Osage Beach, MO · standard
ZIP Code 65065
Camden County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,414
- 158/sq mi
- $60,785
- Median income
- $371,600
- Median home value
- 27.1%
- Bachelor's or higher
National ZIP placement
Osage Beach pairs a below-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- 30th pct
- household income, US ZIPs
- Top 24%
- home value, US ZIPs
- 158
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65065 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 65065 (Osage Beach, MO) rose +7.7% from 2023 to 2024. The all-transactions index moved from 240.9 in 2023 to 259.5 in 2024 (2000 = 100).
ZIP code 65065 is a mid-sized community (a standard USPS delivery area) in Osage Beach, Camden County, Missouri, home to 6,414 residents across 40.5 square miles, a density of 158 people per square mile, in the Chicago time zone.
ZIP 65065 reports a modest median household income of $60,785 (9% below the average Missouri ZIP), while per-capita income is $40,223. The poverty rate is 11.9%, with unemployment at 2.9%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $371,600 (94% above the average Missouri ZIP), while 67.4% of occupied homes are owner-occupied and median rent is $790.
Educational attainment sits below the national norm: 27.1% of adults hold a bachelor's degree or higher, the median age is 58.7, and the average commute is 20 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Camden County, so 65065 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 65065
Top 5 sectors by establishment count in Osage Beach, MO
Which industries have the most business establishments in ZIP 65065.
- Retail trade
Retail trade
138 establishments
- Health care and social assistance
Health care and social assistance
77 establishments
- Accommodation and food services
Accommodation and food services
73 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
65 establishments
- Construction 51
Construction
51 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 65065, Osage Beach, 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
6,414
Population
40.5
Area (sq mi)
158
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 65065?
58.7
Median Age
49.7%
Male
50.3%
Female
6.3%
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?
$60,785
Median Household Income
-9% vs state ZIP avg
$40,223
Per Capita Income
11.9%
Poverty Rate
2.9%
Unemployment Rate
19.5 min
Mean Commute Time
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
8,430housing units
8,430
Total Housing Units
3,275
Occupied Units
5,155
Vacant Units
2.13
Avg Household Size
Occupancy Type
$371,600
Median Home Value
+94% vs state ZIP avg
$790
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
+7.7%
YoY Change (2024)
259
HPI Index (2000 = 100)
+159%
Total Change Since 2000
Home values in ZIP 65065 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +159% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.6% | 167 |
| 2021 | +15.6% | 193 |
| 2022 | +17.0% | 226 |
| 2023 | +6.4% | 241 |
| 2024 | +7.7% | 259 |
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 651 business establishments in ZIP 65065, employing approximately 7,951 people with a combined annual payroll of $367,685,000.
651
Businesses
7,951
Employees
$367.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 138 | 21.2% |
| Health care and social assistance | 77 | 11.8% |
| Accommodation and food services | 73 | 11.2% |
| Real estate and rental and leasing | 65 | 10.0% |
| Construction | 51 | 7.8% |
| Other services (except public administration) | 50 | 7.7% |
| Professional, scientific, and technical services | 44 | 6.8% |
| Finance and insurance | 38 | 5.8% |
| Administrative and support and waste management and remediation services | 32 | 4.9% |
| Arts, entertainment, and recreation | 28 | 4.3% |
| Wholesale trade | 17 | 2.6% |
| Manufacturing | 14 | 2.1% |
| Information | 9 | 1.4% |
| Transportation and warehousing | 7 | 1.1% |
| Educational services | 4 | 0.6% |
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 65065 vs 65049 →
ZIP 65065 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65020
Camdenton (65020)
14,286 residents
- 65049
Lake Ozark (65049)
6,618 residents
- 65065
Osage Beach (65065)
6,414 residents
- 65079 4,729
Sunrise Beach (65079)
4,729 residents
- 65052 3,446
Linn Creek (65052)
3,446 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 65065 ranks #3 by population - useful context the national average alone can't give.
ZIP 65065 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65052
Linn Creek (65052)
$87,125 median income
- 65049
Lake Ozark (65049)
$86,453 median income
- 65072
Rocky Mount (65072)
$78,750 median income
- 65079
Sunrise Beach (65079)
$70,024 median income
- 65020
Camdenton (65020)
$62,392 median income
- 65065
Osage Beach (65065)
$60,785 median income
- 65047
Kaiser (65047)
$53,750 median income
What this shows By household income, ZIP 65065 ranks #6 of 7 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 65065, 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 (6,414 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.