PlainZIP

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
$86,453
Median income
$362,800
Median home value
39.3%
Bachelor's or higher

The verdict

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.

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 Missouri average), while per-capita income is $47,347. Poverty here runs at 12.3%, with unemployment measured at 6.6%. Median home value sits at $362,800 (90% above the state average), median rent at $1,101 a month, and owner-occupancy at 79.0%.

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. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Camden County, letting you compare 65049 to its immediate surroundings rather than a national baseline alone.

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.

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 + 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

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 65049?

48.4

Median Age

49.0%

Male

51.0%

Female

0.8%

Foreign-Born

White 93.7%
African American 1.5%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.6%
Hispanic or Latino 2.8%

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

$47,347

Per Capita Income

12.3%

Poverty Rate

6.6%

Unemployment Rate

24.1 min

Mean Commute Time

How ZIP 65049 ranks nationally

Lake Ozark, MO household income vs. every US ZIP code

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

$86,453 Top 30% higher than 70% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 66.4%
Bachelor's Degree or Higher 39.3%

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

What does housing look like?

8,132

Total Housing Units

2,896

Occupied Units

5,236

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 79.0%
Renter 21.0%

$362,800

Median Home Value

+90% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 65049 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 65049 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 65049 ranks the highest of 6 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
65065 Osage Beach, MO 6,414 4.6 mi
65072 Rocky Mount, MO 1,847 5.5 mi
65079 Sunrise Beach, MO 4,729 5.5 mi
65047 Kaiser, MO 1,351 5.9 mi
65026 Eldon, MO 11,551 9.9 mi

More ZIP Codes in Camden County

65020 standard
Camdenton, MO
Pop: 14,286
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 Lake Ozark, MO Missouri

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.

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