US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 65065
  5. Housing & Real Estate
Osage Beach city, MO

ZIP 65065 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65065

Median Home Value
$298,700
Median Rent
$685
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,919/mo PITI).

14%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.3 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 65065 in Osage Beach city, MO, a household would need roughly $82,000 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 $1,919. That is about 44% above the local median household income ($57,133), 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.

Housing Tenure

Vacancy rate 65% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.3%+9% vs US avg
x
Vacancy Rate
65.3%+534% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
11.2%-77% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$298,700
Home Value
$685
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 detached43.8%
  • 1-unit attached2.4%
  • 2-9 units9.1%
  • 10+ units43.2%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,700
Median rent$685
Owner-occupied71.3%
Vacant65.3%
Price-to-income5.2x
Est. income to buy$82,000