ZIP Code 33983 — Harbour Heights CDP, FL Demographics & Data

ZIP code 33983 covers Harbour Heights, FL in Charlotte County with a population of about 18,230.

At a glance, the area shows median age of 56.6 versus a U.S. median of about 38.9.

It sits in telephone area code 941; U.S. House district FL-17; the FT. MYERS - NAPLES media market.

Harbour Heights, FL fits a retirement-oriented profile (high share of residents 65+ (36.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 33983 is about $67,705 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 8.6%; 22.5% of adults with a bachelor’s degree or higher (about 11.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 12.7% of workers reporting work-from-home (about 2.5 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 $324,100 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,204 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33983 in Harbour Heights, FL, a household would need roughly $89,000 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 $2,082. That is about 31% above the local median household income ($67,705), 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 Harbour Heights CDP, FL as Relatively High (composite score 95.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.0) and wildfire (92.5). 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 Harbour Heights CDP, FL show little to no average snow and around 53.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 816 for ZIP 33983 (Harbour Heights CDP, FL) 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.