What is the water temperature at Lake of the Ozarks?

Understanding Seasonal Changes for Swimmers, Anglers, and Boaters

Lake of the Ozarks, located in central Missouri, is a year-round destination for boating, swimming, fishing, and water sports. But before you take the plunge — or plan your next angling trip — one important detail you’ll want to consider is the water temperature. The lake’s water temperature changes dramatically throughout the year, influenced by seasonal air temperatures, rainfall, sunshine, and the lake’s depth and size.

So, what is the water temperature at Lake of the Ozarks — and when is the best time to enjoy the water? Here’s a detailed look at seasonal averages and what they mean for different lake activities.

Average Water Temperatures by Season

1. Spring (March to May)

Spring at Lake of the Ozarks marks a period of warming waters. After the cold winter months, water temperatures begin to rise in March, but slowly.

• March: 40°F to 50°F (4°C to 10°C)
• April: 50°F to 65°F (10°C to 18°C)
• May: 65°F to 75°F (18°C to 24°C)

By late May, the water is generally warm enough for swimming and recreational boating. Anglers find this season productive as many fish species become more active in warming shallows.

2. Summer (June to August)

Summer brings the warmest and most comfortable water temperatures. The lake surface can get surprisingly warm, ideal for all water activities.

• June: 75°F to 80°F (24°C to 27°C)
• July: 80°F to 85°F (27°C to 29°C)
• August: 78°F to 84°F (25°C to 29°C)

July is typically the warmest month. These temperatures are ideal for swimming, water skiing, tubing, and wakeboarding. Early mornings and late evenings may feel cooler, but mid-day warmth creates the perfect lake experience.

3. Fall (September to November)

As the air cools, the water gradually loses heat. September often still offers swimmable conditions, but by late October, most swimmers retire their suits.

• September: 70°F to 78°F (21°C to 25°C)
• October: 60°F to 70°F (15°C to 21°C)
• November: 50°F to 60°F (10°C to 15°C)

Fall is popular among anglers because cooling waters bring fish to shallower areas. Boaters also enjoy quieter waters and stunning foliage.

4. Winter (December to February)

In winter, the lake cools significantly, especially near the surface. Although Lake of the Ozarks rarely freezes entirely, shallow coves can develop thin ice.

• December: 40°F to 50°F (4°C to 10°C)
• January: 35°F to 45°F (1°C to 7°C)
• February: 38°F to 48°F (3°C to 9°C)

This season is not suited for swimming but may still attract cold-weather anglers and wildlife enthusiasts.

Lake of the Ozarks Average Monthly Water Temperatures

Month	Average Water Temperature
January	35°F - 45°F
February	38°F - 48°F
March	40°F - 50°F
April	50°F - 65°F
May	65°F - 75°F
June	75°F - 80°F
July	80°F - 85°F
August	78°F - 84°F
September	70°F - 78°F
October	60°F - 70°F
November	50°F - 60°F
December	40°F - 50°F

How to Check Real-Time Water Temperature

If you want current water temperature data, several websites and apps provide live readings. Ameren Missouri (which manages Bagnell Dam), the National Weather Service, and local marinas often publish real-time lake conditions. Water temperatures are usually taken near the surface and may vary slightly depending on location.

Best Times for Swimming and Water Sports

For most visitors, the best time to swim or enjoy water sports is from late May through mid-September, when water temperatures consistently stay above 70°F. This period offers comfortable water for families, vacationers, and recreational athletes.

If you’re an angler or nature lover, shoulder seasons like April, early May, September, and October offer cooler but still manageable conditions with fewer crowds.

Conclusion

Water temperature at Lake of the Ozarks varies widely by season — from frigid winter lows in the 30s to summer highs well into the 80s. Whether you’re planning a weekend getaway, fishing tournament, or full summer vacation, knowing the lake’s temperature trends can help you get the most out of your experience.

Keep an eye on forecasts and updates before your trip, and enjoy everything this dynamic and beautiful lake has to offer — no matter the season.