ZIP code 65786

ZIP 65786 is a small town in Camden County, Missouri, with 1,835 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #461 of 1,035 ranked by population — larger than 55% of them. The median age here is 45 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 65786 earn a median of $52,273 a year, 33.4% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 15% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 65786 is valued at $178,400, 41.2% below the national figure, while median gross rent runs $733 a month, 47.9% below the national figure, or roughly $8,796 across a full year. A household on the local median income would put about 16.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 88.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 65786 is tabulated inside Camden County, Missouri, one of 10 ZIP areas the Census publishes for that county and 1,035 across Missouri. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 65786 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 65786 reports a median household income of $52,273, 9% below the $57,188 county median, and 14% below the $60,651 typical MO ZIP. Owner-occupied homes are valued at a median of $178,400, 33% below the county figure and 10% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $733 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Missouri charges 4.225% statewide, and local governments overlapping 65786 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 65786 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.