PlainZIP

Camdenton, MO · standard

ZIP Code 65020

Camden County, Missouri — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

14,286
44/sq mi
$62,392
Median income
$265,200
Median home value
20.8%
Bachelor's or higher

The verdict

Camdenton pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

34th pct
household income, US ZIPs
Top 39%
home value, US ZIPs
44
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65020 against every reporting US ZIP.

ZIP code 65020 is classified by USPS as a standard delivery area and covers roughly 323.2 square miles in Camdenton, Camden County, Missouri. The area is home to 14,286 residents, producing a population density of 44 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 65020 against Missouri and the nation.

On the economic side, the median household income for ZIP 65020 sits at $62,392 (7% below the Missouri average), while per-capita income is $33,742. The poverty rate stands at 12.3% and the unemployment rate at 3.1%. On housing, the median home value is $265,200 (39% above the state average) with median rent at $879 per month, and 80.1% of occupied units are owner-occupied, a direct signal of whether 65020 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.8% of adults hold a bachelor's degree or higher, the median age is 47.1, and the average commute is 20 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Camden County, so you can benchmark 65020 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 65020

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 65020.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 65020, Camdenton, MO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

14,286

Population

323.2

Area (sq mi)

44

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 65020?

47.1

Median Age

49.2%

Male

50.8%

Female

2.2%

Foreign-Born

White 91.3%
African American 0.9%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.3%
Hispanic or Latino 5.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$62,392

Median Household Income

-7% vs state

$33,742

Per Capita Income

12.3%

Poverty Rate

3.1%

Unemployment Rate

19.9 min

Mean Commute Time

How ZIP 65020 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$62,392 34th percentile higher than 34% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.4%
Bachelor's Degree or Higher 20.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

10,029

Total Housing Units

5,550

Occupied Units

4,479

Vacant Units

2.63

Avg Household Size

Occupancy Type

Owner 80.1%
Renter 19.9%

$265,200

Median Home Value

+39% vs state

$879

Median Rent

1991

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.2%

YoY Change (2024)

277

HPI Index (2000 = 100)

+177%

Total Change Since 2000

Home values in ZIP 65020 have increased 6.2% over the past year (2024). Since 2000, this ZIP has seen +177% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 161
2021 +23.2% 198
2022 +16.5% 231
2023 +13.0% 261
2024 +6.2% 277

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 451 business establishments in ZIP 65020, employing approximately 4,207 people with a combined annual payroll of $185,534,000.

451

Businesses

4,207

Employees

$185.5M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 76 16.9%
Construction 72 16.0%
Other services (except public administration) 54 12.0%
Accommodation and food services 46 10.2%
Health care and social assistance 44 9.8%
Professional, scientific, and technical services 25 5.5%
Finance and insurance 22 4.9%
Administrative and support and waste management and remediation services 20 4.4%
Wholesale trade 18 4.0%
Real estate and rental and leasing 17 3.8%
Manufacturing 16 3.5%
Transportation and warehousing 16 3.5%
Information 10 2.2%
Arts, entertainment, and recreation 9 2.0%
Utilities 3 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 65020 vs 65052 →

ZIP 65020 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 65020 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 65020 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 65020 ranks #4 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
65052 Linn Creek, MO 3,446 7.6 mi
65787 Roach, MO 1,864 7.5 mi
65079 Sunrise Beach, MO 4,729 10.4 mi
65065 Osage Beach, MO 6,414 10.7 mi

More ZIP Codes in Camden County

65049 standard
Lake Ozark, MO
Pop: 6,618
65065 standard
Osage Beach, MO
Pop: 6,414
65079 standard
Sunrise Beach, MO
Pop: 4,729
65052 standard
Linn Creek, MO
Pop: 3,446
65786 standard
Macks Creek, MO
Pop: 2,250
65787 standard
Roach, MO
Pop: 1,864

Related Areas

Camden County Camdenton, MO Missouri

Frequently Asked Questions

What county is ZIP code 65020 in? ▼
ZIP code 65020 (Camdenton) is located in Camden County, Missouri. Camden County contains multiple ZIP codes, see the full list at /counties/camden-mo.
What is the population of ZIP code 65020? ▼
ZIP code 65020 in Camdenton, MO has a population of 14,286 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65020? ▼
The median household income in ZIP 65020 is $62,392, which is 18% below the national average of $76,288.
What is the average home value in ZIP 65020? ▼
The median home value in ZIP 65020 is $265,200, which is 5% below the national average of $278,155.
What is the demographic makeup of ZIP 65020? ▼
The largest racial group in ZIP 65020 is White at 91.3%. Hispanic or Latino residents make up 5.7% of the population.
How many businesses are in ZIP code 65020? ▼
ZIP code 65020 has 451 business establishments employing approximately 4,207 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65020? ▼
The top industries by establishment count in ZIP 65020 are: Retail trade (76), Construction (72), Other services (except public administration) (54). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 65020? ▼
According to the FHFA House Price Index, home values in ZIP 65020 increased by 6.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 177%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 65020? ▼
In ZIP code 65020, 57.4% of residents aged 25+ have a high school diploma or higher, and 20.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 65020? ▼
The mean commute time for workers in ZIP code 65020 is 19.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 65020? ▼
In ZIP code 65020, approximately 80.1% of occupied housing units are owner-occupied and 19.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65020? ▼
The poverty rate in ZIP code 65020 is 12.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Camdenton, MO

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.