ZIP Code 56364 — Harding city, MN Demographics & Data

ZIP code 56364 covers Harding, MN in Morrison County with a population of about 5,797.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area code 320; U.S. House district MN-7; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 56364 is about $77,440 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 2.4%; 16.0% of adults with a bachelor’s degree or higher (about 17.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.8% of workers reporting work-from-home (about 7.4 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 $239,500 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $697 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 84.7% (about 19.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56364 in Harding, MN, a household would need roughly $66,000 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 $1,538. That sits below the local median household income ($77,440), 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 Harding city, MN as Relatively Low (composite score 66.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (80.2) and wildfire (78.0). 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 Harding city, MN show little to no average snow and around 27.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 411 for ZIP 56364 (Harding city, MN) 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.