ZIP Code 65049 — Lake Ozark city, MO Demographics & Data

ZIP code 65049 covers Lake Ozark, MO in Camden County with a population of about 6,931.

At a glance, the area shows median age of 49.6 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-3; the SPRINGFIELD, MO media market.

Median household income in ZIP 65049 is about $85,601 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 6.2%; 40.7% of adults with a bachelor’s degree or higher (about 7.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 11.4% of workers reporting work-from-home (about 3.8 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 $354,200 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $808 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 78.0% (about 12.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65049 in Lake Ozark, MO, a household would need roughly $97,000 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 $2,275. That is roughly in line with the local median household income ($85,601). 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 Lake Ozark 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 Lake Ozark 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 313 for ZIP 65049 (Lake Ozark 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.