ZIP Code 28634 — Harmony town, NC Demographics & Data

ZIP code 28634 covers Harmony, NC in Iredell County with a population of about 5,056.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area codes 704, 980; U.S. House district NC-10; the CHARLOTTE media market.

Median household income in ZIP 28634 is about $70,375 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 1.1%; 15.7% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Education; about 9.6% of workers reporting work-from-home (about 5.6 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 $125,700 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $722 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 81.9% (about 16.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28634 in Harmony, NC, a household would need roughly $35,000 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 $807. That sits below the local median household income ($70,375), 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 Harmony town, NC as Relatively Low (composite score 80.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.6) and hurricane (70.3). 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 town, NC show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 210 for ZIP 28634 (Harmony town, NC) 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.