FY2027 Small Area FMR · Lake Ozark, MO
ZIP 65049 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 65049 (Lake Ozark, MO) is $1,240 a month, up 21.6% from FY2026. That is 20% above the Camden County, MO area-wide FMR of $1,033.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 65049 sits in the Camden County, MO area
Of the 18 ZIP codes HUD lists for the area, 65049 has the 3rd highest two-bedroom Small Area FMR. Camden County, MO is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,033 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,240 for this ZIP code instead.
ZIP code 65049 crosses more than one HUD area. HUD also lists it under Miller County, MO (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $910 | $819 – $1,001 | $761 | $760 |
| 1 bedroom | $1,010 | $909 – $1,111 | $790 | $840 |
| 2 bedrooms | $1,240 | $1,116 – $1,364 | $1,033 | $1,020 |
| 3 bedrooms | $1,680 | $1,512 – $1,848 | $1,430 | $1,360 |
| 4 bedrooms | $1,830 | $1,647 – $2,013 | $1,593 | $1,540 |
A household renting a two-bedroom home at the Small Area FMR of $1,240 needs about $49,600 a year to keep housing costs at 30% of income. The area median family income is $87,400 and the 80% low-income limit for four people is $69,900. ZIP code 65049 lies mainly in Camden County and Miller County. See the Camden County, MO county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 65049?
HUD's FY2027 Small Area Fair Market Rents for 65049 are $910 (studio), $1,010 (1 BR), $1,240 (2 BR), $1,680 (3 BR) and $1,830 (4 BR) a month.
What is the Section 8 payment standard in 65049?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 65049 that range is $1,116 to $1,364 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 65049?
The FY2026 income limits of the Camden County, MO area apply: median family income $87,400, low-income (80%) limit $69,900 for a family of four.