Best Places65321, MO Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 65321, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
65321 ranks 23,157th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on a strong job market by a wide margin, and the weather ranks lowest.
The best neighborhoods in 65321
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
65321's strengths and weaknesses
Where 65321 ranks high
- Local economyBetter than 99% of zip codes
- Cheap childcare$429 a month, better than 98% of zip codes
- Disaster safetyBetter than 89% of zip codes
- State fiscal healthBetter than 74% of zip codes
- Housing crash safetyBetter than 74% of zip codes
Where 65321 ranks low
- Nice weatherabout 57 pleasant days a year, better than only 4% of zip codes
- Internet speedBetter than only 7% of zip codes
- BikingBetter than only 14% of zip codes
- Educational attainmentBetter than only 27% of zip codes
- Health outlookBetter than only 28% of zip codes
What it costs to buy a home in 65321
A household needs to earn about $32,000 a year to comfortably buy the median 65321 home, at 20% down and today's 30-year rate. That is below the area's own median income of $63,522, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 65321's effective rate of 0.65%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 4 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 65321
65321 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 65321.
Who works in 65321, and how
Work in 65321 centers on agriculture & forestry and retail trade. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 86%
- Work from home 7%
- Transit, walk, or bike 7%
Life in 65321
The map and measures below break down dining, culture, and green space by neighborhood across 65321.
What the weather is like in 65321, month by month
65321 sees roughly 57 pleasant days a year. July highs average about 87 degrees. January highs sit near 39, with lows near 24. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 39° | 30° | 24° |
| April | 67° | 55° | 46° |
| July | 87° | 77° | 68° |
| October | 69° | 57° | 48° |
Flying in and out of 65321
Kansas City International sits about 68 miles away. It is a medium hub and boarded 5.7 million passengers in 2025, with 104 nonstop destinations.
The best schools in and around 65321
Schools across 65321 average a C, better than 36% of zip codes.
Top elementary schools
- Santa Fe Elem.C · 34% proficient
- Malta Bend Elementary SchoolF · 10% proficient
Top high schools
- Malta Bend High SchoolB− · 42% proficient
- Santa Fe HighC+ · 37% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 65321 school and its grade on SchoolGrade.
65321 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 65321 against the other 33,109 zip codes.
Common questions about living in 65321
Is 65321 a good place to live?
Using BestNeighborhood's default rankings, 65321 ranks 23,157th of 33,110 zip codes. It scores highest on a strong job market, affordable childcare, and low disaster risk, and lowest on the weather and internet speeds. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 65321 expensive to live in?
The median home is worth $125,529. The overall cost of living runs about 18% below the national average. Set against a $63,522 median income, cost of living beats 42% of zip codes.
Is 65321 safe?
65321 is safer than 45% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $383 per resident a year.
Compare 65321 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 65321. Scores are absolute rather than ranked, which means a 60 in 65321 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
65321 detail on BestNeighborhood maps:
- Walk Grade for 65321: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 65321: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 65321: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 65321: carrier by carrier coverage behind the cell score.
65321 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.