ZIP Code 65438 — Birch Tree city, MO Demographics & Data

ZIP code 65438 covers Birch Tree, MO in Shannon County with a population of about 2,616.

At a glance, the area shows median age of 51.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 417, 573; U.S. House district MO-8; the SPRINGFIELD, MO media market.

Median household income in ZIP 65438 is about $52,333 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.1%; unemployment rate near 5.0%; 11.2% of adults with a bachelor’s degree or higher (about 22.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Manufacturing; about 10.8% of workers reporting work-from-home (about 4.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $105,800 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $356 (about 69% below the U.S. median rent ($1,163)), and owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65438 in Birch Tree, MO, a household would need roughly $29,000 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 $680. That sits below the local median household income ($52,333), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Birch Tree city, MO as Relatively Low (composite score 57.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (60.8) and flood (46.0). 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 Birch Tree city, MO show little to no average snow and around 50.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 118 for ZIP 65438 (Birch Tree 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.