The story of this market
The typical home in ZIP 64637 sells for about $145,000, or $112 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $575 a month.
ZIP 64637 — Cowgill
The housing market in 64637 is characterized by low inventory and slow turnover, typical of a rural Missouri ZIP code. Prices have seen modest appreciation, but the market remains quiet with very few closed sales per month. There are no major developments or economic shifts driving significant change in this area.
This ZIP is best suited for those seeking a quiet, rural lifestyle, including retirees or individuals working in agriculture or remote roles who prioritize affordability over proximity to urban amenities.
Median prices moved up 2.4% year over year.
Homes spend a median of 88 days on market with 6.5 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 97.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.4% · poverty 19.3% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 64637, Caldwell County MO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Schools serving the area are part of the Polo R-VII School District, which generally serves the rural Caldwell County region.
The area is subject to standard Midwestern weather risks including severe thunderstorms and occasional tornado activity; flood risk is localized to low-lying areas near regional creeks.
Economic momentum is limited, characterized by a stable, small-scale agricultural and rural residential base with minimal new commercial development.
Property taxes are assessed by Caldwell County based on local millage rates; there are no special municipal MUD or PID districts reported for this unincorporated rural area.
Commutes are primarily by private vehicle, with residents typically traveling to nearby towns like Hamilton or Kingston for services and employment.
Recreation is centered on rural outdoor activities, with limited local parks and proximity to regional hunting and fishing areas in Caldwell County.
The rental market is very thin with low turnover and limited institutional investor presence, primarily consisting of single-family home rentals.
The local economy is primarily driven by agriculture and small-scale local services, with most residents commuting to larger regional hubs for employment.
There are no major commercial or residential developments currently approved or under construction in this ZIP code.
Parcels are served by the Polo R-VII School District and standard county-level taxing authorities.
Property insurance premiums are generally stable but sensitive to regional weather-related claims common in Northwest Missouri.
Data retrieved from US Census Bureau ZCTA 64637 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides basic outdoor space and community gathering areas for the county.
Serves as a central community anchor for the small population.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.