Kimberling City, MO · standard
ZIP Code 65686
Stone County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,920
- 199/sq mi High-density area
- $58,363
- Median income Below-median income area
- $257,300
- Median home value Near-median home value
- 24.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Kimberling City pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 26th pct
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 199
- people per sq mi
- 82%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 65686 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 65686 (Kimberling City, MO) rose +13.9% from 2023 to 2024. The all-transactions index moved from 250.0 in 2023 to 284.8 in 2024 (2000 = 100).
ZIP code 65686 covers 24.7 square miles in Kimberling City, Stone County, Missouri (a standard USPS delivery area), with a modest 4,920 residents on file, a density of 199 people per square mile, in the Chicago time zone.
ZIP 65686 reports a modest median household income of $58,363 (13% below the average Missouri ZIP), while per-capita income is $36,374. The poverty rate is 15.1%, with unemployment at 4.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $257,300 (35% above the average Missouri ZIP), while 81.8% of occupied homes are owner-occupied and median rent is $1,023.
Educational attainment sits below the national norm: 24.6% of adults hold a bachelor's degree or higher, the median age is 64.2, and the average commute is 23 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Stone County, so 65686 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 65686
Top 5 sectors by establishment count in Kimberling City, MO
Which industries have the most business establishments in ZIP 65686.
- Other services (except public administration)
Other services (except public administration)
21 establishments
- Retail trade
Retail trade
17 establishments
- Accommodation and food services
Accommodation and food services
17 establishments
- Construction
Construction
13 establishments
- Professional, scientific, and technical services 8
Professional, scientific, and technical services
8 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 65686, Kimberling City, MO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
4,920
Population
24.7
Area (sq mi)
199
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 65686?
64.2
Median Age
47.2%
Male
52.8%
Female
2.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$58,363
Median Household Income
-13% vs state ZIP avg
$36,374
Per Capita Income
15.1%
Poverty Rate
4.5%
Unemployment Rate
23.4 min
Mean Commute Time
How ZIP 65686 ranks among Missouri ZIPs
Kimberling City, MO household income vs. every Missouri ZIP code
Median household income among 948 reporting Missouri ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$58,363 40th percentile higher than 40% of 948 Missouri ZIPs
Each bar is a $20K-wide band; taller bars hold more Missouri ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
3,650housing units
3,650
Total Housing Units
2,161
Occupied Units
1,489
Vacant Units
1.92
Avg Household Size
Occupancy Type
$257,300
Median Home Value
+35% vs state ZIP avg
$1,023
Median Rent
1989
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+13.9%
YoY Change (2024)
285
HPI Index (2000 = 100)
+185%
Total Change Since 2000
Home values in ZIP 65686 have increased 13.9% over the past year (2024). Since 2000, this ZIP has seen +185% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.0% | 166 |
| 2021 | +17.4% | 195 |
| 2022 | +27.3% | 249 |
| 2023 | +0.6% | 250 |
| 2024 | +13.9% | 285 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 108 business establishments in ZIP 65686, employing approximately 691 people with a combined annual payroll of $24,797,000.
108
Businesses
691
Employees
$24.8M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 21 | 19.4% |
| Retail trade | 17 | 15.7% |
| Accommodation and food services | 17 | 15.7% |
| Construction | 13 | 12.0% |
| Professional, scientific, and technical services | 8 | 7.4% |
| Finance and insurance | 7 | 6.5% |
| Health care and social assistance | 7 | 6.5% |
| Real estate and rental and leasing | 5 | 4.6% |
| Manufacturing | 4 | 3.7% |
| Administrative and support and waste management and remediation services | 4 | 3.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 65686 vs 65681 →
ZIP 65686 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65737
Reeds Spring (65737)
8,413 residents
- 65686
Kimberling City (65686)
4,920 residents
- 65747
Shell Knob (65747)
3,746 residents
- 65681 2,345
Lampe (65681)
2,345 residents
- 65611 1,969
Blue Eye (65611)
1,969 residents
- 65624 1,577
Cape Fair (65624)
1,577 residents
- 72660 524
Oak Grove (72660)
524 residents
What this shows Among its immediate neighbors, ZIP 65686 ranks #2 by population - useful context the national average alone can't give.
ZIP 65686 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 65737
Reeds Spring (65737)
$63,811 median income
- 65624
Cape Fair (65624)
$61,995 median income
- 65611
Blue Eye (65611)
$59,866 median income
- 65686
Kimberling City (65686)
$58,363 median income
- 65681
Lampe (65681)
$57,548 median income
- 65747
Shell Knob (65747)
$55,060 median income
What this shows By household income, ZIP 65686 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 65686, both outside MO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,920 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Stone County
Related Areas
Frequently Asked Questions
What county is ZIP code 65686 in?
ZIP code 65686 (Kimberling City) is located in Stone County, Missouri. Stone County contains multiple ZIP codes, see the full list at /counties/stone-mo.
What is the population of ZIP code 65686?
ZIP code 65686 in Kimberling City, MO has a population of 4,920 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 65686?
The median household income in ZIP 65686 is $58,363, which is 23% below the national average of $76,288.
What is the average home value in ZIP 65686?
The median home value in ZIP 65686 is $257,300, which is 7% below the national average of $278,155.
What is the demographic makeup of ZIP 65686?
The largest racial group in ZIP 65686 is White at 96.1%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 65686?
ZIP code 65686 has 108 business establishments employing approximately 691 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 65686?
The top industries by establishment count in ZIP 65686 are: Other services (except public administration) (21), Retail trade (17), Accommodation and food services (17). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 65686?
According to the FHFA House Price Index, home values in ZIP 65686 increased by 13.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 185%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 65686?
In ZIP code 65686, 56.9% of residents aged 25+ have a high school diploma or higher, and 24.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 65686?
The mean commute time for workers in ZIP code 65686 is 23.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 65686?
In ZIP code 65686, approximately 81.8% of occupied housing units are owner-occupied and 18.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 65686?
The poverty rate in ZIP code 65686 is 15.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 65686's numbers, next.
- See how ZIP 65686 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kimberling City, MO ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.