Table Rock Lake, MissouriSTR Bonus Depreciation Market Profile · #11 in the DepreciMax Top 50
The Ozarks' highest-Diamond-density lake market at 78% Diamond — driven by deep dock-and-lake-house amenity stacks across the Kimberling City / Branson West / Hollister corridor. Missouri's full §168(k) conformity means investors capture the full federal-plus-state Year 1 benefit. Lake-waterpark amenity mix — docks, hot tubs, fire pits, wraparound decks — drives the 15-year improvement basis.
Median across active STR-suitable listings. 1,000+ short-term rentals in market.
Diamond Density
69%
Share of Table Rock Lake STR listings that hit Diamond tier (≥24% bonus-eligible % of purchase price).
Bonus-Eligible %
25.7%
Median % of purchase price classifiable as 5-yr or 15-yr property under §168(k).
Federal Savings @ 37%
$40k
Median federal tax savings on a $419k purchase.
Table Rock Lake at a glance
Rank: #11 of 50 (DepreciMax Top 50 · 2026)
Median Year-1 deduction: ~$107,799 on a $419k STR
Bonus-eligible %: 25.7% (market median, share of purchase price classifying as 5-year or 15-year property)
Diamond density: 69% of Table Rock Lake STR listings hit ≥24% bonus-eligible % (national Diamond tier)
Gold-or-better density: 89% of listings hit ≥22%
Missouri state §168(k) conformity: Full — full federal + state benefit
Airbnb market depth: 1,000+ active short-term rental listings
Bonus depreciation (IRS §168(k)): a federal tax provision letting investors deduct 100% of qualifying property costs in the year the property is placed in service. For short-term rentals, the deductible portion is the 5-year (personal property) and 15-year (land improvements) components of the total purchase price. See what bonus depreciation is for short-term rentals for the full explainer.
Bonus-eligible %: a DepreciMax metric — the share of a property's purchase price that classifies as 5-year or 15-year property under §168(k), and is therefore 100% deductible in Year 1. Table Rock Lake's market-median bonus-eligible % is 25.7% — meaning a typical $419k Table Rock Lake STR generates ~$108k of Year-1 deduction.
The 7-day STR rule: to unlock the "STR loophole" — where bonus depreciation offsets W-2 and other ordinary income, not just passive rental income — the property must average a guest stay of 7 days or less and the owner must materially participate. See how to qualify for the STR loophole.
The Table Rock Lake shoreline crosses Stone and Taney counties in Missouri; Stone County Health Department requires a $150 annual vacation rental permit (2012 ordinance) for any rental under 28 days, while unincorporated Taney County has no STR ordinance and Branson city limits enforce a separate STR permit. Permit: Yes · Cap: No · Min stay: None · Owner-occ.: No. Verified 2026-08-16 against primary jurisdiction sources — read the full regulations profile →
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Missouri State Conformity — Full
Missouri fully conforms to federal §168(k). Investors capture the entire Year-1 federal deduction plus Missouri state-level tax savings against Missouri's income tax. The state layer is additive, not subtractive.
Why Table Rock Lake ranks #11 for STR bonus depreciation
Strongest Diamond-density STR profile in the Northeast — a third of Table Rock Lake short-term rentals hit ≥24% bonus-eligible % of purchase price. Cabin and lake-house amenity stack drives the 15-year improvement basis; state conformity state conformity reduces state-level benefit slightly, but federal Year 1 deduction is among the strongest on the list.
What drives Table Rock Lake's high bonus depreciation?
Table Rock Lake STRs lean heavily on the amenity categories the IRS classifies as 15-year land improvements: hot tubs, fire pits, outdoor kitchens, pergolas, and lake docks — all 100% bonus-eligible in Year 1 under §168(k). That amenity density pushes market-median bonus-eligible % to 25.7%, second only to Lake Cumberland KY (26.9%).
Does Missouri conform to federal §168(k) bonus depreciation?
Only partially. Missouri allows federal bonus depreciation to flow through, but adds back a portion at the state level and spreads it over a longer recovery period. The federal Year-1 deduction is unaffected — this is still a strong federal market — but the state portion of the savings is smaller than in fully-conforming states. PA-resident investors should model the state-federal split with their CPA before purchase.
Common bonus-eligible amenities in Table Rock Lake STRs
Prevalence of 15-year land improvements we typically see across Table Rock Lake short-term rentals — all 100% bonus-eligible in Year 1 under IRS §168(k):
Private dock or boat slip
74%
Hot tub or spa
66%
Fire pit / fire feature
60%
Outdoor deck or wraparound porch
68%
Outdoor kitchen / BBQ area
34%
Boat lift or launch
28%
Table Rock Lake, MO vs Lake Cumberland, KY vs Branson, MO — bonus depreciation comparison
The three markets share a similar bonus-eligible % profile in the DepreciMax Top 50 — the differentiation is rank, price point, and state §168(k) conformity.
Table Rock Lake bonus depreciation calculator (by zip code)
Table Rock Lake spans 4 primary sub-markets with materially different STR economics. The calculator below has a zip dropdown — switch it to your area. The bonus-eligible percentage (Table Rock Lake's market-typical 25.7%) stays constant across zips because it reflects the property type, not the location. state conformity — federal deduction is the primary benefit.
Table Rock Lake zip code comparison
Zip
Sub-market
Land ratio
Typical price
Typical Year-1 deduction
65686
Kimberling City / Reeds Spring (highest)
High
$475k
$122k
65737
Branson West
High
$419k
$108k
65672
Hollister
Moderate
$365k
$94k
65624
Cape Fair (lowest)
Moderate
$310k
$80k
Sample calculation: $419k Table Rock Lake STR (median-priced Lake Harmony listing)
Purchase price: $419,450
Table Rock Lake market median: 25.7% of purchase price classifies as bonus-eligible 5-yr + 15-yr property under §168(k)
Year-1 §168(k) deduction: $108k
Federal tax savings at 37% bracket: $64.1k
See IRS Publication 946 for §168(k) rules. Use the interactive calculator below to model your specific deal.
Looking for a deeper read on your specific property, not just the market median? Run the $99 Table Rock Lake property report — our AI analyzes 7–9 listing photos against the IRS classification rules and returns a line-item §168(k) estimate closely calibrated to a formal $5K–$8K cost seg study.
Representative listings & deductions
Three live Table Rock Lake listings spanning entry, mid, and high price tiers. Year 1 deduction is estimated as a range around the Table Rock Lake market bonus-eligible average (25.7% ± 3 percentage points). Click any card to run a full property report to tighten to one exact number.
How to use this data to underwrite a Table Rock Lake STR deal
The market-median numbers on this page are a screening tool, not a final answer. Here's how STR investors and their CPAs actually convert a market rank + median bonus-eligible % into an underwriting number for a specific offer.
Screen the deal against the market median. If a Table Rock Lake listing is priced within the p25–p75 range ($512k–$1,010k) and looks like a typical cabin or lake-house STR, the market-median 25.7% bonus-eligible is a defensible screening estimate. That gives you a Year-1 deduction range you can plug into an initial underwriting model in about 60 seconds — before you invest CPA time or offer-drafting effort.
Adjust up or down based on amenity signals. Table Rock Lake properties with a full outdoor stack (hot tub + fire pit + wraparound deck + outdoor kitchen + pergola) trend toward the Diamond tier at 24–30% bonus-eligible. Properties with minimal outdoor amenities — condos, indoor-only cabins, or properties without lake access — trend toward the Bronze tier at 18–20%. Use the amenity checklist to categorize before you commit.
Model the offer with the deduction baked in. Take the estimated Year-1 deduction × your federal marginal rate (typically 37% for high-earner STR investors) = federal tax savings. Add this to your effective Year-1 cash-on-cash return. On a $419k Table Rock Lake STR at 25.7% bonus-eligible, that's ~$40k in federal savings — often 8–12% of purchase price flowing back into Year-1 cash. Missouri's partial conformity means state-level savings are minimal for PA residents, so pure-federal math dominates.
Verify with a $99 property-level report before you sign. Once you're past screening and preparing to make an offer, run the specific property through DepreciMax's photo-analysis pipeline. The $99 report tightens the estimate to a single number, line-items the 5-year / 15-year / 39-year breakdown, and delivers a calibrated Year-1 number closely calibrated to a formal cost segregation study's bonus-eligible %. Your CPA can build the return directly from this output; a formal engineered study (typically $5,000–$8,000) is only necessary post-closing for IRS-defensible filing on very large deductions or high-scrutiny audit risk.
Verified as of 2026-08-16 against primary jurisdiction sources. See the full Table Rock Lake STR regulations page for jurisdiction breakdown, ordinance section numbers, and 5-question FAQ.
Verified as of 2026-08-16 against primary jurisdiction sources. See the full Table Rock Lake STR regulations page for jurisdiction breakdown, ordinance section numbers, and 5-question FAQ.
Table Rock Lake's #11 rank comes from the DepreciMax Top 50 methodology: we score every active STR-suitable listing across the nation's most-watched STR markets on land value, state §168(k) conformity, and amenity mix, then rank markets by the median bonus-eligible % of their active listings. Individual property estimates are closely calibrated to a formal cost segregation study.
Sample listings are real active for-sale listings — actual addresses shown. Bonus depreciation outcomes vary by individual property; this page estimates ranges for typical purchases. Not tax advice — consult your CPA before making investment decisions.
Score live Table Rock Lake properties — for your specific deal
Run any active Table Rock Lake listing through the DepreciMax property scorer. Free market search shows you every listing ranked by bonus depreciation potential. $99 per detailed AI report on a specific property — closely calibrated to a formal cost seg study.
