65634 ZIP Code — Cross Timbers, MO

Hickory County, Missouri

ZIP code 65634 is located in Cross Timbers, Missouri, within Hickory County. It covers approximately 73.70 square miles and serves a population of 586 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 417/573.

About ZIP code 65634

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $159,600. Owner-occupancy is high at 96%, well above the national average.

Median household income is $31,250. The poverty rate of 2% is below the national average. 62% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry.

College attainment at 8% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks. 53% of residents lack health insurance, above the national average.

Overall, ZIP code 65634 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

586

population

73.70

sq mi land

Standard

ZIP type

Central (CT)

timezone

65634 ZIP code map

Cities in ZIP code 65634

Below are the cities the US Postal Service accepts for ZIP code 65634. Using any city not on this list may result in mail delivery delays.

City	Status
Cross Timbers	Preferred

Nearby ZIP codes

65732 Preston (5.6 mi) 65668 Hermitage (8.7 mi) 65326 Edwards (10.6 mi) 65779 Wheatland (11.2 mi) 65767 Urbana (13.1 mi) 65724 Pittsburg (13.5 mi) 65786 Macks Creek (13.5 mi) 65735 Quincy (14 mi) 65355 Warsaw (15.2 mi) 65324 Climax Springs (15.7 mi) 65727 Polk (18.3 mi) 65764 Tunas (18.6 mi)

Demographics updated 05/2026

Population
Total population	586
Population density	8 / sq mi
State FIPS	29
County FIPS	085

Geography
Land area	73.70 sq mi
Water area	0.68 sq mi
Latitude	38.0149
Longitude	-93.2064
Timezone	Central (CT)
Area code	417/573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	86.4%	74.6%	43.8%
$50k – $100k	9.9%	16.9%	31.5%
$100k – $200k	3.7%	8.4%	19.5%
Over $200k	0.0%	0.1%	5.2%

Demographics & statistics

586

Population

People per sq mi

37.0

Median age

$31,250

Median household income

$16,865

Per capita income

$159,600

Median home value

Median monthly rent

95.9%

Home ownership

2.2%

Poverty rate

36.0%

Unemployment

249

Housing units

7.8%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	131	22.4%
18 and over	455	77.6%
65 and over	130	22.2%
Median age	37.0 years

Race & ethnicity

White 97.1%

Two or more races 2.9%

Group	Count	%
White	569	97.1%
Two or more races	17	2.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	86.4%	74.6%	43.8%
$50k – $100k	9.9%	16.9%	31.5%
$100k – $200k	3.7%	8.4%	19.5%
Over $200k	0.0%	0.1%	5.2%

Under $10k 7.5%

$10k–$15k 17.1%

$15k–$25k 4.8%

$25k–$35k 28.1%

$35k–$50k 6.2%

$50k–$75k 28.8%

$75k–$100k 4.1%

$100k–$150k 3.4%

Range	% of households
Under $10k	7.5%
$10k–$15k	17.1%
$15k–$25k	4.8%
$25k–$35k	28.1%
$35k–$50k	6.2%
$50k–$75k	28.8%
$75k–$100k	4.1%
$100k–$150k	3.4%
Median income	$31,250

Housing

Home values

Under $50k 17.1%

$50k–$100k 16.4%

$100k–$150k 7.1%

$150k–$200k 24.3%

$200k–$300k 10.0%

$300k–$500k 25.0%

Housing overview

Metric	Value
Median home value	$159,600
Median rent / month	$0
Owner occupied	95.9%
Renter occupied	4.1%
Vacant	42.7%
Single-family detached	71.0%
Large apartment buildings	0.0%
Mobile homes	24.7%
Median rooms	4.2
Avg household size (owned)	4.14

Year built

Era	%
2020 or later	0.0%
2010–2019	9.8%
2000–2009	25.1%
1990–1999	15.3%
1980–1989	20.0%
1970–1979	3.5%
1960–1969	6.3%
1950–1959	14.5%
1940–1949	0.0%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	7.8%
1 bedroom	13.3%
2 bedrooms	42.4%
3 bedrooms	22.0%
4 bedrooms	6.7%
5+ bedrooms	7.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	42.5%
2 vehicles	13.7%
3 or more	39.7%

Heating fuel

Fuel type	%
Electricity	38.4%
Propane / LP gas	4.8%
Fuel oil	6.2%
Wood	44.5%

Households & families

Household type	Count	%
Married-couple family	50	34.2%
Cohabiting couple	0	0.0%
Male householder, no spouse	39	26.7%
Female householder, no spouse	57	39.0%
Households with children under 18	39	26.7%
Households with seniors (65+)	93	63.7%
Average household size	4.01

Marital status

Status	Male	Female
Never married	20.1%	21.5%
Married	37.7%	41.4%
Separated	0.0%	0.0%
Widowed	3.0%	22.5%
Divorced	39.2%	14.7%

Education

Less than 9th grade 6.2%

Some HS, no diploma 1.1%

HS graduate 66.8%

Some college, no degree 18.1%

Associate's degree 0.0%

Bachelor's degree 7.8%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	92.7%
Bachelor's or higher	7.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	59	41.8%
Elementary school	63	44.7%
High school	4	2.8%
College / grad school	15	10.6%

Employment

Industry of employment

Other services 50.6%

Education & healthcare 46.1%

Retail trade 2.2%

Manufacturing 1.1%

Occupation

Category	%
Management, business & arts	0.0%
Service	77.5%
Sales & office	2.2%
Natural resources & construction	20.2%
Production & transportation	0.0%

Employment type

Type	%
Private sector	80.9%
Government	0.0%
Self-employed	19.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	19.1%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 2.2%

Under 18 years 0.0%

18 and over 2.9%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	61.6%
Retirement income	31.5%
Supplemental Security	3.4%
Cash public assistance	23.3%
Food stamps / SNAP	13.0%

Health indicators

Condition	%
Obesity	40.1%
High blood pressure	39.2%
High cholesterol	40.9%
Diabetes	14.4%
Heart disease	10.5%
Stroke	4.8%
Asthma	10.0%
Arthritis	35.7%
Kidney disease	4.1%
Pulmonary disease	12.4%
Cancer	8.6%

Behavior / access	%
Smoking	23.8%
Binge drinking	14.5%
No physical activity	31.4%
Less than 7 hrs sleep	33.6%
Depression	24.7%
Fair or poor health	21.7%
Poor mental health	15.8%
Poor physical health	15.3%
No health insurance	16.6%
Visited doctor (checkup)	76.7%
Visited dentist	54.3%
Cholesterol screening	89.4%
Teeth loss	22.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	15	3.3%

Disability	%
Any disability	12.8%
Under 18	0.0%
18–64 years	11.4%
65 and over	29.2%

Health insurance coverage

Type	%
Private insurance	32.1%
Public insurance	34.0%
No insurance	53.1%
Uninsured under 19	93.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	586	100.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	586	100.0%
Born in same state	586	100.0%
Born in different state	520	88.7%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	300	51.2%
Arab	148	25.3%
Italian	42	7.2%

Ancestry	Count	%
Polish	21	3.6%
English	11	1.9%
Norwegian	6	1%

Technology access

Metric	% of households
Computer access	24.9%
Internet access	88.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 65634

What city is ZIP code 65634 in?

ZIP code 65634 is primarily assigned to Cross Timbers, Missouri.

What county is ZIP code 65634 in?

ZIP code 65634 falls within Hickory County, Missouri.

Does ZIP code 65634 have a large retiree population?

62% of households in ZIP code 65634 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 65634 mostly owner-occupied?

96% of occupied units in ZIP code 65634 are owner-occupied, well above the national average.

How educated is the population of ZIP code 65634?

8% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the median household income in ZIP code 65634?

The median household income in ZIP code 65634 is $31,250, below the national median of ~$75,000.

What timezone is ZIP code 65634 in?

ZIP code 65634 observes the CST timezone.