Real Estate Investing in Lake Ozark, Missouri (65049)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 65049 (Lake Ozark, MO)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 63.4% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (1.5% CAGR).
What’s happening in Lake Ozark, MO (65049)?
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Market Analysis: 65049 Lake Ozark
ZIP 65049 inside Camden County looks affordable on the surface — median value of $339K — but the discount exists for reasons that a careful buyer should understand before committing.
The investment case in 65049 is solid only for operators who understand what they are buying. A $339K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
From a cash-flow lens, 65049 offers a low basis, the region around Lake Ozark has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Employment concentration in 65049 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Lake Ozark:
Property Strategy for 65049
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $235,313 | $1,020 | 3.1% | +4.7% | $117,657 |
| 3BR | $352,933 | $1,360 | 2.8% | +6.3% | $117,644 |
| 4BR | $602,662 | $1,540 | 1.8% | +6.1% | $150,666 |
| 5BR | $888,953 | — | — | +8.0% | $177,791 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 65049 Compare?
| Metric | 65049 | Lake Ozark | Missouri |
|---|---|---|---|
| Home Value | $339,069 | $339,069 | $254,657 |
| 5-Year CAGR | 1.5% | 1.5% | 7.0% |
| Avg Rent | $1,949 | $1,949 | - |
| Cap Rate | 4.5% | 4.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 65049 (Lake Ozark, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $339,069 |
| Monthly Rent | $1,949 |
| Price-to-Rent | 14.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 5.9% |
📈 Home Appreciation
| 1-Year | -2.4% ▼ |
| 3-Year CAGR | -1.7% ▼ |
| 5-Year CAGR | +1.5% ▲ |
| 10-Year CAGR | +4.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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.
Demographics in 65049
Population: 6,931
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 65049
Schools in This ZIP Code
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
How expensive is real estate in Lake Ozark, MO?
The median home value in Lake Ozark, MO is roughly $339K. That puts it reasonable relative to the MO statewide average.
How deep is the rental pool in Lake Ozark, MO?
Expect a solid tenant pool in Lake Ozark, MO. The rental market absorbs $1,949/mo rents without meaningful friction.
How does Lake Ozark, MO rate as a rental market?
Lake Ozark, MO scores 3.0/5 for investability. Home values sit at $339K and rents near $1,949/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Is MO a landlord-friendly state?
The landlord environment in Lake Ozark, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
Can I house hack in Lake Ozark, MO?
Lake Ozark, MO offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,949/mo rent level.
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