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Harmony CDP, RI

ZIP 02857 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02857

Median Home Value
$387,500
Median Rent
$1,235
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,489/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 02857 in Harmony CDP, RI, a household would need roughly $107,000 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 $2,489. That is roughly in line with the local median household income ($108,813). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.2%+27% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
7.9%-39% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
25.6%-49% vs US avg
x
Mortgage-Free
29.6%-22% vs US avg
x
$387,500
Home Value
$1,235
Rent
1961
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached91.4%
  • 1-unit attached1.0%
  • 2-9 units6.8%
  • 10+ units0.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,500
Median rent$1,235
Owner-occupied83.2%
Vacant4.7%
Price-to-income3.6x
Est. income to buy$107,000