Terre du LacMO
A town of 2,516.
Is Terre du Lac a good place to live?
Terre du Lac gives you more for your money than most places: a typical home costs about $199K, 3.5 years of the Farmington area’s $57K median household income. It grades B overall, 88th among Missouri's 247 graded towns. Terre du Lac’s average trip to work is 36 minutes, where Missouri’s towns sit at 22 minutes and U.S. towns at 25 minutes. Only 29 of Missouri’s 419 towns score lower on walkability.
97% of working residents leave Terre du Lac for work
Where Terre du Lac’s working residents go each day. Line width shows the share.
Census LEHD 2023
How Terre du Lac grades
Each subject compared with towns across the country (schools within Missouri), ordered by how far Terre du Lac is from typical.
How TownRatings grades towns →
Moving to Terre du Lac: who provides what
Terre du Lac is unincorporated, so St. Francois County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.
The data
Ordered by what stands out in Terre du Lac.
Terre du Lac trades lower home prices for longer drives to work and sends most of its workers to Farmington and beyond.
Conserved land covers 0% of Terre du Lac
5.8 miles of trail in 0 parks and preserves. The trail density in Terre du Lac is 0.8 miles per square mile.
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Most working residents commute out of Terre du Lac
Terre du Lac has 106 jobs for its 976 working residents: even if every job went to a resident, most would still commute out. The average commute takes 35.5 minutes, against 23.5 across Missouri.
Most working residents leave Terre du Lac for work: only 3% work in town. 6.4% of residents live below the poverty line in Terre du Lac. Since 2013, Terre du Lac has lost 52 jobs, to 106 in 2023.
| Terre du Lac | Missouri towns | U.S. towns | |
|---|---|---|---|
| Below the poverty line | 6.4% | 14% | 9.6% |
| Working residents who work in town | 3.3% | 13% | 8% |
| Median household income | $86,000 | $62,000 | $80,000 |
Where working residents work
Census LEHD 2023 · ACS
Terre du Lac has four seasons and hot summers
Terre du Lac has chilly winters and warm summers. July afternoons reach 88°, January nights drop to 22° and about 9 inches of snow falls in a winter.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
Terre du Lac faces a high natural-hazard risk, led by inland flooding
Expected storm and flood damage is higher than in 66% of U.S. communities.
FEMA National Risk Index · OpenFEMA
An age mix much like Missouri’s
No broad age group is more than 4 points off the Missouri average. Terre du Lac’s median age is 42.5 years. 27% of adults 25 and older have a bachelor’s degree or more, vs 32% across Missouri.
| Terre du Lac | Missouri towns | U.S. towns | |
|---|---|---|---|
| Median age | 42.5 years | 38.5 years | 40.5 years |
| Aged 65 or older | 20% | 17% | 18% |
| Bachelor’s degree or more, 25+ | 27% | 22% | 29% |
Ages · share of residents
Education · adults 25 and older
Women and men · all residents
51% women, 49% men
That’s an even split within the survey’s margin of ±7.6 points. Across Missouri, 50.7% of residents are women. Among residents 18 to 24, 90% are men (MO 51%).
| Terre du Lac | MO | U.S. | |
|---|---|---|---|
| Under 10 | 18.3% | 11.9% | 11.6% |
| 10 to 17 | 5.1% | 10.4% | 10.3% |
| 18 to 24 | 4.2% | 9.1% | 9.1% |
| 25 to 34 | 15.5% | 13.2% | 13.7% |
| 35 to 44 | 9.9% | 12.8% | 13.2% |
| 45 to 54 | 13.5% | 11.6% | 12.2% |
| 55 to 64 | 13.7% | 13% | 12.7% |
| 65 to 74 | 9.1% | 10.6% | 10.2% |
| 75 and older | 10.7% | 7.3% | 7% |
| No diploma | 3.7% | 8.1% | 10.4% |
| High school | 34% | 30.2% | 26% |
| Some college | 25.2% | 20.8% | 19.1% |
| Associate’s | 10% | 8.4% | 8.8% |
| Bachelor’s | 19.6% | 19.8% | 21.6% |
| Graduate | 7.5% | 12.6% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 2,500, single groups can be off by several points
Residents of Terre du Lac are less healthy than 52% of U.S. towns
Terre du Lac beats the Missouri average on 5 of 32 CDC measures and trails it on 2. 16% of Terre du Lac adults report frequent mental distress.
| Terre du Lac | Missouri towns | U.S. towns | |
|---|---|---|---|
| Frequent mental distress (CDC PLACES) | 16% | 19% | 17% |
| High blood pressure (CDC PLACES) | 40% | 37% | 35% |
| Feel lonely (CDC PLACES) | 30% | 32% | 33% |
| Food insecurity (CDC PLACES) | 9.6% | 15% | 14% |
| What stands out | Terre du Lac | MO |
|---|---|---|
| Fewer adults facing a utility shut-off | 6.3% | 9% |
| Fewer adults facing food insecurity | 9.6% | 13.7% |
| More adults who have had cancer | 10.8% | 8.6% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
A larger share of households in Terre du Lac own their home than in the typical Missouri or U.S. town
Homes are within reach (A− for cost of living), but half of working residents commute more than 21 miles.
Among 247 Missouri towns, just 2 have a higher share of households owning their home than Terre du Lac. The median sale price was $286,000 in May 2026.
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Everything we know about Terre du Lac
Colleges nearby
1 within 15 miles of the center of Terre du Lac
About 1 of every 100 Terre du Lac residents are enrolled in college, against 6 across Missouri.
About Terre du Lac
Unincorporated community in Missouri, U.S.
Terre du Lac is an unincorporated community and census-designated place in St. Francois and Washington counties in the U.S. state of Missouri. It uses zip code 63628, from neighboring Bonne Terre. As of the 2020 census, Terre du Lac had a population of 2,478. The recreational community is built around several man-made lakes and a golf course overlooking the Big River valley to the south.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Elevation
- 873 ft
Questions about Terre du Lac
Short answers, built from the data on this page.
Is Terre du Lac, MO a good place to live?
By most measures, yes. Terre du Lac grades B overall, better than 61% of U.S. towns and #88 of 247 in Missouri. It grades B− for health and B+ for schools. Walkability is its weak spot, with a C−.
Is Terre du Lac, MO expensive?
Not for the area. The typical home is worth about $199,000, 25% below the Missouri typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades A−.