65020 ZIP Code — Camdenton, MO

Camden County, Missouri

ZIP code 65020 is located in Camdenton, Missouri, within Camden County. It covers approximately 123.72 square miles and serves a population of 14,963 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65020

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $231,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $56,466. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 65020 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

14,963

population

123.72

sq mi land

Standard

ZIP type

Central (CT)

timezone

65020 ZIP code map

Cities in ZIP code 65020

Below are the cities the US Postal Service accepts for ZIP code 65020. Using any city not on this list may result in mail delivery delays.

City	Status
Camdenton	Acceptable
Camdenton	Preferred

Nearby ZIP codes

65787 Roach (4.1 mi) 65079 Sunrise Beach (8.3 mi) 65052 Linn Creek (8.8 mi) 65065 Osage Beach (8.9 mi) 65786 Macks Creek (9.6 mi) 65324 Climax Springs (10.2 mi) 65049 Lake Ozark (13.4 mi) 65591 Montreal (15.2 mi) 65037 Gravois Mills (15.3 mi) 65463 Eldridge (15.8 mi) 65072 Rocky Mount (15.9 mi) 65047 Kaiser (16.3 mi)

Demographics updated 05/2026

Population
Total population	14,963
Population density	121 / sq mi
State FIPS	29
County FIPS	029

Geography
Land area	123.72 sq mi
Water area	10.48 sq mi
Latitude	38.0455
Longitude	-92.8027
Timezone	Central (CT)
Area code	573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.7%	45.3%	43.8%
$50k – $100k	27.4%	29.4%	31.5%
$100k – $200k	23.6%	19.6%	19.5%
Over $200k	3.4%	5.8%	5.2%

Demographics & statistics

14,963

Population

121

People per sq mi

48.9

Median age

$56,466

Median household income

$29,747

Per capita income

$231,000

Median home value

$806

Median monthly rent

78.6%

Home ownership

15.2%

Poverty rate

2.9%

Unemployment

8,851

Housing units

18.5%

Bachelor's or higher

Age distribution

Male Female

350

Under 5

396

451

5–9

512

345

10–14

392

414

15–19

470

334

20–24

379

718

25–34

813

646

35–44

732

897

45–54

1,017

683

55–59

774

608

60–64

689

1,044

65–74

1,183

430

75–84

487

85+

106

← Male

Female →

Age summary

Group	Count	%
Under 18	2,892	19.3%
18 and over	12,071	80.7%
65 and over	3,343	22.3%
Median age	48.9 years

Race & ethnicity

White 91.7%

Hispanic or Latino 2.7%

Two or more races 2.5%

Other race 1.3%

Black or African American 0.9%

Asian 0.6%

American Indian / Alaska Native 0.3%

Group	Count	%
White	14,103	91.7%
Hispanic or Latino	411	2.7%
Two or more races	381	2.5%
Other race	204	1.3%
Black or African American	142	0.9%
Asian	87	0.6%
American Indian / Alaska Native	46	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.7%	45.3%	43.8%
$50k – $100k	27.4%	29.4%	31.5%
$100k – $200k	23.6%	19.6%	19.5%
Over $200k	3.4%	5.8%	5.2%

Under $10k 5.9%

$10k–$15k 6.0%

$15k–$25k 6.8%

$25k–$35k 8.7%

$35k–$50k 17.5%

$50k–$75k 16.7%

$75k–$100k 12.3%

$100k–$150k 14.5%

$150k–$200k 7.9%

$200k+ 3.7%

Range	% of households
Under $10k	5.9%
$10k–$15k	6.0%
$15k–$25k	6.8%
$25k–$35k	8.7%
$35k–$50k	17.5%
$50k–$75k	16.7%
$75k–$100k	12.3%
$100k–$150k	14.5%
$150k–$200k	7.9%
$200k+	3.7%
Median income	$56,466

Housing

Home values

Under $50k 5.2%

$50k–$100k 6.9%

$100k–$150k 11.4%

$150k–$200k 18.4%

$200k–$300k 24.8%

$300k–$500k 20.7%

$500k–$1M 11.8%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$231,000
Median rent / month	$806
Owner occupied	78.6%
Renter occupied	21.4%
Vacant	47.3%
Single-family detached	65.6%
Large apartment buildings	5.6%
Mobile homes	5.9%
Median rooms	5.3
Avg household size (owned)	2.81

Year built

Era	%
2020 or later	0.2%
2010–2019	4.2%
2000–2009	21.8%
1990–1999	21.9%
1980–1989	26.9%
1970–1979	15.2%
1960–1969	4.0%
1950–1959	2.6%
1940–1949	1.4%
1939 or earlier	1.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	4.9%
2 bedrooms	26.0%
3 bedrooms	51.3%
4 bedrooms	14.3%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	32.4%
2 vehicles	40.5%
3 or more	24.3%

Heating fuel

Fuel type	%
Utility gas	5.9%
Electricity	77.9%
Propane / LP gas	10.4%
Fuel oil	2.2%
Wood	3.0%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	3,119	59.4%
Cohabiting couple	255	4.9%
Male householder, no spouse	697	13.3%
Female householder, no spouse	1,183	22.5%
Households with children under 18	1,268	24.1%
Households with seniors (65+)	2,122	40.4%
Average household size	2.81

Marital status

Status	Male	Female
Never married	29.1%	23.2%
Married	55.6%	48.6%
Separated	1.6%	2.1%
Widowed	4.0%	9.6%
Divorced	9.9%	16.5%

Education

Less than 9th grade 1.7%

Some HS, no diploma 7.2%

HS graduate 38.1%

Some college, no degree 25.3%

Associate's degree 9.2%

Bachelor's degree 12.3%

Graduate / professional 6.1%

Metric	%
HS diploma or higher	91.1%
Bachelor's or higher	18.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	144	5.3%
Kindergarten	126	4.6%
Elementary school	1,271	46.6%
High school	648	23.8%
College / grad school	539	19.8%

Employment

Industry of employment

Education & healthcare 27.4%

Retail trade 19.7%

Arts, food & hospitality 9.6%

Professional & management 8.1%

Manufacturing 7.5%

Construction 7.3%

Finance & real estate 6.1%

Transportation & utilities 5.8%

Other services 3.7%

Public administration 1.7%

Agriculture & mining 1.6%

Information 1.4%

Wholesale trade 0.2%

Occupation

Category	%
Management, business & arts	29.9%
Service	21.0%
Sales & office	23.1%
Natural resources & construction	9.7%
Production & transportation	16.3%

Employment type

Type	%
Private sector	80.8%
Government	12.7%
Self-employed	6.1%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	79.3%
Carpool	11.3%
Public transit	0.8%
Walk	1.4%
Work from home	4.6%
Other means	2.7%
Avg commute (minutes)	21.4

Poverty

All people 15.2%

Under 18 years 27.2%

18 and over 12.3%

Married-couple families 7.9%

Female-led households 21.3%

Income support

Source	% of households
Social Security	41.0%
Retirement income	34.6%
Supplemental Security	9.4%
Cash public assistance	3.9%
Food stamps / SNAP	12.0%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	33.2%
High cholesterol	37.1%
Diabetes	11.8%
Heart disease	8.3%
Stroke	3.7%
Asthma	9.4%
Arthritis	31.0%
Kidney disease	3.3%
Pulmonary disease	9.7%
Cancer	7.9%

Behavior / access	%
Smoking	21.3%
Binge drinking	17.7%
No physical activity	26.8%
Less than 7 hrs sleep	32.0%
Depression	23.1%
Fair or poor health	17.4%
Poor mental health	15.2%
Poor physical health	12.8%
No health insurance	15.3%
Visited doctor (checkup)	75.4%
Visited dentist	57.8%
Cholesterol screening	89.1%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	969	8.0%

Disability	%
Any disability	18.1%
Under 18	4.9%
18–64 years	14.2%
65 and over	39.9%

Health insurance coverage

Type	%
Private insurance	58.5%
Public insurance	41.7%
No insurance	15.2%
Uninsured under 19	8.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,217	95.0%
Spanish	185	1.3%
Other Indo-European	152	1.1%
Asian & Pacific Islander	33	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,596	97.5%
Born in same state	14,472	96.7%
Born in different state	8,129	54.3%
Foreign born	124	0.8%
Naturalized citizen	367	2.5%
Not a US citizen	169	46.0%

Ancestry

Ancestry	Count	%
Arab	2,761	18.5%
Italian	1,798	12%
French	1,577	10.5%
English	182	1.2%

Ancestry	Count	%
Dutch	157	1%
Polish	87	0.6%
Norwegian	61	0.4%
German	30	0.2%

Technology access

Metric	% of households
Computer access	35.1%
Internet access	94.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 65020

What city is ZIP code 65020 in?

ZIP code 65020 is primarily assigned to Camdenton, Missouri.

What county is ZIP code 65020 in?

ZIP code 65020 falls within Camden County, Missouri.

Does ZIP code 65020 have a large retiree population?

41% of households in ZIP code 65020 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 65020?

15% of residents in ZIP code 65020 live below the poverty line, above the national average.

What is the population of ZIP code 65020?

ZIP code 65020 has an estimated population of 14,963 residents, with a density of 121 people per square mile.

What is the median household income in ZIP code 65020?

The median household income in ZIP code 65020 is $56,466, below the national median of ~$75,000.

What timezone is ZIP code 65020 in?

ZIP code 65020 observes the CST timezone.