65078 ZIP Code — Stover, MO

Morgan County, Missouri

ZIP code 65078 is located in Stover, Missouri, within Morgan County. It covers approximately 156.23 square miles and serves a population of 3,582 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 65078

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $92,100. Owner-occupancy is high at 77%, well above the national average.

Median household income is $40,000. Poverty affects 33% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 49% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (15%), smoking (26%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 65078 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,582

population

156.23

sq mi land

Standard

ZIP type

Central (CT)

timezone

65078 ZIP code map

Cities in ZIP code 65078

Below are the cities the US Postal Service accepts for ZIP code 65078. Using any city not on this list may result in mail delivery delays.

City	Status
Stover	Preferred

Nearby ZIP codes

65084 Versailles (10 mi) 65037 Gravois Mills (10.9 mi) 65325 Cole Camp (11.2 mi) 65011 Barnett (14.9 mi) 65034 Fortuna (15.2 mi) 65329 Florence (15.8 mi) 65072 Rocky Mount (16.1 mi) 65324 Climax Springs (17.3 mi) 65326 Edwards (17.5 mi) 65354 Syracuse (19 mi) 65335 Ionia (19.1 mi)

Demographics updated 05/2026

Population
Total population	3,582
Population density	23 / sq mi
State FIPS	29
County FIPS	141

Geography
Land area	156.23 sq mi
Water area	5.58 sq mi
Latitude	38.3770
Longitude	-92.9950
Timezone	Central (CT)
Area code	573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.7%	56.3%	43.8%
$50k – $100k	34.2%	28.3%	31.5%
$100k – $200k	6.1%	12.4%	19.5%
Over $200k	0.0%	3.1%	5.2%

Demographics & statistics

3,582

Population

People per sq mi

46.6

Median age

$40,000

Median household income

$19,524

Per capita income

$92,100

Median home value

$734

Median monthly rent

77.2%

Home ownership

32.5%

Poverty rate

4.1%

Unemployment

2,520

Housing units

10.6%

Bachelor's or higher

Age distribution

Male Female

112

Under 5

113

100

5–9

101

109

10–14

110

15–19

20–24

234

25–34

237

218

35–44

221

191

45–54

194

136

55–59

138

167

60–64

170

320

65–74

325

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	731	20.4%
18 and over	2,851	79.6%
65 and over	869	24.3%
Median age	46.6 years

Race & ethnicity

White 85.5%

Two or more races 6.2%

Hispanic or Latino 4.7%

Other race 2.7%

Asian 0.6%

Black or African American 0.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	3,213	85.5%
Two or more races	234	6.2%
Hispanic or Latino	175	4.7%
Other race	100	2.7%
Asian	22	0.6%
Black or African American	9	0.2%
American Indian / Alaska Native	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.7%	56.3%	43.8%
$50k – $100k	34.2%	28.3%	31.5%
$100k – $200k	6.1%	12.4%	19.5%
Over $200k	0.0%	3.1%	5.2%

Under $10k 10.1%

$10k–$15k 6.8%

$15k–$25k 16.7%

$25k–$35k 13.6%

$35k–$50k 13.7%

$50k–$75k 23.6%

$75k–$100k 8.7%

$100k–$150k 5.9%

$150k–$200k 0.5%

$200k+ 0.4%

Range	% of households
Under $10k	10.1%
$10k–$15k	6.8%
$15k–$25k	16.7%
$25k–$35k	13.6%
$35k–$50k	13.7%
$50k–$75k	23.6%
$75k–$100k	8.7%
$100k–$150k	5.9%
$150k–$200k	0.5%
$200k+	0.4%
Median income	$40,000

Housing

Home values

Under $50k 24.8%

$50k–$100k 28.3%

$100k–$150k 8.6%

$150k–$200k 11.7%

$200k–$300k 16.1%

$300k–$500k 4.6%

$500k–$1M 2.3%

$1M+ 3.6%

Housing overview

Metric	Value
Median home value	$92,100
Median rent / month	$734
Owner occupied	77.2%
Renter occupied	22.8%
Vacant	50.3%
Single-family detached	69.5%
Large apartment buildings	0.0%
Mobile homes	27.4%
Median rooms	5.2
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.3%
2010–2019	1.5%
2000–2009	12.5%
1990–1999	13.2%
1980–1989	14.0%
1970–1979	26.6%
1960–1969	10.5%
1950–1959	11.6%
1940–1949	2.2%
1939 or earlier	7.6%

Bedrooms

Size	% of units
No bedroom (studio)	5.0%
1 bedroom	13.3%
2 bedrooms	25.5%
3 bedrooms	44.4%
4 bedrooms	7.5%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	7.5%
1 vehicle	30.7%
2 vehicles	39.4%
3 or more	22.4%

Heating fuel

Fuel type	%
Utility gas	18.3%
Electricity	36.6%
Propane / LP gas	29.8%
Fuel oil	1.9%
Wood	13.3%

Households & families

Household type	Count	%
Married-couple family	613	43.4%
Cohabiting couple	102	7.2%
Male householder, no spouse	320	22.7%
Female householder, no spouse	377	26.7%
Households with children under 18	403	28.5%
Households with seniors (65+)	637	45.1%
Average household size	2.49

Marital status

Status	Male	Female
Never married	21.7%	20.0%
Married	41.5%	43.4%
Separated	5.2%	3.5%
Widowed	4.3%	14.6%
Divorced	27.4%	18.5%

Education

Less than 9th grade 8.6%

Some HS, no diploma 10.3%

HS graduate 46.4%

Some college, no degree 18.5%

Associate's degree 5.6%

Bachelor's degree 8.5%

Graduate / professional 2.0%

Metric	%
HS diploma or higher	81.1%
Bachelor's or higher	10.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	3.8%
Kindergarten	41	6.8%
Elementary school	369	61.6%
High school	115	19.2%
College / grad school	51	8.5%

Employment

Industry of employment

Manufacturing 19.5%

Retail trade 17.5%

Education & healthcare 15.6%

Construction 10.6%

Agriculture & mining 9.9%

Public administration 7.6%

Arts, food & hospitality 6.5%

Professional & management 4.5%

Transportation & utilities 2.4%

Information 2.3%

Other services 1.9%

Wholesale trade 1.2%

Finance & real estate 0.6%

Occupation

Category	%
Management, business & arts	30.4%
Service	14.3%
Sales & office	14.9%
Natural resources & construction	16.1%
Production & transportation	24.3%

Employment type

Type	%
Private sector	65.4%
Government	15.0%
Self-employed	18.6%
Unpaid family workers	1.1%

Commute

Method	%
Drive alone	65.7%
Carpool	19.5%
Public transit	0.0%
Walk	3.0%
Work from home	7.8%
Other means	4.0%
Avg commute (minutes)	24.9

Poverty

All people 32.5%

Under 18 years 31.8%

18 and over 32.6%

Married-couple families 17.8%

Female-led households 53.4%

Income support

Source	% of households
Social Security	48.5%
Retirement income	22.1%
Supplemental Security	12.4%
Cash public assistance	5.2%
Food stamps / SNAP	17.6%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	39.7%
High cholesterol	40.4%
Diabetes	15.2%
Heart disease	10.9%
Stroke	5.1%
Asthma	10.4%
Arthritis	35.5%
Kidney disease	4.3%
Pulmonary disease	13.5%
Cancer	8.4%

Behavior / access	%
Smoking	25.6%
Binge drinking	14.0%
No physical activity	32.3%
Less than 7 hrs sleep	33.5%
Depression	24.7%
Fair or poor health	23.9%
Poor mental health	16.4%
Poor physical health	16.4%
No health insurance	18.5%
Visited doctor (checkup)	75.1%
Visited dentist	48.6%
Cholesterol screening	88.3%
Teeth loss	24.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	233	8.2%

Disability	%
Any disability	23.9%
Under 18	11.5%
18–64 years	23.9%
65 and over	34.3%

Health insurance coverage

Type	%
Private insurance	46.4%
Public insurance	55.9%
No insurance	13.1%
Uninsured under 19	10.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,357	93.7%
Spanish	66	2.0%
Other Indo-European	17	0.5%
Asian & Pacific Islander	27	0.8%
Other languages	22	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,525	98.4%
Born in same state	3,524	98.4%
Born in different state	2,533	70.7%
Foreign born	1	0.0%
Naturalized citizen	57	1.6%
Not a US citizen	20	35.1%

Ancestry

Ancestry	Count	%
Arab	443	12.4%
French	405	11.3%
Italian	381	10.6%

Ancestry	Count	%
English	32	0.9%
Dutch	24	0.7%
Polish	10	0.3%

Technology access

Metric	% of households
Computer access	39.4%
Internet access	90.4%

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

Frequently asked questions about ZIP code 65078

What city is ZIP code 65078 in?

ZIP code 65078 is primarily assigned to Stover, Missouri.

What county is ZIP code 65078 in?

ZIP code 65078 falls within Morgan County, Missouri.

What is the poverty rate in ZIP code 65078?

33% of residents in ZIP code 65078 live below the poverty line, above the national average.

Does ZIP code 65078 have a large retiree population?

49% of households in ZIP code 65078 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 65078?

11% 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 typical home value in ZIP code 65078?

The median home value in ZIP code 65078 is $92,100.

What timezone is ZIP code 65078 in?

ZIP code 65078 observes the CST timezone.