ZIP Code 62538 — Harvel village, IL Demographics & Data

ZIP code 62538 covers Harvel, IL in Montgomery County with a population of about 444.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 217, 447; U.S. House district IL-15; the ST. LOUIS media market.

Median household income in ZIP 62538 is about $71,875 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 0.0%; 12.7% of adults with a bachelor’s degree or higher (about 21.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Transportation, and Food services; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $83,900 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $521 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 80.6% (about 15.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 62538 in Harvel, IL, a household would need roughly $23,000 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 $539. That sits below the local median household income ($71,875), 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 Harvel village, IL as Relatively Low (composite score 65.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (58.7) and hurricane (42.1). 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 Harvel village, IL show little to no average snow and around 38.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 62538 (Harvel village, IL) 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.