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Lake Ozark city, MO

ZIP 65049 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65049

Median Home Value
$354,200
Median Rent
$808
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,275/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

36.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 65049 in Lake Ozark city, 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.

Housing Tenure

Vacancy rate 64% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.0%+19% vs US avg
x
Vacancy Rate
64.2%+524% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
8.7%-83% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$354,200
Home Value
$808
Rent
1987
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached47.8%
  • 1-unit attached3.4%
  • 2-9 units13.8%
  • 10+ units34.9%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$354,200
Median rent$808
Owner-occupied78.0%
Vacant64.2%
Price-to-income4.1x
Est. income to buy$97,000