| ZIP Code | 34685 |
|---|---|
| City | Palm Harbor |
| State | Florida (FL) |
| County | Pinellas County |
| Area Code | 727 |
| Elevation | 10 ft |
| Latitude | 28.093255 |
|---|---|
| Longitude | -82.689402 |
| Timezone | New York (DST) |
| FIPS | 12103 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.7 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.45 |
| Below Poverty | 5.0% ▼ 51% below avg |
| College Grads | 62.9% ▲ 62% above avg |
| Unemployment | 3.2% ▼ 34% below avg |
| No HS Diploma | 59 (0.5%) |
| HS Graduate | 2,074 (16.3%) |
| Some College | 1,090 (8.6%) |
| Associates | 1,502 (11.8%) |
| Bachelors | 1,732 (13.6%) |
| Graduate Degree | 6,286 (49.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $87,658 ▲ 15% above avg ↑ 6% since 2019 |
|---|---|
| Median Home Value | $479,400 ▲ 72% above avg ↑ 35% since 2019 |
| Home/Income Ratio | 5.5x (nat avg ~3.5x) |
| Median Rent | $1,884/mo ↑ 41% since 2019 |
| Total Units | 7,924 |
| Vacant Units | 638 |
| Avg HH Size | 2.45 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 7,924 |
|---|---|
| Vacant | 638 |
| Owner Occupied | 76.7% |
| Renter Occupied | 23.3% |
| Avg HH Size | 2.45 |
ZIP code 34685 is located in Palm Harbor, Florida, within Pinellas County. With a population of 17,895, this is a moderately populated ZIP code with a mature community — the median age is 48.7 years. Economically, 34685 is a middle-income ZIP code: the median household income of $87,658 is near the national average.
Real estate in ZIP code 34685 represents a premium housing market. The median home value of $479,400 is significantly above the national average. Renters can expect to pay around $1,884 per month in median rent. Homeownership is strong here — 76.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 35% since 2019.
The population of 34685 is primarily White (78.80%). Residents are highly educated — 62.9% hold a bachelor's degree or higher, which is significantly above the national average. Poverty affects a relatively small share of residents at 5.0%. Household income has grown by 6% since 2019.
The unemployment rate in 34685 stands at 3.2%, which is below the national average. About 23% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 70%.
Overall, ZIP code 34685 in Palm Harbor, FL is characterized as middle-income, highly educated, a mature community, and predominantly owner-occupied. With 17,895 residents, a median household income of $87,658, and a median home value of $479,400, it offers a clear picture of life in this part of Florida.