City

Palm Harbor, FL

4 ZIP codes  ·  Pinellas County  ·  Florida

👥79,001Population
💰$81,831Median HH Income≈ Avg
🎂50.6Median Age
🏠$392,259Median Home Value▲ 41% above avg
🎓53.8%College Grads▲ 39% above avg
📊2.9%Unemployment▼ 42% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 48.1% Female 51.9% ♀

Race & Ethnicity

White: 82.6%Hispanic: 8.8%Black: 2.1%Asian: 2.8%Other: 3.2%Race
White82.6%
Hispanic8.8%
Black2.1%
Asian2.8%
Other3.2%

Age Breakdown

Under 5
4%
5–17
13%
18–24
6%
25–44
20%
45–64
29%
65+
11%

Key Indicators

Median Age50.6 yrs
Avg HH Size2.32
Below Poverty9.0% ▼ 10% below avg
College Grads53.8% ▲ 39% above avg
Unemployment2.9% ▼ 42% below avg
No HS Diploma479 (0.8%)
HS Graduate12,945 (22.2%)
Some College5,770 (9.9%)
Associates7,818 (13.4%)
Bachelors6,849 (11.8%)
Graduate Degree24,393 (41.9%)

Education

No HS: 0.8%HS Grad: 22.2%Some College: 9.9%Associates: 13.4%Bachelors: 11.8%Graduate: 41.9%Edu
No HS0.8%
HS Grad22.2%
Some College9.9%
Associates13.4%
Bachelors11.8%
Graduate41.9%
Housing & Income

Housing Tenure

Owner: 76.6%Renter: 23.4%Tenure
Owner76.6%
Renter23.4%

Home Value Distribution

Under $50k
3%
$50k–$100k
2%
$100k–$150k
4%
$150k–$200k
8%
$200k–$300k
18%
$300k–$500k
32%
Over $500k
32%

Financials

Median HH Income$81,831 ≈ Avg
Median Home Value$392,259 ▲ 41% above avg
Home/Income Ratio4.8x (nat avg ~3.5x)
Median Rent$1,750/mo
Total Housing Units37,918
Vacant Units4,078

Income Distribution

Under $25k
13%
$25k–$50k
14%
$50k–$75k
19%
$75k–$100k
14%
$100k–$150k
17%
$150k–$200k
10%
Over $200k
13%
Employment & Commute

How People Get to Work

Drove Alone
78%
Public Transit
0%
Walked
0%
Work From Home
21%

Commute Time

Under 15 min
22%
15–30 min
37%
30–45 min
23%
Over 45 min
18%
Housing Stock

Year Built

Before 1940
0%
1940s–1950s
2%
1960s–1970s
32%
1980s–1990s
13%
2000+
52%
About Palm Harbor, FL

Palm Harbor is a city in Florida, located in Pinellas County. The city spans 4 ZIP codes and is home to approximately 79,001 residents. It is a mature city, with a median age of 50.63 years.

Economically, Palm Harbor is a middle-income community. The median household income of $81,831 is near the national average. Approximately 9.0% of residents live below the poverty line. The unemployment rate is 2.9%, below the national average.

The real estate market in Palm Harbor is a mid-range housing market. Median home values stand at $392,259, which is above the national average. Renters typically pay around $1,749 per month. Homeownership is high at 76.6%, typical of suburban and family-oriented communities.

The population of Palm Harbor is well-educated. 53.8% of adults hold a bachelor's degree or higher — above the national average. The community is primarily White (82.55%).

Palm Harbor, FL offers residents above-average earning potential within Florida. Spread across 4 ZIP codes, the city's neighborhoods vary in character, density, and demographics — explore each ZIP code below for a detailed breakdown.

ZIP Codes in Palm Harbor
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
34683 34,180 $90,037 $424,200 $1,655 2.5% 56.2% 80.5%
34684 26,926 $67,542 $293,800 $1,781 3.0% 44.7% 71.7%
34685 17,895 $87,658 $479,400 $1,884 3.2% 62.9% 76.7%