ZIP Code 25524 — Harts CDP, WV Demographics & Data

ZIP code 25524 covers Harts, WV in Lincoln County with a population of about 2,373.

At a glance, the area shows median age of 51.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 304, 681; U.S. House district WV-1; the CHARLESTON - HUNTINGTON media market.

Median household income in ZIP 25524 is about $39,976 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 28.2%; unemployment rate near 4.0%; 7.6% of adults with a bachelor’s degree or higher (about 26.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Mining; about 3.8% of workers reporting work-from-home (about 11.4 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 $87,400 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.5% (about 21.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 25524 in Harts, WV, a household would need roughly $24,000 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 $561. That sits below the local median household income ($39,976), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Harts CDP, WV as Relatively Low (composite score 59.7), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.7) and wildfire (72.0). 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 Harts CDP, WV show little to no average snow and around 49.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 88 for ZIP 25524 (Harts CDP, WV) 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.