Residential delivery area · Missouri
ZIP Code 65049: Lake Ozark, MO
ZIP code 65049 uses the postal name Lake Ozark, Missouri and lies mostly in Camden County (50% of its land) with the rest in Miller County (Census 2020 ZIP-county file). About 7,100 people live there (Census Bureau, ACS 2020-2024). Median household income is $86,453 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Lake Ozark (39%), Village of Four Seasons (25%) and Lakeside (2%); 34% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Lake Ozark · its only residential ZIP
- County
- Camden County (50%); Miller County (50%)
- Census places
- Lake Ozark (39%); Village of Four Seasons (25%); Lakeside (2%)
- House district
- MO-3 119th Congress
- State
- Missouri
- Time zone
- Central
- Land area
- 18.5 sq mi · 384 people per sq mi
Where is ZIP code 65049?
65049 centers on 38.200°, -92.675° and covers 18.5 square miles of land plus 9.7 of water. It borders 6 ZIP codes: 65065, 65079, 65072, 65047, 65037, 65026.
The map draws ZIP code areas only. For the streets inside 65049, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 65049 compare with the rest of Camden County?
| Measure | 65049 | In Camden County | In MO |
|---|---|---|---|
| People (ACS 2020-2024) | 7,123 | 4th of 17 | 239th of 1,035 |
| Median household income | $87k | 2nd of 10 | 97th of 479 |
| Median home value | $363k | 3rd of 12 | 37th of 494 |
Its median household income is higher than in 70% of U.S. residential ZIP codes, and it is denser than 69% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 65049?
The 2020 Census counted 7,260 people in 65049; the ACS, which samples households over 2020-2024, estimates 7,123. Between the 2010 and 2020 censuses its population grew 9.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 7,123
- 2020 Census count
- 7,260+9.7% since 2010 (6,618)
- Households
- 2,896
- Median age
- 48.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 65049?
Of the 7,123 people the ACS estimates in 65049, 19.0% are under 18 and 25.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (93.4%).
- Under 1819.0%
- 18 to 6455.9%
- 65 and older25.2%
- White, not Hispanic93.4%
- Hispanic or Latino2.8%
- Other or two or more2.4%
- Black, not Hispanic1.5%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 65049 earn?
Median household income is $86,453 (ACS 2020-2024), the 2nd highest of the 10 ranked ZIP codes in Camden County. It is not measurably different from 2015-2019 ($74,650 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $86,453±$10,143
- Income per person
- $47,347
- Below the poverty line
- 12.3%
- Unemployed (of the labor force)
- 6.6%
- Adults 25+ with a bachelor's degree
- 39.3%
- Adjusted gross income per tax return, 2022
- $94,4193,940 returns; wages 47% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 65049?
FHFA's house price index for 65049, built from repeat sales and appraisals of the same homes, rose 125% from 2015 to 2025 and rose 80% from 2020 to 2025, and moved +8.6% in 2025.
- Median home value (owners' estimate)
- $362,800
- Median gross rent
- $1,101
- Homes owned by their occupants
- 79.0%
- Housing units
- 8,132
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 65049?
319 business establishments had a location in this ZIP code in 2023, 21 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services48
- Real estate and rental and leasing46
- Retail trade43
- Construction36
- Professional, scientific, and technical services34
- Other services (except public administration)26
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 65049?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 65065 | Osage Beach | 7,197 | $61k | 4.7 mi |
| 65079 | Sunrise Beach | 4,385 | $70k | 5.2 mi |
| 65072 | Rocky Mount | 1,932 | $79k | 5.5 mi |
| 65047 | Kaiser | 1,445 | $54k | 6.2 mi |
| 65037 | Gravois Mills | 5,244 | $66k | 9.9 mi |
| 65026 | Eldon | 11,606 | $49k | 10.5 mi |
| 65052 | Linn Creek | 3,790 | $87k | 8.7 mi (near) |
| 65017 | Brumley | 1,183 | $40k | 12.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.