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Camden County/Lake Ozark/65049

65049

ZIPSAFMR
Camden County, MO
Zillow

ZIP Investment Score

68Below average

095130300
BRFMR
Eff. Rent
0 BR$910$790
1 BR$1,010$970
2 BR$1,240$1,360
3 BR$1,680$1,750
4 BR$1,830$1,870
5 BR$2,105Not available
6 BR$2,420Not available
7 BR$2,783Not available
8 BR$3,201Not available

Purchase Price Calculator

Maximum purchase price
$140,179

Cost breakdown

+Likely effective rent$1,360
HUD FMR$1,240
Market rent$1,440
Est. payment standard (110%)Used$1,360
-Principal and interest-$709
Loan amount$112,143
Down payment$28,036
Rate6.50%
Term30 years
-Operating costs-$451
Property taxes-$140
Insurance-$175
Utilities$0
HOA$0
Management-$136
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,996(78.5% ROI)
Projected value
$150,957
Return breakdown
Property appreciation+$10,778
Loan principal paid down+$4,018
Rental cash flow+$7,200
5-year hold
+$37,586(134.1% ROI)
Projected value
$158,600
Return breakdown
Property appreciation+$18,421
Loan principal paid down+$7,165
Rental cash flow+$12,000
10-year hold
+$80,334(286.5% ROI)
Projected value
$179,441
Return breakdown
Property appreciation+$39,262
Loan principal paid down+$17,073
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.15
1 BR
1.04
2 BR
0.86
3 BR
0.94
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 65049 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 65049 (Lake Ozark, MO) is $1,240 a month. That is up 21.6% from $1,020 in FY 2026. Lake Ozark is in the Camden County, MO non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,033. Among 18 ZIP codes in Camden County, 65049 has the 3rd-highest two-bedroom rent (county range $960–$1,540). The median county two-bedroom FMR in Missouri is $962, so ZIP 65049 is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 65049
BedroomsFY 2027Change90–110% range
Studio$910+19.7%$819–$1,001
1BR$1,010+20.2%$909–$1,111
2BR$1,240+21.6%$1,116–$1,364
3BR$1,680+23.5%$1,512–$1,848
4BR$1,830+18.8%$1,647–$2,013

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 65049
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$910$1,010$1,240$1,680$1,830
FY 2026$760$840$1,020$1,360$1,540
FY 2025$690$760$920$1,210$1,360
FY 2024area FMR$654$661$868$1,152$1,156
FY 2023area FMR$605$624$821$1,125$1,186

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Camden County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 65049
65017$960−22.6%
65020$1,030−16.9%
65037$1,040−16.1%
65047$980−21.0%
65049Current$1,240—
65052$960−22.6%
65065$960−22.6%
65079$1,540+24.2%
65324$1,050−15.3%
65326$1,110−10.5%
65452$960−22.6%
65536$1,020−17.7%

Questions about ZIP 65049 rents

How much will Section 8 pay for a two-bedroom in ZIP 65049?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,033, which applies unless the housing authority uses Small Area FMRs, that basic range is $930 to $1,136 a month; under the ZIP-level Small Area FMR of $1,240 it would be $1,116 to $1,364. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 65049 in?

ZIP 65049 is in the Camden County, MO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,033.

How much did fair market rent change in ZIP 65049 for FY 2027?

The two-bedroom FMR rose 21.6%, from $1,020 in FY 2026 to $1,240 in FY 2027. Since FY 2025 it has risen 34.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentLake Ozark, MO fair market rentMO statewide rentsWhat is SAFMR?Data sources