65065 ZIP Code — Osage Beach, MO

Camden County, Missouri

ZIP code 65065 is located in Osage Beach, Missouri, within Camden County. It covers approximately 16.52 square miles and serves a population of 6,841 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65065

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 $284,600. Owner-occupancy sits near the national average at 66%.

Median household income is $58,464. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks. 16% of residents lack health insurance, above the national average.

6,841

population

16.52

sq mi land

Standard

ZIP type

Central (CT)

timezone

65065 ZIP code map

Cities in ZIP code 65065

Below are the cities the US Postal Service accepts for ZIP code 65065. Using any city not on this list may result in mail delivery delays.

City	Status
Osage Beach	Preferred

Nearby ZIP codes

65079 Sunrise Beach (3.5 mi) 65052 Linn Creek (4.4 mi) 65049 Lake Ozark (6.1 mi) 65047 Kaiser (7.4 mi) 65020 Camdenton (8.9 mi) 65017 Brumley (9.6 mi) 65072 Rocky Mount (10.6 mi) 65083 Ulman (12.3 mi) 65591 Montreal (12.7 mi) 65787 Roach (13 mi) 65037 Gravois Mills (14 mi) 65082 Tuscumbia (15 mi)

Demographics updated 05/2026

Population
Total population	6,841
Population density	414 / sq mi
State FIPS	29
County FIPS	029

Geography
Land area	16.52 sq mi
Water area	5.55 sq mi
Latitude	38.1218
Longitude	-92.6713
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	46.4%	45.3%	43.8%
$50k – $100k	29.8%	29.4%	31.5%
$100k – $200k	16.2%	19.6%	19.5%
Over $200k	7.6%	5.8%	5.2%

Demographics & statistics

6,841

Population

414

People per sq mi

50.0

Median age

$58,464

Median household income

$33,276

Per capita income

$284,600

Median home value

$787

Median monthly rent

66.1%

Home ownership

15.7%

Poverty rate

8.6%

Unemployment

7,090

Housing units

23.8%

Bachelor's or higher

Age distribution

Male Female

147

Under 5

136

112

5–9

105

209

10–14

194

180

15–19

167

199

20–24

185

348

25–34

323

431

35–44

401

306

45–54

284

292

55–59

272

289

60–64

269

569

65–74

528

369

75–84

342

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,183	17.3%
18 and over	5,658	82.7%
65 and over	1,992	29.1%
Median age	50.0 years

Race & ethnicity

White 91.4%

Two or more races 2.3%

Hispanic or Latino 2.2%

Other race 1.8%

Black or African American 1.8%

American Indian / Alaska Native 0.6%

Group	Count	%
White	6,393	91.4%
Two or more races	161	2.3%
Hispanic or Latino	154	2.2%
Other race	124	1.8%
Black or African American	123	1.8%
American Indian / Alaska Native	40	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.4%	45.3%	43.8%
$50k – $100k	29.8%	29.4%	31.5%
$100k – $200k	16.2%	19.6%	19.5%
Over $200k	7.6%	5.8%	5.2%

Under $10k 5.2%

$10k–$15k 3.7%

$15k–$25k 8.9%

$25k–$35k 9.9%

$35k–$50k 15.5%

$50k–$75k 17.6%

$75k–$100k 13.4%

$100k–$150k 11.3%

$150k–$200k 5.0%

$200k+ 9.4%

Range	% of households
Under $10k	5.2%
$10k–$15k	3.7%
$15k–$25k	8.9%
$25k–$35k	9.9%
$35k–$50k	15.5%
$50k–$75k	17.6%
$75k–$100k	13.4%
$100k–$150k	11.3%
$150k–$200k	5.0%
$200k+	9.4%
Median income	$58,464

Housing

Home values

Under $50k 3.3%

$50k–$100k 10.1%

$100k–$150k 5.9%

$150k–$200k 7.9%

$200k–$300k 26.6%

$300k–$500k 27.0%

$500k–$1M 18.1%

$1M+ 1.2%

Housing overview

Metric	Value
Median home value	$284,600
Median rent / month	$787
Owner occupied	66.1%
Renter occupied	33.9%
Vacant	67.4%
Single-family detached	42.0%
Large apartment buildings	14.8%
Mobile homes	1.6%
Median rooms	5.1
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.6%
2010–2019	2.5%
2000–2009	10.9%
1990–1999	20.1%
1980–1989	35.7%
1970–1979	23.1%
1960–1969	4.1%
1950–1959	1.4%
1940–1949	1.1%
1939 or earlier	0.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	4.3%
2 bedrooms	27.2%
3 bedrooms	55.0%
4 bedrooms	8.7%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.1%
1 vehicle	33.0%
2 vehicles	42.7%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	5.5%
Electricity	88.5%
Propane / LP gas	5.4%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	1,372	52.9%
Cohabiting couple	116	4.5%
Male householder, no spouse	516	19.9%
Female householder, no spouse	591	22.8%
Households with children under 18	512	19.7%
Households with seniors (65+)	1,264	48.7%
Average household size	2.55

Marital status

Status	Male	Female
Never married	37.9%	25.0%
Married	48.6%	46.4%
Separated	0.0%	1.7%
Widowed	2.5%	13.5%
Divorced	11.1%	13.4%

Education

Less than 9th grade 3.6%

Some HS, no diploma 8.6%

HS graduate 31.6%

Some college, no degree 25.9%

Associate's degree 6.6%

Bachelor's degree 14.6%

Graduate / professional 9.2%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	23.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	41	3.8%
Kindergarten	31	2.9%
Elementary school	502	46.6%
High school	395	36.6%
College / grad school	109	10.1%

Employment

Industry of employment

Retail trade 22.4%

Education & healthcare 15.5%

Arts, food & hospitality 14.7%

Construction 8.8%

Finance & real estate 8.7%

Professional & management 8.2%

Manufacturing 6.8%

Transportation & utilities 5.6%

Other services 4.2%

Public administration 2.4%

Information 1.5%

Wholesale trade 1.2%

Occupation

Category	%
Management, business & arts	28.6%
Service	21.1%
Sales & office	31.8%
Natural resources & construction	6.3%
Production & transportation	12.3%

Employment type

Type	%
Private sector	85.6%
Government	8.7%
Self-employed	5.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.0%
Carpool	12.6%
Public transit	0.0%
Walk	1.4%
Work from home	8.5%
Other means	3.5%
Avg commute (minutes)	18.9

Poverty

All people 15.7%

Under 18 years 26.0%

18 and over 13.6%

Married-couple families 11.8%

Female-led households 15.4%

Income support

Source	% of households
Social Security	45.6%
Retirement income	33.0%
Supplemental Security	4.3%
Cash public assistance	0.9%
Food stamps / SNAP	4.2%

Health indicators

Condition	%
Obesity	40.3%
High blood pressure	35.9%
High cholesterol	38.5%
Diabetes	13.2%
Heart disease	9.6%
Stroke	4.3%
Asthma	9.5%
Arthritis	33.5%
Kidney disease	3.8%
Pulmonary disease	11.0%
Cancer	8.5%

Behavior / access	%
Smoking	21.6%
Binge drinking	16.3%
No physical activity	29.2%
Less than 7 hrs sleep	32.0%
Depression	22.8%
Fair or poor health	19.8%
Poor mental health	15.0%
Poor physical health	14.1%
No health insurance	16.6%
Visited doctor (checkup)	76.4%
Visited dentist	55.3%
Cholesterol screening	89.2%
Teeth loss	19.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	515	9.1%

Disability	%
Any disability	14.5%
Under 18	0.9%
18–64 years	11.0%
65 and over	30.4%

Health insurance coverage

Type	%
Private insurance	65.1%
Public insurance	34.8%
No insurance	16.2%
Uninsured under 19	1.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,558	95.9%
Spanish	159	2.4%
Other Indo-European	159	2.4%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,527	95.4%
Born in same state	6,527	95.4%
Born in different state	3,816	55.8%
Foreign born	0	0.0%
Naturalized citizen	314	4.6%
Not a US citizen	18	5.7%

Ancestry

Ancestry	Count	%
Arab	988	14.4%
French	924	13.5%
Italian	832	12.2%

Ancestry	Count	%
English	214	3.1%
Polish	57	0.8%
Dutch	20	0.3%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	95.3%

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

Frequently asked questions about ZIP code 65065

What city is ZIP code 65065 in?

ZIP code 65065 is primarily assigned to Osage Beach, Missouri.

What county is ZIP code 65065 in?

ZIP code 65065 falls within Camden County, Missouri.

Does ZIP code 65065 have an older population?

29% of residents in ZIP code 65065 are 65 or older, above the national average of ~17%.

Does ZIP code 65065 have a large retiree population?

46% of households in ZIP code 65065 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 65065?

16% of residents in ZIP code 65065 live below the poverty line, above the national average.

Does ZIP code 65065 have a large veteran population?

9% of civilians in ZIP code 65065 are veterans, above the national average of ~7%.

What timezone is ZIP code 65065 in?

ZIP code 65065 observes the CST timezone.