ZIP Code 64750 — Harwood village, MO Demographics & Data

ZIP code 64750 covers Harwood, MO in Vernon County with a population of about 340.

At a glance, the area shows median age of 34.6 versus a U.S. median of about 38.9.

It sits in telephone area code 417; U.S. House district MO-4; the JOPLIN - PITTSBURG media market.

Median household income in ZIP 64750 is about $37,414 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 6.6%; 13.6% of adults with a bachelor’s degree or higher (about 20.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Manufacturing, and Healthcare; about 19.5% of workers reporting work-from-home (about 4.3 points above the U.S. share (15.2%)); a mean commute of about 91.0 minutes (U.S. average near 26.8).

Median home value is about $200,000 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.4% (about 25.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64750 in Harwood, MO, a household would need roughly $55,000 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 $1,285. That is about 47% above the local median household income ($37,414), so the median earner would likely stretch or need a larger down payment. 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 Harwood village, MO as Relatively Low (composite score 46.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (49.8) and hurricane (31.0). 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 Harwood village, MO show little to no average snow and around 48.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 64750 (Harwood village, MO) 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.