65786 ZIP Code — Macks Creek, MO

Camden County, Missouri

ZIP code 65786 is located in Macks Creek, Missouri, within Camden County. It covers approximately 109.89 square miles and serves a population of 1,716 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65786

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $172,900. Owner-occupancy is high at 86%, well above the national average.

Median household income is $52,167. 45% 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 29 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 (23%) compared to national benchmarks.

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

Overall, ZIP code 65786 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,716

population

109.89

sq mi land

Standard

ZIP type

Central (CT)

timezone

65786 ZIP code map

Cities in ZIP code 65786

Below are the cities the US Postal Service accepts for ZIP code 65786. Using any city not on this list may result in mail delivery delays.

City	Status
Macks Creek	Acceptable
Macks Creek	Preferred

Nearby ZIP codes

65787 Roach (5.7 mi) 65020 Camdenton (9.6 mi) 65324 Climax Springs (9.8 mi) 65764 Tunas (11.3 mi) 65732 Preston (11.4 mi) 65767 Urbana (13.3 mi) 65634 Cross Timbers (13.5 mi) 65463 Eldridge (16.6 mi) 65326 Edwards (16.8 mi) 65079 Sunrise Beach (17.1 mi) 65668 Hermitage (18.1 mi) 65052 Linn Creek (18.2 mi)

Demographics updated 05/2026

Population
Total population	1,716
Population density	16 / sq mi
State FIPS	29
County FIPS	029

Geography
Land area	109.89 sq mi
Water area	0.39 sq mi
Latitude	37.9863
Longitude	-92.9617
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	55.6%	45.3%	43.8%
$50k – $100k	33.8%	29.4%	31.5%
$100k – $200k	3.5%	19.6%	19.5%
Over $200k	7.1%	5.8%	5.2%

Demographics & statistics

1,716

Population

People per sq mi

41.9

Median age

$52,167

Median household income

$29,412

Per capita income

$172,900

Median home value

$636

Median monthly rent

86.4%

Home ownership

10.2%

Poverty rate

4.7%

Unemployment

925

Housing units

18.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

118

25–34

100

35–44

45–54

55–59

115

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	462	26.9%
18 and over	1,254	73.1%
65 and over	321	18.7%
Median age	41.9 years

Race & ethnicity

White 93.1%

Two or more races 5%

Asian 1.8%

Black or African American 0.1%

Group	Count	%
White	1,598	93.1%
Two or more races	85	5%
Asian	31	1.8%
Black or African American	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.6%	45.3%	43.8%
$50k – $100k	33.8%	29.4%	31.5%
$100k – $200k	3.5%	19.6%	19.5%
Over $200k	7.1%	5.8%	5.2%

Under $10k 5.6%

$15k–$25k 13.0%

$25k–$35k 15.6%

$35k–$50k 13.8%

$50k–$75k 19.2%

$75k–$100k 21.8%

$100k–$150k 4.8%

$150k–$200k 3.6%

$200k+ 2.8%

Range	% of households
Under $10k	5.6%
$15k–$25k	13.0%
$25k–$35k	15.6%
$35k–$50k	13.8%
$50k–$75k	19.2%
$75k–$100k	21.8%
$100k–$150k	4.8%
$150k–$200k	3.6%
$200k+	2.8%
Median income	$52,167

Housing

Home values

Under $50k 13.3%

$50k–$100k 10.4%

$100k–$150k 19.0%

$150k–$200k 13.1%

$200k–$300k 17.8%

$300k–$500k 22.6%

$500k–$1M 3.8%

Housing overview

Metric	Value
Median home value	$172,900
Median rent / month	$636
Owner occupied	86.4%
Renter occupied	13.6%
Vacant	39.5%
Single-family detached	77.0%
Large apartment buildings	2.3%
Mobile homes	16.3%
Median rooms	5.2
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	0.0%
2010–2019	6.9%
2000–2009	17.7%
1990–1999	16.8%
1980–1989	18.0%
1970–1979	19.8%
1960–1969	9.1%
1950–1959	4.3%
1940–1949	1.9%
1939 or earlier	5.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.5%
2 bedrooms	35.0%
3 bedrooms	52.8%
4 bedrooms	9.0%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.8%
1 vehicle	24.9%
2 vehicles	40.3%
3 or more	33.9%

Heating fuel

Fuel type	%
Utility gas	0.8%
Electricity	38.0%
Propane / LP gas	17.0%
Fuel oil	17.9%
Wood	26.2%

Households & families

Household type	Count	%
Married-couple family	400	65.6%
Cohabiting couple	30	4.9%
Male householder, no spouse	91	14.9%
Female householder, no spouse	89	14.6%
Households with children under 18	182	29.8%
Households with seniors (65+)	208	34.1%
Average household size	2.79

Marital status

Status	Male	Female
Never married	23.5%	15.3%
Married	61.4%	59.6%
Separated	0.0%	2.7%
Widowed	0.7%	12.1%
Divorced	14.4%	10.3%

Education

Less than 9th grade 3.9%

Some HS, no diploma 3.7%

HS graduate 40.2%

Some college, no degree 27.1%

Associate's degree 6.3%

Bachelor's degree 9.3%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	92.4%
Bachelor's or higher	18.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	74	18.8%
Kindergarten	19	4.8%
Elementary school	200	50.9%
High school	86	21.9%
College / grad school	14	3.6%

Employment

Industry of employment

Education & healthcare 26.5%

Arts, food & hospitality 13.3%

Transportation & utilities 13.2%

Construction 9.8%

Retail trade 9.7%

Finance & real estate 6.0%

Professional & management 5.9%

Other services 5.0%

Public administration 3.8%

Manufacturing 3.5%

Agriculture & mining 2.7%

Information 0.7%

Occupation

Category	%
Management, business & arts	43.1%
Service	12.9%
Sales & office	15.1%
Natural resources & construction	15.8%
Production & transportation	13.0%

Employment type

Type	%
Private sector	75.9%
Government	15.7%
Self-employed	7.4%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	75.2%
Carpool	17.2%
Public transit	0.0%
Walk	1.1%
Work from home	5.7%
Other means	0.7%
Avg commute (minutes)	29.2

Poverty

All people 10.2%

Under 18 years 22.1%

18 and over 6.1%

Married-couple families 0.5%

Female-led households 61.5%

Income support

Source	% of households
Social Security	45.2%
Retirement income	24.1%
Supplemental Security	10.3%
Cash public assistance	5.1%
Food stamps / SNAP	3.6%

Health indicators

Condition	%
Obesity	40.2%
High blood pressure	31.6%
High cholesterol	36.3%
Diabetes	11.1%
Heart disease	7.6%
Stroke	3.4%
Asthma	9.5%
Arthritis	29.1%
Kidney disease	3.1%
Pulmonary disease	9.4%
Cancer	7.0%

Behavior / access	%
Smoking	22.8%
Binge drinking	18.6%
No physical activity	27.0%
Less than 7 hrs sleep	32.9%
Depression	23.6%
Fair or poor health	17.3%
Poor mental health	15.9%
Poor physical health	12.7%
No health insurance	15.9%
Visited doctor (checkup)	74.1%
Visited dentist	56.4%
Cholesterol screening	87.9%
Teeth loss	18.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	141	11.2%

Disability	%
Any disability	18.1%
Under 18	1.6%
18–64 years	12.8%
65 and over	56.7%

Health insurance coverage

Type	%
Private insurance	74.6%
Public insurance	36.1%
No insurance	10.6%
Uninsured under 19	8.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,593	92.8%
Spanish	40	2.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	19	1.2%
Other languages	21	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,704	99.3%
Born in same state	1,669	97.3%
Born in different state	1,238	72.1%
Foreign born	35	2.0%
Naturalized citizen	12	0.7%
Not a US citizen	12	100.0%

Ancestry

Ancestry	Count	%
Arab	248	14.5%
French	162	9.4%

Ancestry	Count	%
Italian	150	8.7%
English	25	1.5%

Technology access

Metric	% of households
Computer access	35.5%
Internet access	90.5%

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

Frequently asked questions about ZIP code 65786

What city is ZIP code 65786 in?

ZIP code 65786 is primarily assigned to Macks Creek, Missouri.

What county is ZIP code 65786 in?

ZIP code 65786 falls within Camden County, Missouri.

Is ZIP code 65786 mostly owner-occupied?

86% of occupied units in ZIP code 65786 are owner-occupied, well above the national average.

Does ZIP code 65786 have a large retiree population?

45% of households in ZIP code 65786 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 65786 have a large veteran population?

11% of civilians in ZIP code 65786 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 65786?

The median home value in ZIP code 65786 is $172,900.

What timezone is ZIP code 65786 in?

ZIP code 65786 observes the CST timezone.