Housing in Harmony Township reflects its agricultural roots. The stock is dominated by detached single-family homes on generous lots, ranging from nineteenth-century farmhouses and rural colonials to newer custom-built homes on multi-acre parcels. Because so much of the township is active farmland and preserved open space, new construction has remained limited, and the housing supply tends toward established properties with privacy, barns or outbuildings, and room for horses or small-scale agriculture. The absence of a downtown core means that buyers typically choose Harmony for land and setting rather than walkability, with municipal services centered on the township hall along Belvidere Road.

Life in Harmony Township is paced by the seasons and the land. The township describes itself as a rural agricultural community, and that identity shows up in its working farms, roadside farm stands, and the small wineries that have taken root in the hills above the Delaware River, such as Little Ridge Vineyards. Community life is quiet and local, built around township events, agricultural fairs, and volunteer activities rather than a commercial nightlife. The combination of farmland, the Merrill Creek preserve, and the river valley gives residents ready access to outdoor pastimes, while Phillipsburg and Easton supply everyday conveniences a short drive away.

Public education is anchored by the Harmony Township School District, a one-school district serving students in pre-kindergarten through eighth grade from its campus on Belvidere Road. The small scale keeps class sizes modest and ties the school closely to the community. High school students attend Belvidere High School in neighboring Belvidere through a long-standing sending/receiving arrangement among Warren County's rural districts, giving Harmony families a full K-12 pathway while preserving the local elementary and middle school experience.

Harmony Township is oriented around County Road 519, its main north-south route, which connects U.S. Route 22 to the south and U.S. Route 46 to the north. Interstate 78 runs through the adjacent townships of Greenwich and Franklin, putting the Phillipsburg-Easton area and the bridges into Pennsylvania within a short drive. The township has no rail service of its own; most commuting is by car, with the Lehigh Valley's highway network and, farther east, New Jersey's Route 31 and Interstate 80 corridor providing regional connections.

The Merrill Creek Reservoir is Harmony Township's defining outdoor asset. The 650-acre lake is ringed by a 290-acre environmental preserve and about 2,000 acres of woods and fields, with a visitor center and a network of trails used for hiking, birding, and nature study; fishing and limited boating operate under a permit system that keeps the shoreline quiet. Bald eagles nest in the area. Beyond the reservoir, the Delaware River valley offers additional fishing and paddling opportunities, and the township's rural roads and farm lanes are popular for cycling and horseback riding.