Ozark County, Missouri: commercial real estate data.
Ozark County, Missouri has a population of 8,873 across 745 square miles, up 6.3 percent since the 2020 census base. 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.
114 sourced county values · tier FULL · 11 sections
Ozark County
How many people live in Ozark County
- Population8,873
- 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-equivalents2574th
Ozark County is the 91st largest of 115 Missouri counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market 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 storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ozark County
Is Ozark County growing
- Population change since the 2020 census base6.27 percent
- Census 2020 base population8,554
- 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
The county has grown 6.27 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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 people moving to Ozark County come from
- Tax returns filed by households arriving322
- People arriving, from those returns670
- Adjusted gross income arriving$16.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,898
- Largest single originOzark County Non-migrants (3,066 households)
- Largest single destination (3,066 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ozark County Non-migrants | 3,066 | 6,402 | $143.4 m |
| Other flows - Different State | 196 | 421 | $10.8 m |
| Other flows - South | 97 | 216 | $5.7 m |
| Other flows - Same State | 89 | 170 | $4.4 m |
| Other flows - West | 56 | 139 | $3.1 m |
| Other flows - Midwest | 43 | 66 | $2.0 m |
| Howell County | 37 | 79 | $1.5 m |
The largest single source of arrivals is Ozark County Non-migrants, 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 the Ozark County economy runs on
- 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 Missouri counties108th
- Rank by GDP among US county-equivalents2907th
- 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
Who employs people in Ozark County
- Covered employment, annual average1,512
- Establishments reporting252
- Average annual pay$33,721
- Average weekly wage$648
- Sector 44-45, employment223
- Sector 44-45, average annual pay$21,063
- Sector 72, employment201
- Sector 72, average annual pay$24,421
- Sector 31-33, employment111
- Sector 31-33, average annual pay$22,315
- Sector 52, employment59
- Sector 52, average annual pay$63,890
- Sector 71, employment47
- Sector 23, employment38
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 223 | 26 | $21,063 |
| Sector 72 | 201 | 14 | $24,421 |
| Sector 31-33 | 111 | 9 | $22,315 |
| Sector 52 | 59 | 12 | $63,890 |
| Sector 71 | 47 | 4 | $25,849 |
| Sector 23 | 38 | 19 | $37,547 |
| Sector 54 | 38 | 15 | $54,275 |
| Sector 81 | 29 | 13 | $27,498 |
The largest sector is the biggest private employer group at 223 jobs, 14.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ozark County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Ozark County
What is being built in Ozark County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised 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
How much SBA lending happens in Ozark County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.2 m
- Average 7(a) approval$245,540
- Median 7(a) approval$250,000
- 10th percentile approval$100,000
- 90th percentile approval$478,600
- 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
- Most active CDCRural Missouri, Inc. (1)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$1.4 m
The average approval of $245,540 sits close to the median of $250,000, so lending here is fairly evenly sized rather than driven by a few large deals. 40.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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
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
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ozark County
Which parts of Ozark County get the lending
- Places in the county with recorded lending3
- Wasola, approvals3
- Gainesville, approvals1
- THEODOSIA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Wasola | 3 | $624,100 |
| Gainesville | 1 | $125,000 |
| THEODOSIA | 1 | $478,600 |
Wasola accounts for 3 approvals against 1 in Gainesville. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ozark County
How big 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 boundary3
- 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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population8,873
- 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?
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 growing?
The population has grown 6.27 percent since the 2020 census base. 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 there 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 the average wage in Ozark County?
Average annual pay is $33,721, or $648 a week, across 1,512 covered jobs. 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 totalling $1.2 m since FY2020, across 3 lenders, with a median approval of $250,000, plus 1 504 approvals worth $202,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Ozark County?
No residential units were authorised 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 Ozark County Non-migrants, with 3,066 households. Arriving households report an average income of $51,898 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.