Lake Ozark: Housing & Real Estate
$278,100 is the median home value in Lake Ozark (estimated market value runs 24% higher at $346,168), with median rent $1,304 (1.7× higher than Miller County median $763; 1.3× higher than Missouri median $1,033). Homeownership rate: 68.6%. That's 1.4× higher than the Miller County median ($192,600); 1.2× higher than the Missouri median ($230,300). Market is warm. Vacancy rate 45.6%. New construction makes up 12.0% of stock. A municipal building code is in effect.
- 3.7× annual income — home value vs. household income (vs Missouri 3.2×).
- 17.8 years to break even renting at the median (vs Missouri 16y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent runs 38% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $278,100 — 1.3× the Missouri median ($212,900). Median rent $1,304/month. homeownership rate 68.6% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.7× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 16.5% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 38.0% |
| Affordability · Poverty Rate | 18.6% |
| Affordability · Property Tax Pct Income | 2.4% |
| Fair Market Rent · Studio rent | $697 (vs Missouri $955) |
| Fair Market Rent · One-bedroom rent | $716 (vs Missouri $995) |
| Fair Market Rent · Two-bedroom rent | $939 (vs Missouri $1,218) |
| Fair Market Rent · Three-bedroom rent | $1,306 (vs Missouri $1,568) |
| Fair Market Rent · Four-bedroom rent | $1,375 (vs Missouri $1,812) |
| Fair Market Rent · HUD FMR area | Camden County, MO |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $346,168 |
| Median Home Value | $278,100 (vs Missouri $212,900) |
| Median Rent | $1,304 (vs Missouri $1,097) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 45.6% |
| Housing Market · New construction (% of stock) | 12.0% |
| Housing Market · Price Appreciation 2Yr | -9.9% |
| Housing Orgs · Total count | 2 |
Sources: IRS BMF NTEE L
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Missouri median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Missouri median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Missouri median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% (vs Missouri 0.9%) |
| Broadband · Broadband-capable premises | 1,849 |
| Electricity · Electricity rate (¢/kWh) | 12.91¢/kWh |
| Electricity · Customers | 2933914 |
| Electricity · Revenue Millions | $4,548 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 1.000000000 (at Missouri median) |
| Mobile Broadband · 5G mobile coverage | 1.000000000 (at Missouri median) |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 1 |
|---|---|
| Ev Charging · Public Stations | 1 |
| Ev Charging · L2 Ports | 2 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 68.6% (vs Missouri 60.9%) |
|---|---|
| Median Year Built | 1993 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12