The story of this market
The typical home in ZIP 65634 sells for about $489,500, or $291 per square foot.
Homes take about 239 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $962 a month.
ZIP 65634 — Cross Timbers
The housing market in 65634 is characterized by low inventory and limited sales activity, typical of a rural, lake-adjacent area. Prices remain stable with little year-over-year fluctuation, reflecting a quiet market with few transactions. Most data points for rental and specific development metrics are not determinable due to the small population size.
This ZIP is best suited for retirees, vacation-home buyers, and those seeking a quiet, rural lifestyle near the water.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 239 days on market with 0.0 months of supply — a slower-moving market.
17% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 31.0% · poverty 12.5% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 65634, Hickory County MO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
The area is subject to standard regional climate risks including severe thunderstorms and potential flooding near Lake of the Ozarks.
Economic activity is primarily driven by local tourism, lake-related recreation, and small-scale agriculture.
Property taxes are assessed at the county level in Hickory County; there are no specific municipal income taxes, though special school district levies apply.
Commuting is primarily by private vehicle with long drive times to regional employment hubs like Springfield or Lebanon.
The area is defined by its proximity to the Lake of the Ozarks, offering extensive boating, fishing, and outdoor recreation opportunities.
The rental market is limited and largely seasonal, driven by short-term vacation demand near the lake.
The local economy is heavily reliant on tourism, outdoor recreation, and small-scale agricultural operations.
Transportation is entirely dependent on personal vehicles; there is no public transit infrastructure.
There are no major commercial or residential developments currently reported for this rural ZIP code.
Hickory County Assessor manages property valuations based on biennial assessment cycles.
Parcels are subject to Hickory County R-I School District and local fire protection district levies.
Property insurance premiums are influenced by rural fire response times and proximity to lake-related flood zones.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major regional reservoir providing boating, fishing, and swimming.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.