ZIP Code 02857 — Harmony CDP, RI Demographics & Data

ZIP code 02857 covers Harmony, RI in Providence County with a population of about 8,095.

At a glance, the area shows median age of 51.4 versus a U.S. median of about 38.9.

It sits in telephone area code 401; U.S. House district RI-2; the PROVIDENCE - NEW BEDFORD media market.

Median household income in ZIP 02857 is about $108,813 — about 45% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 2.4%; 37.7% of adults with a bachelor’s degree or higher (about 4.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 11.7% of workers reporting work-from-home (about 3.5 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 $387,500 — about 11% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,235 (about 6% above the U.S. median rent ($1,163)), and owner-occupancy near 83.2% (about 17.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02857 in Harmony, RI, a household would need roughly $107,000 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 $2,489. That is roughly in line with the local median household income ($108,813). 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 Harmony CDP, RI as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are flood (96.6) and hurricane (91.7). 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 Harmony CDP, RI show little to no average snow and around 53.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 299 for ZIP 02857 (Harmony CDP, RI) 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.