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City · 22,417 residents · Christian County, Missouri

Ozark , Missouri

In Ozark, a typical home is worth $254,800 and typical rent is $1,097 a month. Compared with all of Christian County, typical household income is 11% lower, the typical home value is 7% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $254,800

    7% below the county

    11% above Missouri

    • Ozark
    • Christian
    • Missouri

  • Typical rent

    $1,097a month

    4% above the county

    6% above Missouri

    • Ozark
    • Christian
    • Missouri

  • Typical household income

    $74,182a year

    11% below the county

    5% above Missouri

    • Ozark
    • Christian
    • Missouri

  • Households that own their home

    63%

    13 points below the county

    6 points below Missouri

    • Ozark
    • Christian
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$322,456
2.1% more than 12 months ago
Typical rent
$1,566 a month
6.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ozark is in Christian County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Christian County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ozark apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Springfield, the typical home value is $177,700: 30% less than in Ozark ($254,800).

  2. 63% of households in Ozark own their home, against 76% in Christian County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ozark

What homes there are in Ozark, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Ozark (70%), but less so than in Christian County (81%).

Year built

By age, homes in Ozark look like those in Christian County: the typical year built is 2002.

There are fewer big homes in Ozark than in Christian County: 72% have 3 bedrooms or more, against 77%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,521 a month

Christian County: $1,559 a month

Without a mortgage

$621 a month

Christian County: $571 a month

Owners with a mortgage

71%

Christian County: 67%

The typical cost for an owner with a mortgage in Ozark is $1,521 a month, near the figure in Christian County ($1,559).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Ozark rose 66% since 2015–2019, about the same as in Christian County (63%).

Much as in Christian County, the typical rent in Ozark rose 31% since 2015–2019.

While home values in Ozark changed +66% and rent +31%, the typical household income rose 33%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOzarkChristian CountyMissouriUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.6%1.7%3.4%
People per household 2.622.632.402.53
Drive alone 76%79%75%69%
Carpool 12%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 8%10%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Ozark look like those in Christian County: 2.62 people on average.

Carpooling is common in Ozark: 12% of workers get to work that way, against 9% in Christian County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ozark?

A typical home is tight for the typical income

We start with a typical home in Ozark, worth $254,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Ozark, which is $74,182 a year. For that payment to be 28% of income, a household would need to earn about $88,932 a year.

The calculator's FHA and conventional loan limits are those of all of Christian County.

Your numbers

Local data
$

Starts at the typical home value in Ozark. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,918 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,075

at 7.18% · 30 years

Loan amount
$250,185
Total interest
$359,957
Paid off in
November 2056

Includes $4,303 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,731 a month

  • Tight

    $1,731 to $2,225 a month

    Your payment · 34%

  • Hard

    more than $2,225 a month

Compared with the typical household income in Ozark ($74,182 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,075
Principal & interest$1,695
Property tax$161
Home insurance$106
FHA mortgage insurance (MIP)$113

You need at least $8,918 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ozark and Christian County

Ozark is in Christian County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ozark's own numbers

Typical home value
$254,800
Typical monthly rent
$1,097
Typical yearly household income
$74,182
Households that own their home
63%
Effective property tax rate
0.76%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Christian County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,113
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Christian County.

Everything about Christian County

Buying

Buying a home in Ozark

A typical home in Ozark is worth $254,800: 7% below the county and 11% above Missouri. With the typical household income in Ozark ($74,182 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ozark 3.4 years
  • Christian 3.3 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Christian County

According to FHFA’s house price index, home prices in Christian County rose 100% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Christian County.

Period County Missouri U.S.
Last year (2025) +2.3% +3.7% +2.9%
5 years (2020–2025) +59% +51% +47%
10 years (2015–2025) +100% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ozark next to Christian County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ozark $254,800
  • Christian $274,900
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Ozark $1,097
  • Christian $1,058
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Ozark $74,182
  • Christian $83,437
  • Missouri $70,702
  • United States $80,734
See the full table
Ozark next to Christian County and Missouri
Measure Ozark Christian County Missouri U.S.
Typical home value $254,800 $274,900 $230,300 $332,700
Typical monthly rent $1,097 $1,058 $1,033 $1,413
Typical yearly household income $74,182 $83,437 $70,702 $80,734
Households that own their home 63% 76% 68% 65%
Typical yearly property tax $1,926 $1,938 $1,948 $3,119
Effective property tax rate 0.76% 0.7% 0.85% 0.94%
Renters with high rent for their income 38% 41% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Christian County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ozark

For a typical $254,800 home in Ozark, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ozark's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,075a month

    Least cash to close
    Down payment
    $8,918
    Cash to close
    $16,562
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $2,028a month

    Down payment
    $12,740
    Cash to close
    $20,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $121

  • Conventional, 20% down, no PMI $1,648a month

    Down payment
    $50,960
    Cash to close
    $58,604
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,884a month

    Down payment
    $38,220
    Cash to close
    $45,864
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ozark and for Christian County.

Property tax

Effective rate in Ozark

0.76%of the home’s value each year

$1,926 a year for the typical owner in Ozark.

  • Ozark 0.76%
  • Christian 0.7%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in Christian County

FEMA does not publish these numbers by city: they are for all of Christian County.

Homes in the high-risk zone
0.8%
243
Of those, with NFIP insurance
19%
County Missouri U.S.
Homes in the high-risk zone 0.8% 1.6% 3.5%
Of those, with NFIP insurance 19% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ozark

Typical rent in Ozark is $1,097 a month: 4% above the county. In Ozark, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Christian County, by unit size. To pay the 2-bedroom one ($1,113 a month) without spending more than 30% of your income, you would need to earn $21.40 an hour working full time.

HUD fair market rent for all of Christian County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $908 $17.46 $36,320
1 bedroom $913 $17.56 $36,520
2 bedrooms $1,113 $21.40 $44,520
3 bedrooms $1,539 $29.60 $61,560
4 bedrooms $1,768 $34.00 $70,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ozark

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ozark is in ZIP code 65721.

For 2 bedrooms it is $1,190: $77 more than the fair market rent for Christian County ($1,113).

  • 65721 $1,190$1,650

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ozark when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ozark

HUD lists 7 buildings with rents for lower incomes in Ozark. These are the largest.

  • Mountain Boulevard Apts Phase II 2041 W Bingham St, Ozark 65721 56 low-income homes · 1 bd: 8 · 2 bd: 48 · In service since 1996
  • Mountain Boulevard Apts Phase II 2021 W Bingham St, Ozark 65721 40 low-income homes · 1 bd: 16 · 2 bd: 24 · In service since 1996
  • Finley Cottages 1523 Pebblebrooke Dr, Ozark 65721 42 homes, 33 low-income · 2 bd: 28 · 3 bd: 14 · In service since 2017 · For families
  • Ozark Senior Apts 605 S 4th St, Ozark 65721 24 low-income homes · 1 bd: 24 · In service since 1992
  • Mountain Boulevard Apts Phase II 2040 W Bingham St, Ozark 65721 48 homes, 20 low-income · 1 bd: 8 · 2 bd: 12 · In service since 1996

See all 22 buildings in Christian County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ozark

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Christian County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Ozark

No down payment, repair or rent-help program on our list is for Ozark or Christian County. The ones below are statewide in Missouri: they work in Ozark the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Ozark

The HUD-approved agencies closest to the center of Ozark, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Cambridge Credit Counseling Corporation - Springfield Branch

    1515 S Glenstone Ave, Springfield · 11 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (417) 889-7474

  • Love Columbia

    1209 E Walnut St, Columbia · 141 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (573) 256-7662

  • Community Services League

    404 N Noland Rd, Independence · 157 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 4 more
    (816) 254-4100

All counseling agencies in Missouri

Help in Spanish near Ozark

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ozark

HUD lists no housing authority with an office in Christian County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Missouri Source: HUD

Cities

Other cities in Christian County

These cities are also in Christian County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Christian County Housing in Missouri

Nearby cities

The cities closest to Ozark, with the typical home value.

Neighboring counties

If Christian County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ozark.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Ozark

Short answers with the numbers for Ozark and all of Christian County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ozark?

The typical home value in Ozark is $254,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Christian County it is $274,900.

How much does it cost to rent in Ozark?

Typical rent in Ozark is $1,097 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Christian County is $1,113.

What is the FHA loan limit in Ozark?

Ozark uses the FHA limit for all of Christian County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Ozark?

The typical homeowner in Ozark pays $1,926 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Christian County, the rate is 0.7%.

Where can I find free help to buy or rent in Ozark?

We found no HUD-approved counseling agencies with an office in Christian County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).