ZIP Code 65634 — Cross Timbers city, MO Demographics & Data

ZIP code 65634 covers Cross Timbers, MO in Hickory County with a population of about 609.

At a glance, the area shows median age of 36.9 versus a U.S. median of about 38.9.

It sits in telephone area code 417; U.S. House district MO-4; the SPRINGFIELD, MO media market.

Median household income in ZIP 65634 is about $33,958 — about 55% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.1%; unemployment rate near 33.3%; 13.6% of adults with a bachelor’s degree or higher (about 20.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Other services, and Retail trade; about 6.8% of workers reporting work-from-home (about 8.4 points below the U.S. share (15.2%)); a mean commute of about 82.0 minutes (U.S. average near 26.8).

Median home value is about $188,200 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.2% (about 30.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65634 in Cross Timbers, MO, a household would need roughly $52,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,209. That is about 53% above the local median household income ($33,958), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cross Timbers city, MO as Very Low (composite score 23.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (69.4) and flood (32.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cross Timbers city, MO show little to no average snow and around 44.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 28 for ZIP 65634 (Cross Timbers city, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.