HomeMissouriMiller CountyLake Ozark
Lake Ozark, Missouri: commercial real estate data.
Lake Ozark is a Census city of 2,335 people across 7.19 square miles of land, lying across Miller County and Camden County. Median household income is $74,176, 68.6 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $11.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lake Ozark
What Lake Ozark is
- Census place typecity
- Land area7.19 sq mi
- Water area0.72 sq mi
- Population per square mile of land325 plus or minus 66
- County holding the largest share of its areaMiller County, 95.0 percent
- Counties this place lies inMiller County 95.0 percent, Camden County 5.0 percent
Lake Ozark crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake Ozark
How many people live in Lake Ozark
- Population2,335 plus or minus 472
- Median age42.1
- Population under 18419 plus or minus 183
- Share under 1817.9 percent plus or minus 6.9
- Population 65 and over457 plus or minus 98
- Share 65 and over19.6 percent
- Households925
- Family households532 plus or minus 112
- Share of households that are families57.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake Ozark
Income and work in Lake Ozark
- Median household income$74,176
- Per capita income$43,664
- Civilian labor force1,228 plus or minus 285
- Employed1,175 plus or minus 282
- Unemployed53 plus or minus 44
- Unemployment rate4.3 percent plus or minus 3.4
- Adults 25 and over1,752
- Adults 25 and over with a high school diploma or higher91.8 percent plus or minus 23.3
- Adults 25 and over with a bachelor degree or higher39.3 percent plus or minus 9.7
- Adults 25 and over with a graduate degree9.4 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake Ozark
Housing in Lake Ozark
- Housing units1,864
- Occupied units925
- Vacant units939
- Vacancy rate50.4 percent
- Owner occupied635
- Renter occupied290 plus or minus 117
- Ownership rate68.6 percent
- Median owner-occupied home value$278,100 plus or minus $91,357
- Median gross rent, monthly$1,304
- Annual rent as a share of median income21.1 percent plus or minus 4.4
- Single family units993
- Share single family53.3 percent
- Units in buildings of two or more867 plus or minus 194
- Share in buildings of two or more46.5 percent
- Mobile homes4 plus or minus 7
- Median year structure built1993
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake Ozark
How Lake Ozark gets to work
- Workers 16 and over who commute1,090 plus or minus 277
- Commuting under 15 minutes543 plus or minus 194
- Share commuting under 15 minutes49.8 percent plus or minus 12.5
- Commuting 30 minutes or more229 plus or minus 118
- Share commuting 30 minutes or more21.0 percent plus or minus 9.4
- Drove alone75.0 percent plus or minus 15.1
- Carpooled11.9 percent plus or minus 8.6
- Public transport0.0 percent
- Walked0.8 percent plus or minus 1.3
- Worked from home7.0 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake Ozark
SBA loans in Lake Ozark (7(a))
- Approvals13
- Gross approval$11,809,100
- Average approval$908,392
- Median approval$350,000
- Largest approval$4,150,000
- Jobs supported112
- Jobs per approval8.6
- Loans with a final outcome4
- Paid in full3
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more30.8 percent
- Share to franchises7.7 percent
- Distinct lenders9
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Lake Ozark, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lake Ozark
SBA loans in Lake Ozark (504)
- Approvals5
- Gross approval$2,788,000
- Average approval$557,600
- Median approval$396,000
- Largest approval$1,046,000
- Jobs supported54
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Lake Ozark, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lake Ozark
Flood risk in Lake Ozark
- NFIP communityCity of Lake Ozark
- NFIP community number290698
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/18/09
The City of Lake Ozark participates in the National Flood Insurance Program as community 290698 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Miller County, not Lake Ozark
Miller County context, not Lake Ozark figures
- Establishments in Miller County714
- Covered employment, Miller County8,005
- Average annual pay, Miller County$44,073
- Housing units permitted, Miller County88
Every figure in this section is published for Miller County as a whole and is not a measurement of Lake Ozark.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Lake Ozark questions, answered from the record.
How many people live in Lake Ozark, Missouri?
2,335, in 925 households. Lake Ozark city covers 7.19 square miles of land, which is 325 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lake Ozark in?
Lake Ozark lies in more than one. By area it is 95.0 percent in Miller County, 5.0 percent in Camden County. This page sits under Miller County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Lake Ozark?
$74,176. The median owner-occupied home is valued at $278,100. Median gross rent is $1,304 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lake Ozark businesses?
13 7(a) approvals totaling $11.8 m since FY2020, across 9 lenders, median approval $350,000, plus 5 504 approvals worth $2.8 m since FY2010. These count approvals to borrowers whose address is in Lake Ozark, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lake Ozark borrowers get paid back?
No rate is published for Lake Ozark. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Lake Ozark in the National Flood Insurance Program?
Yes. Lake Ozark appears in the FEMA Community Status Book as Lake Ozark, city of, community 290698, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Lake Ozark figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Miller County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Lake Ozark.
Is zoning published for Lake Ozark?
No. Nothing on this page presents parcel level zoning.
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