Real Estate Investing in Camdenton, Missouri (65020)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Camden County • Population: 14,635 • Data updated: September 2026

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Should you buy in 65020 (Camdenton, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 47.3% of homes vacant — above national norms.

What’s happening in Camdenton, MO (65020)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $306,657
Avg Monthly Rent $1,525
1% Rule ✗ Does Not Meet
Median Income $56,466
% Renters 21.4%

Market Analysis: 65020 Camdenton

This part of Camden County is not an easy win. The 65020 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 65020 can be a a viable market for hunting ground — but the discount at $307K reflects genuine risk that outside investors often underestimate.

In the broader MO picture, 65020 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The 65020 ZIP's population of 14,635 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.

New investors are better served looking at Camdenton's stable or hybrid ZIPs before stepping into 65020. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Camdenton:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
14/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Declining (-0.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,525/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
🏠

Property Strategy for 65020

Which property type performs best in this market?

Best for Cash Flow
3BR
2.8% cap rate
Best for Appreciation
5BR
+10.0% 5yr CAGR
Best Overall Value
3BR
$109,891/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $249,901 $930 2.7% +8.9% $124,951
3BR $329,672 $1,290 2.8% +8.9% $109,891
4BR $439,679 $1,360 2.2% +9.1% $109,920
5BR $628,389 +10.0% $125,678

Market Trends

Home Value History (with trend line)

$325K$287K$250K$213K$175K$138KJan 2012May 2019Jul 2026

Rent History (with trend line)

$1,563$1,553$1,544$1,535$1,526$1,516Feb 2026May 2026Jul 2026

📊 How Does 65020 Compare?

Metric 65020 Camdenton Missouri
Home Value $306,657 $306,657 $254,657
5-Year CAGR 2.5% 2.5% 7.0%
Avg Rent $1,525 $1,525 -
Cap Rate 3.9% 3.9% -
💡 Why Invest in 65020? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 65020 (Camdenton, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.9%
Low
5yr Growth
+2.5%
Slow

📊 Market Snapshot

Home Value $306,657
Monthly Rent $1,525
Price-to-Rent 16.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.0%
Cap Rate 3.9%
5-Year IRR 6.3%

📈 Home Appreciation

1-Year -0.1% ▼
3-Year CAGR +1.1% ▲
5-Year CAGR +2.5% ▲
10-Year CAGR +5.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
47.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 65020

Population: 14,635

💰 Median Household Income
$56,466
This area
$56,466
State
$62,768
USA
$74,580
🏠 Renter Occupied
21.4%
This area
21.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-8.1%
USA
3.7%
🎓 College Educated
18.4%
This area
18.4%
State
8.6%
USA
33.7%
👤 Median Age
48.9 years
This area
48.9 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
47.3%
This area
47.3%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 94.3%
Other/Mixed 4.2%
Hispanic/Latino 2.7%
Black/African American 0.9%
Asian 0.6%
👶 Under 18
19.3%
This area
19.3%
USA
22.0%
👴 65 and Over
22.3%
This area
22.3%
USA
17.3%
📊 Poverty Rate
10.2%
This area
10.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 65020

B+ Avg School Grade
7 Schools
12.6:1 Avg Class Size
$14,059 Avg Per Pupil

Schools in This ZIP Code

A Very Good

DOGWOOD ELEMENTARY

📚 Pre-K – 02 Elementary
👥
618 Students
👨‍🏫
11.4:1 Class Size
💰
$14,059 Per Student
A Very Good

CAMDENTON MIDDLE

📚 07 – 08 Middle
👥
591 Students
👨‍🏫
12.8:1 Class Size
💰
$14,059 Per Student
A Very Good

HAWTHORN ELEMENTARY

📚 03 – 04 Elementary
👥
397 Students
👨‍🏫
12.4:1 Class Size
💰
$14,059 Per Student
A Very Good

OAK RIDGE INTERMEDIATE

📚 05 – 06 School
👥
560 Students
👨‍🏫
12.6:1 Class Size
💰
$14,059 Per Student
B+ Above Average

CAMDENTON HIGH

📚 09 – 12 High School
👥
1,288 Students
👨‍🏫
14.6:1 Class Size
💰
$14,059 Per Student
B Good

JUVENILE JUSTICE CENTER

📚 05 – 12 High School
👥
12 Students
👨‍🏫
12.0:1 Class Size
💰
$14,059 Per Student
C+ Average

LAKE CAREER TECHNICAL CENTER

📚 09 – 12 High School Limited Data
💰
$14,059 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What is the best play in Camdenton, MO?

Camdenton, MO investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($307K prices, $1,525/mo rents) make it a reasonable choice.

How deep is the rental pool in Camdenton, MO?

The tenant pool in Camdenton, MO is solid, supported by local employment and population fundamentals. Rents of $1,525/mo are well-absorbed by the market.

How strong are rents in Camdenton, MO?

The typical rental in Camdenton, MO commands about $1,525/mo monthly. That rent profile reliable cash flow against the $307K purchase basis.

How does Camdenton, MO rate as a rental market?

Camdenton, MO rates 3.0/5 for investability. With median values at $307K and rents near $1,525/mo, the market offers reasonable fundamentals for rental investors.

Is Camdenton, MO landlord-friendly?

MO ranks as a landlord-friendly state for landlord-tenant law. Camdenton generally follows the statewide framework, so landlords face reasonable operating rules.

You know 65020 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65020 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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