PlainZIP

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

The verdict

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.

ZIP code 65065 is classified by USPS as a standard delivery area and covers roughly 40.5 square miles in Osage Beach, Camden County, Missouri. The area is home to 6,414 residents, producing a population density of 158 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 65065 against Missouri and the nation.

On the economic side, the median household income for ZIP 65065 sits at $60,785 (9% below the Missouri average), while per-capita income is $40,223. The poverty rate stands at 11.9% and the unemployment rate at 2.9%. On housing, the median home value is $371,600 (94% above the state average) with median rent at $790 per month, and 67.4% of occupied units are owner-occupied, a direct signal of whether 65065 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.1% of adults hold a bachelor's degree or higher, the median age is 58.7, and the average commute is 20 minutes. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Camden County, so you can benchmark 65065 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 65065

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 65065.

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 65065, Osage Beach, 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

6,414

Population

40.5

Area (sq mi)

158

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 65065?

58.7

Median Age

49.7%

Male

50.3%

Female

6.3%

Foreign-Born

White 89.9%
African American 4.0%
Asian 0.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.8%
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?

$60,785

Median Household Income

-9% vs state

$40,223

Per Capita Income

11.9%

Poverty Rate

2.9%

Unemployment Rate

19.5 min

Mean Commute Time

How ZIP 65065 ranks nationally

Household income vs. every US ZIP code

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

$60,785 30th percentile higher than 30% 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 57.8%
Bachelor's Degree or Higher 27.1%

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

What does housing look like?

8,430

Total Housing Units

3,275

Occupied Units

5,155

Vacant Units

2.13

Avg Household Size

Occupancy Type

Owner 67.4%
Renter 32.6%

$371,600

Median Home Value

+94% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 65065 ranks #3 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 65065 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 65065 ranks #6 of 7 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
65049 Lake Ozark, MO 6,618 4.6 mi
65079 Sunrise Beach, MO 4,729 4.5 mi
65052 Linn Creek, MO 3,446 5.8 mi
65047 Kaiser, MO 1,351 5.6 mi
65072 Rocky Mount, MO 1,847 9.8 mi
65020 Camdenton, MO 14,286 10.7 mi

More ZIP Codes in Camden County

65020 standard
Camdenton, MO
Pop: 14,286
65049 standard
Lake Ozark, MO
Pop: 6,618
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 Osage Beach, MO Missouri

Frequently Asked Questions

What county is ZIP code 65065 in? ▼
ZIP code 65065 (Osage Beach) 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 65065? ▼
ZIP code 65065 in Osage Beach, MO has a population of 6,414 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65065? ▼
The median household income in ZIP 65065 is $60,785, which is 20% below the national average of $76,288.
What is the average home value in ZIP 65065? ▼
The median home value in ZIP 65065 is $371,600, which is 34% above the national average of $278,155.
What is the demographic makeup of ZIP 65065? ▼
The largest racial group in ZIP 65065 is White at 89.9%. Hispanic or Latino residents make up 5.7% of the population.
How many businesses are in ZIP code 65065? ▼
ZIP code 65065 has 651 business establishments employing approximately 7,951 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65065? ▼
The top industries by establishment count in ZIP 65065 are: Retail trade (138), Health care and social assistance (77), Accommodation and food services (73). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 65065? ▼
According to the FHFA House Price Index, home values in ZIP 65065 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 159%. 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 65065? ▼
In ZIP code 65065, 57.8% of residents aged 25+ have a high school diploma or higher, and 27.1% 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 65065? ▼
The mean commute time for workers in ZIP code 65065 is 19.5 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 65065? ▼
In ZIP code 65065, approximately 67.4% of occupied housing units are owner-occupied and 32.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65065? ▼
The poverty rate in ZIP code 65065 is 11.9% 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 Osage Beach, 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.