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Cross Timbers city, MO

ZIP 65634 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 65634

Median Home Value
$188,200
Median Rent
N/A
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,209/mo PITI).

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 65634 in Cross Timbers city, 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.

Housing Tenure

Vacancy rate 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.2%+47% vs US avg
x
Vacancy Rate
36.3%+252% vs US avg
x
Broadband Access
53.2%-39% vs US avg
x
4+ Bedrooms
9.3%-37% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
67.8%+77% vs US avg
x
$188,200
Home Value
N/A
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached63.7%
  • 1-unit attached0.0%
  • 2-9 units4.4%
  • 10+ units0.0%
  • Mobile home & other31.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,200
Median rent$-666,666,666
Owner-occupied96.2%
Vacant36.3%
Price-to-income5.5x
Est. income to buy$52,000