Below Average CostSafer than AverageDIVISION OF YOUTH SERVICE
Median Income
$49,639
household / year
Median Home Value
$112,800
owner-occupied
Median Rent
$1,030
gross / month
Cost of Living
96
national avg = 100
Is Spanish Lake, MO a Good Place to Live?
Spanish Lake is a small city of 18,051 in Missouri, with a median household income of $49,639
and a 8.3% unemployment rate.
Its cost of living index is 96 (US average = 100), which is
4% below the national average.
Strengths:
Spanish Lake stands out for an affordable cost of living, below-average home prices.
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Spanish Lake is right for you depends on your priorities — the full breakdown is below.
All Spanish Lake city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 96.3
Spanish Lake's overall cost of living index is 96.3,
where 100 represents the US national average.
Living in Spanish Lake costs roughly 4% less than the average American city.
Metric
Spanish Lake, MO
National Avg
Median Home Value
$112,800
$244,900
Median Monthly Rent
$1,030
$1,163
Homeownership Rate
47.1%
65.9%
Median Household Income
$49,639
$74,755
Crime & Safety
Safer than Average
Spanish Lake's violent crime rate is 371.9 per 100,000 residents
— 2% lower than the national average of ~380 per 100,000.
Violent Crime
371.9 /100k
Property Crime
2051.6 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Spanish Lake is served primarily by DIVISION OF YOUTH SERVICE.
The student-to-teacher ratio is 6.7:1
(better than the national average of ~16:1).
Metric
Spanish Lake, MO
National Avg
School District
DIVISION OF YOUTH SERVICE
—
Elementary Schools
N/A
—
Middle Schools
N/A
—
High Schools
30
—
Student/Teacher Ratio
6.7:1
16:1
Bachelor's Degree or Higher
14.5%
35.4%
High School Diploma or Higher
89.8%
91.1%
Weather & Climate
Spanish Lake sees average highs of 39.0°F in January
and 87.3°F in July,
with 42.0 inches of annual precipitation
and 16.6 inches of snow per year.
Spanish Lake's cost of living index is 96, where 100 is the national average.
That makes Spanish Lake roughly 4% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $112,800 and median rent is $1,030/month.
Spanish Lake's violent crime rate is 371.9 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 2051.6 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Spanish Lake are operated by DIVISION OF YOUTH SERVICE.
The district has several elementary, several middle, and 30 high schools.
The student-to-teacher ratio is 6.7:1. 14.5% of adults 25+ hold a bachelor's degree or higher.
Spanish Lake, MO has a population of 18,051, a median household income of $49,639, and an unemployment rate of 8.3%.
Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Spanish Lake averages 39.0°F in January and 87.3°F in July. Annual rainfall is 42.0 inches
with about 16.6 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Spanish Lake, MO is covered by 1 ZIP code: 63138.
The population of Spanish Lake, Missouri is 18,051 with a median age of 32.1. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Spanish Lake: cost of living index 96 (100 = US average), median home $112,800, median household income $49,639, crime index 98 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Spanish Lake side by side with your current city to see the trade-offs.