ZIP Code 65686 — Kimberling City city, MO Demographics & Data

ZIP code 65686 covers Kimberling City, MO in Stone County with a population of about 4,487.

At a glance, the area shows median age of 64.6 versus a U.S. median of about 38.9.

It sits in telephone area code 417; U.S. House district MO-7; the SPRINGFIELD, MO media market.

Kimberling City, MO fits a retirement-oriented profile (high share of residents 65+ (48.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 65686 is about $56,644 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.9%; unemployment rate near 6.5%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Arts and entertainment, and Food services; about 11.1% of workers reporting work-from-home (about 4.1 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 $247,300 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $754 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 83.0% (about 17.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 65686 in Kimberling City, MO, a household would need roughly $68,000 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 $1,589. That is about 20% above the local median household income ($56,644), 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 Kimberling City city, MO as Relatively Low (composite score 76.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.7) and wildfire (64.1). 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 Kimberling City city, MO show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 203 for ZIP 65686 (Kimberling City 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.