States · Missouri · Ozark County

Theodosia, Missouri.

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What it costs per month · Theodosia $1,393/mo

to buy the typical home at today's mortgage rate — +$768 (+123%) since Jan 2020.

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Missouri $1,393 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Missouri$1,393
  • United States$1,922

Living in Theodosia, Ozark County, Missouri

Theodosia is a village of 188 people in Ozark County. Half its households earn more than $24,600 a year and half less, against $44,163 across Ozark County. 94% of its homes are lived in by their owners and 6% are rented. Unemployment in Ozark County was 5.3% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most people in Ozark County work in schools and health care, then manufacturing.

People 188 in the 2020 census; median age 59.6
Household income $24,600 the median, give or take $5,135 · Ozark County: $44,163
Unemployment 5.3% Ozark County, August 2026; 6.3% a year before
Homes 94% lived in by their owners; 6% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Theodosia is a very small village in Ozark County, Missouri, where residents are older than in most American communities. Nearly everyone who lives here owns their home. Incomes run well below the county's, and very few adults hold a four-year degree.

Work. Residents work mostly in schools, hospitals and social care, with others in manufacturing, shops and the building trades. Across Ozark County, some of the largest workplaces are Gainesville R-V Schools, Bakersfield R-IV Schools and Gainesville Health Care Center. Unemployment across the county is lower than a year ago, and the number of jobs has edged up slightly.

Things to do. Pond Fork, a river, runs in or beside town, and Barren Fork, another river, is a short drive away. A longer drive leads to Bull Shoals Lake, a large reservoir, and to Bull Shoals Caverns, a tourist attraction. Winters are cold with a little snow, summers are hot, and rain falls through the year.

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  • 4%of adults have a degree

What people in Ozark County work in

  • Schools, hospitals and social care20%
  • Manufacturing13%
  • Shops (retail)12%
  • Building trades9%
  • Farming, forestry and mining9%
  • Other services8%

Employed residents by industry, from the Census survey. Ozark County had 1,519 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 44° and 23°; warmest in July, 88° and 67° 20° 40° 60° 80° J 44° 23° F M A M J J 88° 67° A S O N D
Average daily high and low for each month: coldest in January, 44° and 23°; warmest in July, 88° and 67° 20° 40° 60° 80° J 44° 23° F M A M J J 88° 67° A S O N D

Coldest in January, with highs near 44° and lows near 23°; warmest in July, with highs near 88° and lows near 67°. About 8 inches of snow and 47 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Lead Hill weather station, 18 miles away (NOAA).

Largest workplaces in Ozark County

  1. Gainesville R-V SchoolsSchool district171FTE
  2. Bakersfield R-IV SchoolsSchool district71FTE
  3. Rainbow Trout and Game RanchResort hotels without casinos70
  4. Gainesville Health Care CenterSkilled nursing facilities58
  5. Lutie R-VI SchoolsSchool district48FTE
  6. Dora R-iii SchoolsSchool district43FTE
  7. American Pacific/Applicators, wood, manufacturing28

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 156 people in all across the county; Theodosia has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Ice stormsRelatively high
  2. Heat wavesRelatively high
  3. Strong windRelatively high
  4. Winter weatherRelatively moderate
  5. TornadoesRelatively moderate
  6. Cold wavesRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Theodosia’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ozark County.

Theodosia home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

Not enough data to draw this yet.

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

5 8 10 12 2025 2026 Theodosia 12
5 8 10 12 2025 2026
  • Theodosia12

Zip codes with a Theodosia address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Theodosia — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.