ZIP Code 65020 — Camdenton city, MO Demographics & Data

ZIP code 65020 covers Camdenton, MO in Camden County with a population of about 14,635.

At a glance, the area shows median age of 47.5 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-4; the SPRINGFIELD, MO media market.

Median household income in ZIP 65020 is about $57,243 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.5%; unemployment rate near 2.4%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 5.1% of workers reporting work-from-home (about 10.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $243,900 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $641 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 79.3% (about 13.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65020 in Camdenton, MO, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,567. That is about 17% above the local median household income ($57,243), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Camdenton city, MO as Relatively Moderate (composite score 88.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (93.3) and wildfire (81.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Camdenton city, MO show little to no average snow and around 42.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 662 for ZIP 65020 (Camdenton city, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.