Ozark County, Missouri: commercial real estate data.
Ozark County, Missouri had an estimated 9,090 residents on July 1, 2024, up 6.3 percent since the 2020 census base of 8,554, across 745 square miles. County output reached $194.7 m in 2024, 163 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ozark County
How many people live in Ozark County
- Population, American Community Survey 2020-20248,873
- Households3,709
- Average household size2.39
- Median household income$44,163
- Median age51.4
- Median gross rent$631 per month
- Median owner-occupied home value$168,600
- Home value to household income3.8 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher15.3 percent
- Adults 25 and over with a graduate degree5.9 percent
- Adults 25 and over6,691
- Population under 181,687
- Share under 1819.0 percent
- Population 65 and over2,603
- Share 65 and over29.3 percent
- Working age population, 18 to 644,583
- Civilian labor force3,299
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over45.9 percent
- Rank by population among Missouri counties91st of 115
- Rank by population among US county-equivalents, Puerto Rico included2574th of 3,222
Ozark County is the 91st largest of 115 Missouri counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 29.3 percent against 19.0 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ozark County
Is Ozark County's population growing?
- Population, July 1, 20249,090
- Census 2020 base population8,554
- Population change since the 2020 census base6.27 percent
- Population change, 2023 to 202494
- Births, 202489
- Deaths, 2024150
- Natural change, 2024-61
- Net domestic migration, 2024150
- Net international migration, 20246
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 2024872
- Rank by growth among US county-equivalents373rd of 3,144
The county has grown 6.27 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ozark County
Where are people moving to Ozark County from?
- Tax returns filed by households arriving322
- People arriving, from those returns670
- Tax returns filed by households leaving232
- Net household movement90
- Adjusted gross income arriving$16.7 m
- Net adjusted gross income movement$8.1 m
- Average income of an arriving household$51,898
- Average income of a leaving household$37,211
- Largest single originHowell County (37 households)
- Largest single destinationHowell County (36 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Howell County | 37 | 79 | $1.5 m |
Households arriving report $14,687 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Howell County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Ozark County
What is the Ozark County economy?
- County GDP, 2024$194.7 m
- County GDP, 2023$184.2 m
- GDP change, 2023 to 20245.7 percent
- GDP change over five years31.2 percent
- Rank by GDP among the Missouri areas BEA publishes108th of 115
- Rank by GDP among the US county areas BEA publishes2907th of 3,127
- GDP per resident$21,938
Output grew 5.7 percent in the latest year and 31.2 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Ozark County
Employment by industry in Ozark County
- Covered employment, annual average1,512
- Establishments reporting252
- Average annual pay$33,721
- Average weekly wage$648
- Retail trade, employment223
- Retail trade, average annual pay$21,063
- Accommodation and food services, employment201
- Accommodation and food services, average annual pay$24,421
- Manufacturing, employment111
- Manufacturing, average annual pay$22,315
- Finance and insurance, employment59
- Finance and insurance, average annual pay$63,890
- Arts, entertainment and recreation, employment47
- Construction, employment38
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 223 | 26 | $21,063 |
| Accommodation and food services | 201 | 14 | $24,421 |
| Manufacturing | 111 | 9 | $22,315 |
| Finance and insurance | 59 | 12 | $63,890 |
| Arts, entertainment and recreation | 47 | 4 | $25,849 |
| Construction | 38 | 19 | $37,547 |
| Professional, scientific and technical services | 38 | 15 | $54,275 |
| Other services, except public administration | 29 | 13 | $27,498 |
Retail trade is the largest private sector at 223 jobs, 14.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ozark County
How many businesses are in Ozark County?
- Establishments, all industries163
- Employment at those establishments876
- Annual payroll$27.5 m
- Establishments per 1,000 residents18.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Ozark County
Building permits in Ozark County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Ozark County
SBA loans in Ozark County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.2 m
- Average 7(a) approval$245,540
- Median 7(a) approval$250,000
- Largest single approval$478,600
- Jobs reported supported, 7(a)27
- Jobs per approval5.4
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOther Concrete Product Manufacturing (3)
- Most active lenderCommerce Bank (3)
- 504 approvals recorded1
- 504 gross approval dollars$202,000
- Average 504 approval$202,000
- Median 504 approval$202,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$1.4 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ozark County
SBA loan default and charge-off rates in Ozark County
Do SBA loans in Ozark County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Cancelled2
- Status: Exempt from disclosure2
Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ozark County
SBA lending by place in Ozark County
- Borrower cities with recorded lending3
- Wasola, approvals3
- Theodosia, approvals1
- Gainesville, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Wasola | 3 | $624,100 |
| Theodosia | 1 | $478,600 |
| Gainesville | 1 | $125,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ozark County
How large is Ozark County?
- Land area745 sq mi
- Rank by land area among Missouri counties22nd of 115
- Width, east to west36.7 mi
- Height, north to south21.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land12
- Establishments per square mile0.22
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Ozark County
Flood risk in Ozark County
- Participation of the county's own NFIP community Ozark County, unincorporated areasNot participating, community 290774
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP2
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in Ozark County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Ozark County (community 290774), does not participate in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ozark County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 50.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Ozark County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Ozark County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20248,873
- Households3,709
- Average household size2.39
- Median household income$44,163
- Median age51.4
Common questions
Ozark County questions, answered from the record.
How many people live in Ozark County, Missouri?
The Census Bureau estimates 9,090 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 8,873, in 3,709 households, ranking 91st of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ozark County's population growing?
The population has grown 6.27 percent since the 2020 census base of 8,554, to 9,090 on July 1, 2024. In 2024 there were 89 births against 150 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ozark County?
$44,163. The median owner-occupied home is valued at $168,600, which is 3.8 times income, and median gross rent is $631 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ozark County?
163 establishments, employing 876 people with an annual payroll of $27.5 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Ozark County?
Retail trade is the largest private sector at 223 jobs, 14.7 percent of covered employment. Covered employment averages 1,512 jobs at an average annual pay of $33,721, or $648 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ozark County?
5 7(a) approvals totaling $1.2 m since FY2020, across 3 lenders, with a median approval of $250,000, plus 1 504 approvals worth $202,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Ozark County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ozark County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Ozark County come from?
The largest single origin is Howell County, with 37 households. Arriving households report an average income of $51,898 against $37,211 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ozark County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Ozark County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Ozark County
Cities and places in Ozark.
6 Census places lie wholly or partly in Ozark County. All 6 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Gainesville | city | 1,010 | 1 | Wholly in this county |
| Bakersfield | village | 188 | None recorded | Wholly in this county |
| Sundown | CDP | 178 | None recorded | Wholly in this county |
| Theodosia | village | 178 | 1 | Wholly in this county |
| Pontiac | CDP | 88 | None recorded | Wholly in this county |
| Wasola | CDP | 34 | 3 | Wholly in this county |