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Osage Beach Real Estate Market Facts

  • $213,900Median home price
    51% higher than Missouri
  • $605Median rent asked
    20% lower than Missouri
  • 60.4%Home owners
    10% lower than Missouri
  • 2.2People per home
    8% lower than Missouri
A general overview of the Osage Beach, MO real estate market is displayed above. The median home price for homes in Osage Beach, MO is $213,900, which is 51% higher than the Missouri average. This means that real estate in the Osage Beach, MO area is generally less affordable than the rest of Missouri. The median rent price in Osage Beach, MO is $605 which is 20% lower than the Missouri average. In Osage Beach, MO, 60.4% of people are home owners and an average of 2.2 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in Osage Beach, MO. We make it easy to find Osage Beach, MO real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

Osage Beach Home Affordability

  • $213,900Median home price
    51% higher than Missouri
  • $37,473Median home income
    24% lower than Missouri
  • 5.7xHome price to income ratio
    100% higher than Missouri
Home affordability can be a very important factor when determining where to purchase real estate in Osage Beach, MO. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in Osage Beach, MO is $213,900 and the median household income is $37,473. This results in a home price to income ratio of 5.7x, which is 100% higher than the Missouri average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in Osage Beach, MO are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in Osage Beach, MO.

Osage Beach Affordability Calculator

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When searching for real estate in Osage Beach, MO, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in Osage Beach, MO you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in Osage Beach, MO before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

Osage Beach Mortgage Calculator

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What will my monthly costs be if I purchase Osage Beach, MO real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

Osage Beach Demographics

  • 4,471Population
  • 458People / sq mile
  • 53.7Median age
  • 1.2:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Montreal, MO136$0100%
Lakeside, MO0$0100%
Bagnell, MO40$0100%
Gravois Mills, MO123$63,00066%
Linn Creek, MO261$67,80063%
Osage Beach, MO4,471$213,90016%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Soldotna, AK4,471$223,00021%
Elko New Market, MN4,472$268,20045%
Oak View, CA4,472$444,100140%
Tazewell, VA4,470$116,60037%
Santa Ynez, CA4,468$739,800301%
Osage Beach, MO4,471$213,90016%
Source: The Osage Beach, MO housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).