°C) 3.4 in

Terre du Lac has a seasonal temperature swing of 47°F — from 30°F in January to 77°F in July. Total annual precipitation is 41.4 inches, with May being the wettest month (4.4") and January the driest (2.2").

29.1% of adults hold a bachelor's degree or higher, 14% below the national average of 33.7%. 95.3% have completed high school. 7.8% hold a graduate or professional degree (below the 13.1% national rate). 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. 93.3% of households have broadband internet access. 74.2% 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+29.1%
14% below US avg
High School+95.3%
Graduate Degree+7.8%
School Test Score5.51
B Education Grade (3.3/5.0)

Urban-Rural Classification

Population Density352/sq mi
Total Area7.0 sq mi

Infrastructure & Services

Broadband Access93.3%

Safety & Disasters

F Safety Grade (1.0/5.0)

Commute & Transportation

Avg Commute31.8 min
Drive Alone74.2%
Public Transit0.0%
Work from Home18.9%

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). Renters pay a median of $876 per month, below the national average of $1,163. The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.

Is Terre du Lac safe?

Terre du Lac is considered a very safe city with a violent crime rate of 43 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 256 per 100,000 (below the national average). Overall, Terre du Lac receives a safety grade of F based on combined crime data.

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 30°F in January, while summers reach an average of 77°F in July. The area receives 261 sunny days per year, well above the national average of 205. Annual rainfall totals 41.4 inches, with 7.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.

How is the job market in Terre du Lac?

Terre du Lac has a healthy job market with an unemployment rate of 3.7%, near the national average of 3.6%. 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. For renters, the median monthly rent is $876. Fair market rent is $775 for a 1-bedroom and $970 for a 2-bedroom apartment.

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. 7.6% 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. 74.2% 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, 1.5% Hispanic or Latino. 98.7% of residents speak only English at home. 10.9% of the population are military veterans. 26.5% of residents have a disability. 93.2% have health insurance coverage.

Nearby Cities

Leadwood, MO 1,524 pop · 3.5 mi Bonne Terre, MO 6,773 pop · 3.9 mi Desloge, MO 4,870 pop · 6.0 mi Park Hills, MO 8,667 pop · 7.1 mi Potosi, MO 2,542 pop · 9.0 mi Bismarck, MO 1,560 pop · 9.8 mi Summer Set, MO 1,222 pop · 12.6 mi Farmington, MO 17,999 pop · 14.3 mi De Soto, MO 6,452 pop · 16.2 mi Ironton, MO 1,755 pop · 21.7 mi Hillsboro, MO 3,483 pop · 22.4 mi Bloomsdale, MO 1,123 pop · 23.2 mi Raintree Plantation, MO 2,006 pop · 23.7 mi Ste. Genevieve, MO 4,996 pop · 24.0 mi
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