ZIP Code 47853 — Harmony town, IN Demographics & Data

ZIP code 47853 covers Harmony, IN in Clay County with a population of about 117.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 812, 930; U.S. House district IN-8; the TERRE HAUTE media market.

Median household income in ZIP 47853 is about $60,139 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 0.0%; 11.1% of adults with a bachelor’s degree or higher (about 22.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Education; a mean commute of about 55.0 minutes (U.S. average near 26.8).

Median home value is about $134,700 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $725 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 68.6% (about 3.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 47853 in Harmony, IN, a household would need roughly $37,000 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 $865. That sits below the local median household income ($60,139), 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, IN as Very Low (composite score 27.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (34.2) and hurricane (18.4). 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, IN show little to no average snow and around 46.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 47853 (Harmony town, IN) 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.