The story of this market
The typical home in ZIP 65078 sells for about $259,000, or $199 per square foot.
Prices are up +4.2% 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 $753 a month.
ZIP 65078 — Stover
The Stover housing market remains stable with modest year-over-year price appreciation driven by limited inventory and steady demand for affordable rural living. While sales volume is low, the market is supported by its role as a bedroom community for the broader Lake of the Ozarks region. Some data points, such as specific days-on-market trends, are based on current active listing snapshots as comprehensive historical ZIP-level sales reports are not publicly aggregated.
This ZIP is well-suited for families and retirees seeking a quiet, rural-adjacent lifestyle with affordable housing costs and proximity to regional lake amenities.
Median prices moved up 4.2% year over year.
Homes spend a median of 88 days on market with 7.2 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.4% · poverty 27.7% — 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 9.4%/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 7.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 65078, Morgan 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.
The area is served by the Stover R-IV School District, which provides local public education for the community.
The region is subject to standard Midwestern weather risks, including severe thunderstorms and occasional tornado activity; flood risk is localized to specific low-lying areas near water bodies.
Economic momentum is driven by local agriculture, small-scale manufacturing, and proximity to the Lake of the Ozarks tourism corridor.
Property taxes are assessed at the county level by Morgan County; rates are determined by local school district and municipal levies.
Commuting is primarily car-dependent, with residents traveling to nearby employment hubs in Versailles or the Lake of the Ozarks area via state highways.
Local recreation includes access to community parks and proximity to the Lake of the Ozarks for boating, fishing, and outdoor activities.
The rental market is limited, consisting primarily of single-family homes and small multi-family developments like Stover Estates, with low vacancy pressure.
The local economy is anchored by agriculture, small-business retail, and service-sector jobs supporting the nearby Lake of the Ozarks tourism industry.
Transportation is entirely reliant on private vehicles, with Highway 52 serving as the primary arterial route through the city.
Development is currently focused on small-scale residential infill and maintenance of existing infrastructure.
Morgan County Assessor manages property valuations based on annual market analysis and state-mandated assessment cycles.
Parcels are subject to Stover R-IV School District taxes and Morgan County general levies.
Property insurance premiums are influenced by regional exposure to severe weather events, including wind and hail damage common in Central Missouri.
Missouri is a non-judicial foreclosure state, allowing for relatively efficient trustee sales following proper notice.
Missouri requires sellers to provide a property disclosure statement detailing known material defects.
Data derived from Census Bureau ZCTA-level tables and World Population Review.
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.
- Jester's House4.318.9 mi
- Shady Gators4.318.2 mi
- H. Toad's Bar & Grill4.218.3 mi
- Jacob's Cave4.69.1 mi
- City Park4.68.3 mi
- Alhonna Resort & Marina4.418.4 mi
- Millstone Marina & RV Resort4.617.4 mi
- Mermaid Cove Marina & RV Resort4.714.4 mi
- Patriot Point Marina4.613.3 mi
- Gas Hole4.713.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Major regional destination for boating, fishing, and tourism located within a short drive.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.