Lake Ozark, MO · standard
ZIP Code 65049
Camden County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,618
- 132/sq mi High-density area
- $86,453
- Median income Above-median income area
- $362,800
- Median home value Above-median home value
- 39.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Lake Ozark pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- Top 25%
- home value, US ZIPs
- 132
- people per sq mi
- 79%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65049 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 65049 (Lake Ozark, MO) rose +13.1% from 2023 to 2024. The all-transactions index moved from 256.6 in 2023 to 290.2 in 2024 (2000 = 100).
ZIP code 65049 is a mid-sized community (a standard USPS delivery area) in Lake Ozark, Camden County, Missouri, home to 6,618 residents across 50.3 square miles, a density of 132 people per square mile, in the Chicago time zone.
ZIP 65049 lands in the middle-income range, with a median household income of $86,453 (29% above the average Missouri ZIP), while per-capita income is $47,347. The poverty rate is 12.3%, with unemployment at 6.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $362,800 (90% above the average Missouri ZIP), while 79.0% of occupied homes are owner-occupied and median rent is $1,101.
A solid share of residents have a four-year degree: 39.3% of adults hold a bachelor's degree or higher, the median age is 48.4, and the average commute is 24 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Camden County, so 65049 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 65049
Top 5 sectors by establishment count in Lake Ozark, MO
Which industries have the most business establishments in ZIP 65049.
- Accommodation and food services
Accommodation and food services
48 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
46 establishments
- Retail trade
Retail trade
43 establishments
- Construction
Construction
36 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
34 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 65049, Lake Ozark, MO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
6,618
Population
50.3
Area (sq mi)
132
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 65049?
48.4
Median Age
49.0%
Male
51.0%
Female
0.8%
Foreign-Born
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?
$86,453
Median Household Income
+29% vs state ZIP avg
$47,347
Per Capita Income
12.3%
Poverty Rate
6.6%
Unemployment Rate
24.1 min
Mean Commute Time
How ZIP 65049 ranks among Missouri ZIPs
Lake Ozark, MO household income vs. every Missouri ZIP code
Median household income among 948 reporting Missouri ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$86,453 Top 16% higher than 84% of 948 Missouri ZIPs
Each bar is a $20K-wide band; taller bars hold more Missouri 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
8,132housing units
8,132
Total Housing Units
2,896
Occupied Units
5,236
Vacant Units
2.42
Avg Household Size
Occupancy Type
$362,800
Median Home Value
+90% vs state ZIP avg
$1,101
Median Rent
1988
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
+13.1%
YoY Change (2024)
290
HPI Index (2000 = 100)
+190%
Total Change Since 2000
Home values in ZIP 65049 have increased 13.1% over the past year (2024). Since 2000, this ZIP has seen +190% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.1% | 170 |
| 2021 | +19.1% | 203 |
| 2022 | +22.2% | 248 |
| 2023 | +3.4% | 257 |
| 2024 | +13.1% | 290 |
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 319 business establishments in ZIP 65049, employing approximately 3,226 people with a combined annual payroll of $127,456,000.
319
Businesses
3,226
Employees
$127.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 48 | 15.1% |
| Real estate and rental and leasing | 46 | 14.4% |
| Retail trade | 43 | 13.5% |
| Construction | 36 | 11.3% |
| Professional, scientific, and technical services | 34 | 10.7% |
| Other services (except public administration) | 26 | 8.2% |
| Finance and insurance | 19 | 6.0% |
| Administrative and support and waste management and remediation services | 19 | 6.0% |
| Health care and social assistance | 13 | 4.1% |
| Arts, entertainment, and recreation | 9 | 2.8% |
| Manufacturing | 8 | 2.5% |
| Utilities | 5 | 1.6% |
| Wholesale trade | 5 | 1.6% |
| Information | 4 | 1.3% |
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 65049 vs 65065 →
ZIP 65049 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65026
Eldon (65026)
11,551 residents
- 65049
Lake Ozark (65049)
6,618 residents
- 65065
Osage Beach (65065)
6,414 residents
- 65079
Sunrise Beach (65079)
4,729 residents
- 65072 1,847
Rocky Mount (65072)
1,847 residents
- 65047 1,351
Kaiser (65047)
1,351 residents
What this shows Among its immediate neighbors, ZIP 65049 ranks #2 by population - useful context the national average alone can't give.
ZIP 65049 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65049
Lake Ozark (65049)
$86,453 median income
- 65072
Rocky Mount (65072)
$78,750 median income
- 65079
Sunrise Beach (65079)
$70,024 median income
- 65065
Osage Beach (65065)
$60,785 median income
- 65047
Kaiser (65047)
$53,750 median income
- 65026
Eldon (65026)
$48,824 median income
What this shows By household income, ZIP 65049 ranks the highest of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 65049, both outside MO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (6,618 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Camden County
Related Areas
Frequently Asked Questions
What county is ZIP code 65049 in?
ZIP code 65049 (Lake Ozark) 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 65049?
ZIP code 65049 in Lake Ozark, MO has a population of 6,618 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65049?
The median household income in ZIP 65049 is $86,453, which is 13% above the national average of $76,288.
What is the average home value in ZIP 65049?
The median home value in ZIP 65049 is $362,800, which is 30% above the national average of $278,155.
What is the demographic makeup of ZIP 65049?
The largest racial group in ZIP 65049 is White at 93.7%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 65049?
ZIP code 65049 has 319 business establishments employing approximately 3,226 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65049?
The top industries by establishment count in ZIP 65049 are: Accommodation and food services (48), Real estate and rental and leasing (46), Retail trade (43). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 65049?
According to the FHFA House Price Index, home values in ZIP 65049 increased by 13.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 190%. 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 65049?
In ZIP code 65049, 66.4% of residents aged 25+ have a high school diploma or higher, and 39.3% 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 65049?
The mean commute time for workers in ZIP code 65049 is 24.1 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 65049?
In ZIP code 65049, approximately 79.0% of occupied housing units are owner-occupied and 21.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65049?
The poverty rate in ZIP code 65049 is 12.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 65049's numbers, next.
- See how ZIP 65049 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lake Ozark, MO ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.