Zip code 65049: Lake Ozark, Missouri

Q: What city is zip code 65049?

65049 is assigned to Lake Ozark, Missouri. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 65049 in?

65049 is mostly in Camden County, but it extends into 1 other county.

Q: What is the population of 65049?

About 7,123 people live in 65049, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 65049?

The median household income in 65049 is $86,453.

Q: What zip codes are near 65049?

The closest zip codes to 65049 are 65065, 65079, 65072, 65047, 65038.

Residential delivery areaCamden CountyCentral Time

Population

7,123

Median household income

$86K

U.S. $81K

Median home value

$363K

U.S. $333K

Median rent

$1,101/mo

U.S. $1,413

Median age

48.4

U.S. 38.9

Land area

19 sq mi

384 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 65049

65049 is a small-town zip code in Lake Ozark, Missouri (Camden County), covering 19 sq mi of land. About 7,123 people live here, or 384 per square mile. The median resident is 48.4 years old, compared with 38.9 nationally.

The median household earns $86,453 a year, close to the national median of $80,734. 12.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $362,800, or 4.2 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 79% of occupied homes are lived in by their owners, and renters pay a median of $1,101 a month.

39% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.1 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in sales, management and education. 17% of them are self-employed (U.S.: 10%).

How 65049 compares

Sorted from highest to lowest national percentile

Housing vacancy64.4%
99th
U.S. 10.1% · MO 11.2%5th of 966 in MO
Self-employed workers17.4%
95th
U.S. 10% · MO 9%187th of 967 in MO
Median age48.4
93rd
U.S. 38.9 · MO 39217th of 968 in MO
Residents 65 and older25.2%
92nd
U.S. 17.2% · MO 17.9%214th of 968 in MO
Veterans9.1%
85th
U.S. 6.2% · MO 7.3%293rd of 968 in MO
Homeownership rate79%
76th
U.S. 65.2% · MO 68.1%488th of 966 in MO
Unemployment rate6.6%
75th
U.S. 5.2% · MO 4%164th of 967 in MO
Per capita income$47,347
67th
U.S. $44,673 · MO $39,69598th of 968 in MO
Bachelor's degree or higher39.3%
64th
U.S. 35.7% · MO 32.4%102nd of 965 in MO
Broadband access93.7%
64th
U.S. 91% · MO 89.3%131st of 966 in MO
Uninsured rate8.6%
63rd
U.S. 8.4% · MO 8.8%501st of 968 in MO
Median household income$86,453
58th
U.S. $80,734 · MO $70,702153rd of 934 in MO
Poverty rate12.3%
57th
U.S. 12.5% · MO 12.6%485th of 966 in MO
Median home value$362,800
56th
U.S. $332,700 · MO $230,30051st of 917 in MO
Tech workers3.2%
56th
U.S. 3.8% · MO 3.4%183rd of 967 in MO
Work from home12.6%
49th
U.S. 15.1% · MO 13%288th of 967 in MO
Median earnings per worker$47,833
49th
U.S. $49,666 · MO $45,780247th of 960 in MO
Income inequality (Gini)0.434
49th
U.S. 0.483 · MO 0.465341st of 964 in MO
Average commute24.1 min
37th
U.S. 26.4 min · MO 23.5 min577th of 934 in MO
Population density384/sq mi
29th
U.S. 95/sq mi · MO 90/sq mi185th of 968 in MO
Median gross rent$1,101
29th
U.S. $1,413 · MO $1,033146th of 783 in MO
Government workers10.8%
25th
U.S. 14.5% · MO 13.2%618th of 967 in MO
Residents under 1819%
24th
U.S. 22% · MO 22.3%689th of 968 in MO
Population7,123
11th
U.S. 334,922,499 · MO 6,191,814239th of 968 in MO
Rent-burdened renters34.9%
8th
StrengthU.S. 51.1% · MO 45.6%521st of 908 in MO
Diversity index12.6
6th
U.S. 61.4 · MO 40.1621st of 968 in MO
Foreign-born residents0.8%
5th
U.S. 14.1% · MO 4.5%492nd of 968 in MO
Healthcare workers5.4%
5th
U.S. 9.7% · MO 10.4%761st of 967 in MO

Measure	65049	Camden	MO	U.S.	National percentile	Rank in MO
Housing vacancy	64.4%	55.3%	11.2%	10.1%	99th	5th of 966
Self-employed workers	17.4%	13.8%	9%	10%	95th	187th of 967
Median age	48.4	53.2	39	38.9	93rd	217th of 968
Residents 65 and older	25.2%	29.7%	17.9%	17.2%	92nd	214th of 968
Veterans	9.1%	9.4%	7.3%	6.2%	85th	293rd of 968
Homeownership rate	79%	82.5%	68.1%	65.2%	76th	488th of 966
Unemployment rate	6.6%	4.3%	4%	5.2%	75th	164th of 967
Per capita income	$47,347	$39,610	$39,695	$44,673	67th	98th of 968
Bachelor's degree or higher	39.3%	26.2%	32.4%	35.7%	64th	102nd of 965
Broadband access	93.7%	86.6%	89.3%	91%	64th	131st of 966
Uninsured rate	8.6%	10.4%	8.8%	8.4%	63rd	501st of 968
Median household income	$86,453	$66,387	$70,702	$80,734	58th	153rd of 934
Poverty rate	12.3%	12.6%	12.6%	12.5%	57th	485th of 966
Median home value	$362,800	$305,400	$230,300	$332,700	56th	51st of 917
Tech workers	3.2%	1.6%	3.4%	3.8%	56th	183rd of 967
Work from home	12.6%	10.5%	13%	15.1%	49th	288th of 967
Median earnings per worker	$47,833	$39,574	$45,780	$49,666	49th	247th of 960
Income inequality (Gini)	0.434	0.465	0.465	0.483	49th	341st of 964
Average commute	24.1 min	22.1 min	23.5 min	26.4 min	37th	577th of 934
Population density	384/sq mi	67/sq mi	90/sq mi	95/sq mi	29th	185th of 968
Median gross rent	$1,101	$876	$1,033	$1,413	29th	146th of 783
Government workers	10.8%	10.7%	13.2%	14.5%	25th	618th of 967
Residents under 18	19%	17.2%	22.3%	22%	24th	689th of 968
Population	7,123	43,667	6,191,814	334,922,499	11th	239th of 968
Rent-burdened rentersStrength	34.9%	39.8%	45.6%	51.1%	8th	521st of 908
Diversity index	12.6	14.9	40.1	61.4	6th	621st of 968
Foreign-born residents	0.8%	2.2%	4.5%	14.1%	5th	492nd of 968
Healthcare workers	5.4%	9.7%	10.4%	9.7%	5th	761st of 967

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

13%

25–34

35–44

10%

45–54

18%

55–64

17%

65–74

75+

Median age

48.4

Under 18

19%

65 and over

25.2%

Race and ethnicity

White93%
Black1%
Hispanic3%
Asian0%
Native American0.0%
Pacific Islander0%
Other0.2%
Multiracial2%

Diversity index

12.6

U.S. 61.4

Foreign-born

0.8%

U.S. 14.1%

Born in state

56.5%

Language spoken at home (households)

English only

94%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 2,896
Average household size: 2.4
Family households: 59.4%
Married couples: 52.8%
Living alone: 29.1%
Veterans (of adults): 9.1%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

15%

$50–75k

20%

$75–100k

13%

$100–150k

19%

$150–200k

14%

$200k+

Median household income

65049

$86,453

Camden Co.

$66,387

Missouri

$70,702

United States

$80,734

Per capita income

$47,347

U.S. $44,673

Poverty rate

12.3%

U.S. 12.5%

Households earning $150K+

22.9%

U.S. 23%

Income inequality (Gini)

0.434

U.S. 0.483

Housing

Median home value

65049

$362,800

Camden Co.

$305,400

Missouri

$230,300

United States

$332,700

Median gross rent

65049

$1,101

Camden Co.

$876

Missouri

$1,033

United States

$1,413

Types of housing

Single-family

51%

2–4 units

5–19 units

37%

20+ units

Mobile home

0.4%

Boat, RV, van

Housing units: 8,132
Owner-occupied: 79%
Vacant: 64.4%
Median year built: 1988
Median rooms: 5.2
Renters paying 30%+ of income: 34.9%
Renters paying 50%+ of income: 16.7%
Home value to income: 4.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

76%

Carpooled

Transit

Walked

0.4%

Bicycle

Worked from home

13%

Other

Commute time (one way)

<10 min

17%

10–19

30%

20–29

21%

30–44

15%

45–59

10%

60+

Average commute

24.1 min

U.S. 26.4 min

Unemployment

6.6%

U.S. 5.2%

In labor force

59.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

18%

Management

17%

Education

Office and admin

Cleaning and personal care

Construction and repair

Healthcare

Business and finance

Food service

Transportation and moving

Production

Computer and math

Legal and social services

Arts, media and sports

Police and fire

Engineering and science

Farming, fishing and forestry

Industries

Health care and social assistance

16%

Finance, insurance and real estate

15%

Retail

12%

Construction

Education

Restaurants and hotels

Manufacturing

Arts and recreation

Professional and technical services

Public administration

Admin, support and management

Other services

Wholesale

Information

Transportation, warehousing and utilities

Agriculture and mining

0.5%

Median earnings per worker

$47,833

U.S. $49,666

Self-employed

17.4%

U.S. 10%

Government workers

10.8%

U.S. 14.5%

Nonprofit workers

7.8%

U.S. 8.8%

Median earnings by type of work

Type of work	65049	U.S.
Management, business, science and arts	$61,635	$74,888
Service	$24,500	$26,804
Sales and office	$51,528	$40,476
Construction and maintenance	$46,964	$49,199
Production and transportation	$47,500	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

27%

Some college

19%

Associate's

10%

Bachelor's

27%

Graduate

13%

High school graduate or higher: 95.1%
Bachelor's degree or higher: 39.3%
Graduate or professional degree: 12.7%
Households with broadband: 93.7%
Cable, fiber or DSL: 81.5%
No internet access: 3.5%
Without health insurance: 8.6%
Limited-English households: 0.3%

Geography

City (USPS): Lake Ozark
State: Missouri
County: Camden County
Center point: 38.2000° N, 92.6745° W
Land area: 19 sq mi
Water area: 9.7 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

65049 spans 2 counties

Camden County50% of land
Miller County50% of land

Cities and towns within this zip

Lake Ozark39% of zip
Village of Four Seasons25% of zip
Lakeside2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 65049

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
65065	Osage Beach, MO	4.7 mi	7,197	$60,785	$371,600
65079	Sunrise Beach, MO	5.2 mi	4,385	$70,024	$394,800
65072	Rocky Mount, MO	5.5 mi	1,932	$78,750	$335,700
65047	Kaiser, MO	6.2 mi	1,445	$53,750	$264,600
65038	Laurie, MO · PO box	8.6 mi	—	—	—
65052	Linn Creek, MO	8.7 mi	3,790	$87,125	$350,700
65037	Gravois Mills, MO	9.9 mi	5,244	$66,360	$284,100
65026	Eldon, MO	11 mi	11,606	$48,824	$190,500
65017	Brumley, MO	12 mi	1,183	$39,457	$165,000
65083	Ulman, MO	13 mi	278	—	—
65082	Tuscumbia, MO	14 mi	1,165	$60,260	$168,300
65011	Barnett, MO	14 mi	2,365	$40,990	$147,100

Zip codes like 65049 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 65049

What city is zip code 65049?

65049 is assigned to Lake Ozark, Missouri. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 65049 in?

65049 is mostly in Camden County, but it extends into 1 other county.

What is the population of 65049?

About 7,123 people live in 65049, according to the Census Bureau's American Community Survey.

What time zone is 65049 in?

65049 is in Central Time.

What is the median household income in 65049?

The median household income in 65049 is $86,453.

What zip codes are near 65049?

The closest zip codes to 65049 are 65065, 65079, 65072, 65047, 65038.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 65049, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.