The story of this market
The typical home in ZIP 65065 sells for about $410,486, or $231 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 84 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $790 a month.
ZIP 65065 — Osage Beach
The housing market in 65065 remains stable, supported by consistent demand for lakefront properties and vacation homes. While inventory levels are moderate, the market is seeing steady price appreciation driven by the area's appeal as a regional tourism destination. Some figures, such as specific permit counts, were not available at the ZIP level.
This ZIP is ideal for retirees, vacation-home buyers, and investors looking for rental income, as the market is heavily oriented toward lakefront lifestyle amenities and seasonal tourism.
Median prices moved up 2.1% year over year.
Homes spend a median of 84 days on market with 4.2 months of supply — a balanced-paced market.
13% of listings have cut prices · homes sell at 97.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.9% · poverty 11.9% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 65065, Missouri
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Osage Beach are generally consistent with regional averages for lake-resort communities, with property crime being the primary concern due to seasonal tourism fluctuations.
Schools serving the area are part of the School of the Osage district, which maintains a generally positive reputation within the region for its academic and extracurricular programs.
The area faces moderate risks related to severe thunderstorms and wind events common to the Ozarks, with flood insurance requirements varying significantly based on proximity to the Lake of the Ozarks shoreline.
Economic momentum is driven by the tourism and hospitality sectors, with ongoing development focused on lakefront residential projects and commercial expansion to support the seasonal population.
Property taxes are assessed at the county level by Camden and Miller County assessors, with rates reflecting local school district levies and municipal services provided by the City of Osage Beach.
Commuting is primarily car-dependent, with US Highway 54 serving as the main artery connecting residents to employment hubs in Lake Ozark and Camdenton.
The area is a premier destination for water sports, boating, and fishing on the Lake of the Ozarks, complemented by numerous golf courses, hiking trails at Ha Ha Tonka State Park, and extensive retail shopping at the Osage Beach Premium Outlets.
The rental market is heavily influenced by seasonal demand, with a high prevalence of short-term vacation rentals that create tight supply for long-term residents during the peak summer months.
The economy is anchored by the tourism, hospitality, and retail sectors, with significant employment provided by lake-related services and regional shopping centers.
Transportation is primarily private vehicle-based, with limited public transit options available for the rural-resort geography.
Development is focused on mixed-use lakefront projects and infrastructure improvements to manage seasonal traffic congestion.
Parcels are subject to School of the Osage district taxes and various local fire and ambulance district levies.
Insurance premiums are influenced by proximity to the lake and the prevalence of severe weather, with many properties requiring specialized coverage.
Data retrieved from US Census Bureau ZCTA profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major recreational hub for boating, fishing, and swimming.
Regional anchor for retail and dining.
Features unique geological formations and historic castle ruins.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.