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Place dossier plate
SheetMN-HARDING-MN · Harding, MN 138 pop · income 49th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Harding
Lowest/highest poles plus peers nearest Harding on median household income. Full ladder: /browse and /rankings.
median HH income
Borup · lowest
42,386
Borup · lowest
42,386 median HH income
33.2% of the leader · rank #1
Harding · this city
70,000
Harding · this city
70,000 median HH income
54.8% of the leader · rank #2
Steele · near
70,000
Steele · near
70,000 median HH income
54.8% of the leader · rank #3
Kasigluk · near
70,000
Kasigluk · near
70,000 median HH income
54.8% of the leader · rank #4
Crawfordsville · near
70,000
Crawfordsville · near
70,000 median HH income
54.8% of the leader · rank #5
Norman · near
70,000
Norman · near
70,000 median HH income
54.8% of the leader · rank #6
Dumont · highest
127,813
Dumont · highest
127,813 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Harding on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 138.
Nationally, Harding sits in the 49th percentile for household income among US cities with a population of 1,000 or more. Source: Census ACS.
49th
percentile, household income
30th
percentile, home value
36th
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Harding, MN
Minnesota's Harding is a small town, with 138 residents per the latest Census Bureau ACS figures. Median household income here is $70,000 per year, below the median for U.S. cities on this measure, with a poverty rate of 5.7%. Home values in Harding run a median of $159,700, and the median resident age is 50.5 years. About 9.1% of adults hold a bachelor's degree or higher, while 45.0% of working-age residents are in the labor force.
In 2024, 0 residential building permits were authorized in Harding (No Permits), per Census BPS data.
Minnesota tracks close to the national cost-of-living baseline: the state registers 98.6 on a 100-equals-national-average index (Near Average) per BEA Regional Price Parities 2024. HUD Fair Market Rent for a typical two-bedroom in this state is $1,125 per month. Statewide, average monthly utility bills in Minnesota run around $225, per EIA 2023 residential energy data. On FEMA's National Risk Index, this area rates 42.4 out of 100 for natural-hazard exposure (Low).
A decision-led reading path
Useful questions to ask of Harding's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from population change to housing and income to comparison shortlist to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Harding, city-specific coverage includes commute-mode shares, annual population history, local building permits.
No matched row is reported here for FBI reported-crime rates, within-city Census tract profiles, matched public-school count; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
Is Harding growing, shrinking, or holding steady?
Census PEP estimates show the population declined by -1 residents from 2020 to 2025, a -0.8% change. Separately, Census BPS recorded 0 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
The recent population line is broadly flat. That makes the composition of change more important than the headline count: housing turnover, household size, and age structure can shift even when the total barely moves.
How far does income reach against housing in Harding?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. The ratio makes housing the clearest place to start this profile, but a low multiple can coexist with slow demand, older stock, or household-level hardship. Compare the home-value distribution and same-state peer table before treating it as an advantage.
The home-value-to-income reference is relatively compact: the ACS median home value is 2.3 times median household income. The ACS poverty estimate is 5.7%, which keeps the citywide median from describing every household.
Which cities make useful reference points for Harding?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Within Minnesota, the closest population matches are Dumont (138 residents, $127,813 income); Borup (137 residents, $42,386 income); Leota (139 residents, $56,563 income). Outside the state, the closest population matches in this dataset are Black Springs, AR (138 residents); Winchester, AR (138 residents); East Nicolaus, CA (138 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
What does the journey to work look like in Harding?
Driving alone is the largest reported mode at 74.1%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
Below median income · poverty 5.7% (Below-median poverty)
Cost of Living Index (state)
98.6 (US=100)
Above-average cost · BEA RPP 2024, Minnesota average
D
City profile score · Harding, MN
43/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Poverty rate C+
5.7%
Share of residents below the poverty line; lower scores better on this axis.
Household income D
$70,000
Median household income vs U.S. cities (pop ≥1,000); ACS.
Cost of living D
98.6 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bachelor's+ share F
9.1%
Adults with a bachelor's degree or higher; ACS.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Harding profile (scored ACS/FBI dimensions)Read the chart values
Poverty rate: 61/100 (C+) · 5.7%
Household income: 49/100 (D) · $70,000
Cost of living: 46/100 (D) · 98.6 index
Bachelor's+ share: 4/100 (F) · 9.1%
How does Harding compare to other US cities?
Where Harding sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.
Household income49% higher than other cities
Home value30% pricier than other cities
Median rent36% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Harding against every qualifying US city; each in-state rank narrows that to Minnesota only. Full formula and direction notes: methodology.
Minnesota-relative analysis
Median Gross Rent places Harding near the bottom of Minnesota's cities
Among the 785 Minnesota cities PlainCities tracks with reported median gross rent data, Harding ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Harding only against its own state's cities, not the full US field.
Median Household Income
#357 of 775
54th percentile in Minnesota
Median Gross Rent
#1 of 785
0th percentile in Minnesota
Median Home Value
#427 of 774
45th percentile in Minnesota
Poverty Rate
#369 of 785
52nd percentile in Minnesota
Bachelor's Degree or Higher
#699 of 784
11th percentile in Minnesota
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Minnesota only, not a livability score. See the methodology for the source and calculation.
Gauge source note
49th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Harding's home value compares nationally
Median home value vs. every US city (population 1,000+)
$159,700Among the most affordablemore affordable than 70% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Harding's home-value-to-income ratio: 2.3×
ACS median home value divided by median household income.
Band
affordable
< 3.0×
National rank
#2,854 of 15,516
More affordable than 82% of tracked cities (pop. 1,000+)
Size class
#2,643 of 11,323
Micro cities (under 10,000)
At 2.3×, Harding sits in the affordable band:
national rank #2,854 of 15,516 and #2,643 of 11,323micro cities (under 10,000).
The multiple is comparatively compact among tracked cities, but a low ratio can still coexist with slow demand or household-level hardship.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$70,000Harding, MN median household income (Census ACS)
Show U.S. national quintile / Lorenz context Harding, MN median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Harding, MN.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)9.1%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)5.7%
Census ACS S1701, poverty status
Labor force participation (adults 16+)45.0%
Census ACS S2301, share of working-age residents in the labor force
Population
138
Median Income
$70,000
Median Home Value
$159,700
Median Age
50.5
Poverty Rate
5.7%
Labor force participation
45.0%
Bachelor's Degree+
9.1%
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Harding's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
125 residents
2021
125 residents
2022
124 residents
2023
126 residents
2024
125 residents
2025
124 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
Total Permits (2024)
0
housing units authorized
Single-Family
0
detached homes
Multifamily
0
apartments & condos
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
0
0
0
-
2020
0
0
0
-
2021
0
0
0
-
2022
0
0
0
-
2023
0
0
0
-
2024
0
0
0
-
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
74.1%
Carpool
5.6%
Public Transit
0.0%
Walk
0.0%
Work from Home
20.4%
Based on 54 workers 16 and over.
Monthly Utility Costs
Minnesota statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Minnesota at $225 (electricity about $95 , water and sewer about $45 ).
These are Minnesota statewide averages, not a meter reading for Harding. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Minnesota's BEA cost-of-living index is 98.6 (Near Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Harding is $1,125/mo. FEMA's National Risk Index, averaged to Minnesota statewide on PlainCities, rates natural-hazard exposure at 42.4 / 100 (Low).
Cost/risk geography note
Cost of living is a Minnesota statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Harding sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Harding compares to similar-size Minnesota cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.