65049 ZIP Code — Lake Ozark, MO

Camden County, Missouri

ZIP code 65049 is located in Lake Ozark, Missouri, within Camden County. It covers approximately 18.53 square miles and serves a population of 6,992 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65049

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 $322,100. Owner-occupancy is high at 78%, well above the national average.

Median household income is $80,564. 39% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 65049 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

6,992

population

18.53

sq mi land

Standard

ZIP type

Central (CT)

timezone

65049 ZIP code map

Cities in ZIP code 65049

Below are the cities the US Postal Service accepts for ZIP code 65049. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Ozark	Acceptable
Lake Ozark	Preferred

Nearby ZIP codes

65079 Sunrise Beach (5.1 mi) 65072 Rocky Mount (5.2 mi) 65065 Osage Beach (6.1 mi) 65047 Kaiser (6.3 mi) 65026 Eldon (10.3 mi) 65052 Linn Creek (10.4 mi) 65037 Gravois Mills (10.6 mi) 65017 Brumley (12 mi) 65011 Barnett (12.7 mi) 65082 Tuscumbia (13 mi) 65020 Camdenton (13.4 mi) 65083 Ulman (13.6 mi)

Demographics updated 05/2026

Population
Total population	6,992
Population density	377 / sq mi
State FIPS	29
County FIPS	029

Geography
Land area	18.53 sq mi
Water area	9.69 sq mi
Latitude	38.2100
Longitude	-92.6717
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	36.4%	45.3%	43.8%
$50k – $100k	32.6%	29.4%	31.5%
$100k – $200k	23.9%	19.6%	19.5%
Over $200k	7.0%	5.8%	5.2%

Demographics & statistics

6,992

Population

377

People per sq mi

50.0

Median age

$80,564

Median household income

$46,515

Per capita income

$322,100

Median home value

$924

Median monthly rent

77.8%

Home ownership

12.3%

Poverty rate

4.3%

Unemployment

7,537

Housing units

39.5%

Bachelor's or higher

Age distribution

Male Female

203

Under 5

205

128

5–9

129

166

10–14

167

237

15–19

239

143

20–24

144

411

25–34

414

278

35–44

281

351

45–54

354

346

55–59

349

263

60–64

266

615

65–74

621

295

75–84

297

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,376	19.7%
18 and over	5,616	80.3%
65 and over	1,918	27.4%
Median age	50.0 years

Race & ethnicity

White 94.5%

Black or African American 3%

Two or more races 1%

Hispanic or Latino 0.8%

Other race 0.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	6,659	94.5%
Black or African American	209	3%
Two or more races	71	1%
Hispanic or Latino	57	0.8%
Other race	49	0.7%
American Indian / Alaska Native	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.4%	45.3%	43.8%
$50k – $100k	32.6%	29.4%	31.5%
$100k – $200k	23.9%	19.6%	19.5%
Over $200k	7.0%	5.8%	5.2%

Under $10k 2.3%

$10k–$15k 3.0%

$15k–$25k 7.7%

$25k–$35k 4.6%

$35k–$50k 11.1%

$50k–$75k 17.7%

$75k–$100k 14.7%

$100k–$150k 22.9%

$150k–$200k 7.2%

$200k+ 8.9%

Range	% of households
Under $10k	2.3%
$10k–$15k	3.0%
$15k–$25k	7.7%
$25k–$35k	4.6%
$35k–$50k	11.1%
$50k–$75k	17.7%
$75k–$100k	14.7%
$100k–$150k	22.9%
$150k–$200k	7.2%
$200k+	8.9%
Median income	$80,564

Housing

Home values

Under $50k 2.3%

$50k–$100k 4.2%

$100k–$150k 9.8%

$150k–$200k 11.0%

$200k–$300k 18.3%

$300k–$500k 31.5%

$500k–$1M 20.4%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$322,100
Median rent / month	$924
Owner occupied	77.8%
Renter occupied	22.2%
Vacant	63.4%
Single-family detached	47.9%
Large apartment buildings	6.9%
Mobile homes	0.2%
Median rooms	5.2
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.2%
2010–2019	4.5%
2000–2009	14.9%
1990–1999	15.0%
1980–1989	41.4%
1970–1979	19.6%
1960–1969	2.1%
1950–1959	1.7%
1940–1949	0.2%
1939 or earlier	0.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	2.5%
2 bedrooms	32.2%
3 bedrooms	46.4%
4 bedrooms	13.2%
5+ bedrooms	5.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	28.4%
2 vehicles	48.8%
3 or more	19.1%

Heating fuel

Fuel type	%
Utility gas	4.9%
Electricity	87.0%
Propane / LP gas	5.9%
Fuel oil	0.2%
Wood	0.9%
Solar	0.2%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	1,605	53.4%
Cohabiting couple	309	10.3%
Male householder, no spouse	409	13.6%
Female householder, no spouse	683	22.7%
Households with children under 18	607	20.2%
Households with seniors (65+)	1,149	38.2%
Average household size	2.27

Marital status

Status	Male	Female
Never married	25.1%	19.5%
Married	54.4%	57.5%
Separated	0.4%	1.3%
Widowed	3.4%	12.4%
Divorced	16.7%	9.2%

Education

Less than 9th grade 0.4%

Some HS, no diploma 4.4%

HS graduate 24.6%

Some college, no degree 17.5%

Associate's degree 13.6%

Bachelor's degree 27.1%

Graduate / professional 12.4%

Metric	%
HS diploma or higher	95.3%
Bachelor's or higher	39.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	118	8.7%
Kindergarten	68	5.0%
Elementary school	541	40.1%
High school	430	31.9%
College / grad school	193	14.3%

Employment

Industry of employment

Education & healthcare 20.7%

Finance & real estate 15.2%

Retail trade 14.2%

Arts, food & hospitality 11.6%

Professional & management 10.9%

Construction 8.9%

Manufacturing 6.6%

Public administration 4.4%

Other services 2.9%

Information 1.9%

Transportation & utilities 1.7%

Wholesale trade 0.7%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	41.9%
Service	14.8%
Sales & office	26.8%
Natural resources & construction	8.2%
Production & transportation	8.4%

Employment type

Type	%
Private sector	85.0%
Government	9.2%
Self-employed	5.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	5.0%
Public transit	0.0%
Walk	0.8%
Work from home	11.2%
Other means	2.2%
Avg commute (minutes)	23.1

Poverty

All people 12.3%

Under 18 years 17.2%

18 and over 11.2%

Married-couple families 5.8%

Female-led households 27.1%

Income support

Source	% of households
Social Security	39.0%
Retirement income	26.8%
Supplemental Security	4.3%
Cash public assistance	2.3%
Food stamps / SNAP	7.2%

Health indicators

Condition	%
Obesity	37.7%
High blood pressure	33.3%
High cholesterol	37.7%
Diabetes	11.5%
Heart disease	8.0%
Stroke	3.4%
Asthma	9.1%
Arthritis	31.1%
Kidney disease	3.2%
Pulmonary disease	8.6%
Cancer	8.3%

Behavior / access	%
Smoking	17.9%
Binge drinking	16.9%
No physical activity	23.4%
Less than 7 hrs sleep	31.3%
Depression	22.4%
Fair or poor health	15.1%
Poor mental health	13.9%
Poor physical health	11.6%
No health insurance	12.7%
Visited doctor (checkup)	76.6%
Visited dentist	63.0%
Cholesterol screening	91.2%
Teeth loss	13.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	643	11.4%

Disability	%
Any disability	13.6%
Under 18	3.0%
18–64 years	14.3%
65 and over	19.1%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	41.3%
No insurance	8.6%
Uninsured under 19	3.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,584	94.2%
Spanish	15	0.2%
Other Indo-European	15	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,953	99.4%
Born in same state	6,915	98.9%
Born in different state	4,129	59.1%
Foreign born	38	0.5%
Naturalized citizen	39	0.6%
Not a US citizen	16	41.0%

Ancestry

Ancestry	Count	%
Arab	1,028	14.7%
Italian	934	13.4%
French	803	11.5%
English	162	2.3%

Ancestry	Count	%
Dutch	65	0.9%
Polish	64	0.9%
Norwegian	18	0.3%
German	11	0.2%

Technology access

Metric	% of households
Computer access	43.0%
Internet access	96.1%

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

Frequently asked questions about ZIP code 65049

What city is ZIP code 65049 in?

ZIP code 65049 is primarily assigned to Lake Ozark, Missouri.

What county is ZIP code 65049 in?

ZIP code 65049 falls within Camden County, Missouri.

Does ZIP code 65049 have an older population?

27% of residents in ZIP code 65049 are 65 or older, above the national average of ~17%.

Does ZIP code 65049 have a large retiree population?

39% of households in ZIP code 65049 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 65049 have a large veteran population?

11% of civilians in ZIP code 65049 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 65049?

The median home value in ZIP code 65049 is $322,100.

What timezone is ZIP code 65049 in?

ZIP code 65049 observes the CST timezone.