Lake of the Ozarks, MO Short-Term Rental ROI Calculator
Analyze your Airbnb investment with live Lake of the Ozarks market data. Pre-populated with real ADR, occupancy, and revenue benchmarks.
Investor Quick Take
Strengths
- Competitive ADR — $178/night market rate
- Accessible entry point — median home $285K
- STR-friendly regulations — low compliance burden
Risks
- Rising competition — 16% more listings vs last year
- High seasonality — significant off-season revenue drop
- Below-average occupancy — careful underwriting required
Moderate Market
Based on ADR, occupancy, and supply metrics
Lake of the Ozarks offers an accessible entry point at $285K median — lower capital requirement than comparable markets.
We've pre-populated this calculator with Lake of the Ozarks's market averages. Adjust the values to match your specific property.
Lake of the Ozarks Short-Term Rental Market Overview
Lake of the Ozarks offers a distinctive STR opportunity: authentic regional character, affordable property prices relative to coastal markets, and a growing appetite among urban visitors for unique rural getaways. Wine tourism, outdoor recreation, and destination events drive demand in a market with far fewer listings competing for that attention.
The average STR in Lake of the Ozarks generates approximately $33,800 in annual revenue, with an average daily rate of $178 and a 52% occupancy rate across the year. These metrics position Lake of the Ozarks as an accessible entry-point STR market — particularly attractive to investors seeking consistent year-round cash flow.
Active listings in Lake of the Ozarks grew by 16% year-over-year, currently sitting at approximately 4,100 active STR units. This rapid supply growth warrants attention — markets with accelerating inventory can see downward pressure on occupancy as new listings compete for the same pool of guests. Investors should track supply trends quarterly using tools like AirDNA or Rabbu before committing capital.
Key considerations for Lake of the Ozarks investors: regulatory risk is rated low — Lake of the Ozarks currently has minimal STR regulation, making it an investor-friendly market from a compliance perspective. Monitor local policy, as regulations can change. Property management costs, cleaning turnover for short stays, and platform fee optimization are the primary levers operators use to improve net margin in this market.
Market Metrics
Lake of the Ozarks Airbnb Revenue by Property Size
| Property Size | Avg ADR | Avg Occupancy | Avg Annual Revenue | Est. Cap Rate Range |
|---|---|---|---|---|
| Studio | $80 | 52% | $15K | 2.5–3.4% |
| 1BR | $116 | 52% | $22K | 3.6–4.9% |
| 2BR | $178 | 52% | $35K | 5.8–7.9% |
| 3BR | $276 | 52% | $56K | 9.1–12.4% |
| 4BR+ | $392 | 52% | $81K | 13.3–18.0% |
Lake of the Ozarks STR Revenue Calendar
Seasonal Insight: Peak season runs July, June, and August. Expect up to 38% higher revenue during peak months. Plan for January and December as your slowest period — approximately 28% below the annual average.
Is Lake of the Ozarks a Good Market for Short-Term Rentals?
Why investors choose Lake of the Ozarks
- ✓Year-round demand: Lake of the Ozarks's diverse visitor base prevents the seasonal cliffs common in resort markets
- ✓Growing market: 16% annual listing growth signals strong investor and visitor confidence
Key risks to consider
- !Moderate seasonality: revenue varies materially by month — budget conservatively for shoulder and off-peak periods
- !Below-average occupancy: 52% market average means careful property selection and pricing strategy are critical to profitability
Lake of the Ozarks STR Regulatory Overview
LowThe Lake of the Ozarks area across Camden, Morgan, and Miller counties has minimal STR regulation. Missouri is broadly permissive and the lake tourism economy supports vacation rentals.
Key Requirements
- ·County business license
- ·Missouri tourism tax
- ·HOA rules in marina and resort communities — verify before purchase
Source: Camden County & Missouri DOR · Last verified: 2026-01. Regulations change frequently — always verify current requirements with local authorities before investing.
Compare Lake of the Ozarks to Similar Markets
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| Metric | Lake of the Ozarks | Chicago | Branson | Traverse City |
|---|---|---|---|---|
| ADR | $178 | $198 | $142 | $198 |
| Occupancy | 52% | 57% | 58% | 50% |
| Avg Revenue | $34K | $41K | $30K | $36K |
| Median Home Value | $285K | $385K | $245K | $395K |
| Regulatory Risk | Low | High | Low | Low |
Lake of the Ozarks Short-Term Rental FAQs
Is Lake of the Ozarks a good market for short-term rentals?+
Lake of the Ozarks, MO is an accessible US STR markets. With an average daily rate of $178 and 52% occupancy, the average listing earns approximately $33,800 per year. Market performance varies significantly by property type, location within the city, and management quality — this calculator helps you model your specific scenario.
What is the average Airbnb income in Lake of the Ozarks?+
The average STR listing in Lake of the Ozarks generates approximately $33,800 in gross annual revenue at a $178 average daily rate and 52% occupancy. Top-performing listings with premium amenities, strong reviews, and professional management can earn 30–50% above the market average. After platform fees (3–5%), cleaning costs, and other expenses, net revenue typically ranges 60–75% of gross.
What occupancy rate can I expect for an Airbnb in Lake of the Ozarks?+
The market-average occupancy in Lake of the Ozarks is approximately 52%. New listings typically underperform the market average for the first 3–6 months while accumulating reviews. Properties with professional photography, competitive pricing, and consistently high ratings can reach 64–70% occupancy. This market is moderately seasonal — plan for meaningful variation between peak and off-peak months.
What are the STR regulations in Lake of the Ozarks?+
Regulatory risk in Lake of the Ozarks is rated Low. Lake of the Ozarks currently has minimal STR regulation, making it investor-friendly from a compliance standpoint. Always verify current requirements — local policies can change. Regulations change frequently; always confirm current rules with local authorities.
What type of property performs best as an Airbnb in Lake of the Ozarks?+
In Lake of the Ozarks, the highest-performing STR properties are typically unique properties: farmhouses, cabins, and historic homes. Guests in Lake of the Ozarks prioritize privacy, unique ambiance, and well-equipped spaces. The most efficient segment by revenue-per-dollar-invested is typically the 2-bedroom category.
What is the best season for Airbnb in Lake of the Ozarks?+
Lake of the Ozarks sees peak STR demand during summer (June–August). During peak season, top properties can command rates 38% above their annual average. The off-peak period sees materially lower rates and occupancy — conservative underwriting should assume 40–50% of peak revenue during the slowest months.
How much does it cost to buy an STR investment property in Lake of the Ozarks?+
The median home value in Lake of the Ozarks is approximately $285,000. With a 20% down payment, you'd invest roughly $66K in cash (including closing costs and setup). At the market-average revenue of $33,800/year, a property at median value would generate a gross revenue yield of approximately 11.9%. Use this calculator to model your specific purchase price, financing terms, and expense assumptions.
How does Lake of the Ozarks compare to other STR markets?+
Lake of the Ozarks offers accessible entry points relative to premium coastal markets. The $178 ADR is near the national STR average of roughly $185. For comparison, markets like Aspen and Malibu exceed $450 ADR but require significantly higher acquisition costs. Lake of the Ozarks offers a lower barrier to entry with reliable occupancy fundamentals.
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