Harbor BluffsFL
A town of 3,076.
Is Harbor Bluffs a good place to live?
Harbor Bluffs grades B− overall, 179th of 634 graded towns in Florida, with clear strengths and some subjects that lag. The median household earns $141K and CDC estimates put its residents' health ahead of 79% of the country. On the other side, the typical home is worth about $659K, 8.9 years of the Tampa metro’s $74K median household income. Harbor Bluffs’ median household income is $141,000, against $73,000 in Florida’s towns and $80,000 across U.S. towns.
Harbor Bluffs lives by the ocean
Coastal flooding makes up 12% of the storm damage FEMA expects here.
- Harbor Bluffs Park
FEMA National Risk Index · OpenFEMA · OpenStreetMap
How Harbor Bluffs grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Harbor Bluffs is from typical.
How TownRatings grades towns →
Tropicana Field and 51 more within 40 miles
Museums, parks, gardens and other places to visit around Harbor Bluffs. Close and well known come first.
Big draw14 mi Stadium & arenaTropicana Field
Big draw20 mi Stadium & arenaRaymond James Stadium
28 mi BeachAnna Maria Island
23 mi Stadium & arenaBenchmark International Arena
26 mi Theme parkBusch Gardens Tampa4.0M visitors a year
15 mi MuseumSalvador Dalí MuseumPhoto credits
Tropicana Field: EaglesFanInTampa, CC BY-SA 3.0 · Raymond James Stadium: NASA, Public domain · Anna Maria Island: Bfpage at English Wikipedia, CC BY 3.0 · Benchmark International Arena: Miosotis Jade, CC BY-SA 4.0 · Busch Gardens Tampa: Wolle8ball, CC BY 3.0 · Salvador Dalí Museum: Taty2007, CC BY 3.0
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Moving to Harbor Bluffs: who provides what
Harbor Bluffs is unincorporated, so Pinellas County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
The data
Ordered by what stands out in Harbor Bluffs.
Harbor Bluffs has milder winter nights than nearly all U.S. towns and has less no health insurance than most of Florida, but it has homes that cost more against local pay than most of Florida.
Harbor Bluffs earns a D for cost of living
At 8.9 years of the Tampa metro’s $74K median household income, the typical home (about $659K) costs more against local pay than in 93% of Florida towns; that ratio is one input to its D for cost of living. The median property tax bill is $4,343, against $2,730 across Florida, another input to its cost-of-living grade.
93% of households own their home in Harbor Bluffs. The typical Harbor Bluffs home is worth about $659,000, up 3.1% in a year, 76% above the Florida typical home.
Typical home value
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Harbor Bluffs earns an A− for health
Its widest gap with Florida is no health insurance: 7.9% of those 18–64 have no health insurance, against 15.9% statewide. Against the 3,481 U.S. towns with household incomes like Harbor Bluffs’s, it is less healthy than 69%: its national edge comes with its incomes.
14% of Harbor Bluffs adults report frequent mental distress. Harbor Bluffs beats the Florida average on 11 of 31 CDC measures and trails it on 3. 20% of Harbor Bluffs adults get no exercise outside work.
| Harbor Bluffs | Florida towns | U.S. towns | |
|---|---|---|---|
| Frequent mental distress (CDC PLACES) | 14% | 16% | 17% |
| Get no exercise (CDC PLACES) | 20% | 25% | 25% |
| Sleep under 7 hours (CDC PLACES) | 33% | 37% | 36% |
| Food insecurity (CDC PLACES) | 8.9% | 15% | 14% |
| What stands out | Harbor Bluffs | FL |
|---|---|---|
| Fewer uninsured adults | 7.9% | 15.9% |
| Fewer adults facing food insecurity | 8.9% | 16.8% |
| More adults who have had cancer | 12.9% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Most working residents commute out of Harbor Bluffs
Harbor Bluffs has 107 jobs for its 1,138 working residents: even if every job went to a resident, most would still commute out.
Most working residents leave Harbor Bluffs for work: only 1% work in town. Jobs based in Harbor Bluffs grew to 107 in 2023, 64 more than in 2013. The top destinations are Largo (16%), Clearwater (13%) and St.
| Harbor Bluffs | Florida towns | U.S. towns | |
|---|---|---|---|
| Below the poverty line | 4.2% | 11% | 9.6% |
| Working residents who work in town | 1% | 5% | 8% |
| Average trip to work | 26 minutes | 27 minutes | 25 minutes |
Where working residents work
Census LEHD 2023 · ACS
Mild winters and hot summers in Harbor Bluffs
January nights average 52.1°, milder than in 99% of U.S. towns; July afternoons average 90.2°.
Harbor Bluffs has warm winters and warm summers, with plenty of rain. The January low in Harbor Bluffs is 52°F. Snow is almost unheard of.
| Harbor Bluffs | Florida towns | U.S. towns | |
|---|---|---|---|
| January low | 52°F | 51°F | 22°F |
| July high | 90°F | 91°F | 85°F |
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
Hurricanes leads a high hazard risk in Harbor Bluffs
Expected storm and flood damage is higher than in 61% of U.S. communities. Since 2024, 269 flood insurance claims have been paid out in Harbor Bluffs.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Conserved land covers 0.4% of Harbor Bluffs
Just 3 of its 607 acres are conserved, so there is little public open land in Harbor Bluffs itself; its outdoors grade is D.
0.0 miles of trail in 1 park or preserve.
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Harbor Bluffs Park | — | 3 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Everything we know about Harbor Bluffs
Colleges nearby
3 within 15 miles of the center of Harbor Bluffs
About 7 of every 100 Harbor Bluffs residents are enrolled in college, about the same as Florida.
99% of working residents leave Harbor Bluffs for work
Where Harbor Bluffs’s working residents go each day. Line width shows the share.
Census LEHD 2023
About Harbor Bluffs
Census-designated place in Florida, United States
Harbor Bluffs is a census-designated place (CDP) in Pinellas County, Florida, United States. As of the 2020 census, Harbor Bluffs had a population of 2,646.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 1.0 sq mi
- Elevation
- 10 ft
- Area code
- 727
Harbor Bluffs’s neighbors
3 towns share a border with Harbor Bluffs.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Harbor Bluffs | #179 | B− | D | — | B | A− |
| Largo | #366 | C | C | C | B | B− |
| Belleair Bluffs | — | — | D | B | B | B− |
| Indian Rocks Beach | #240 | C+ | D− | C+ | B | B+ |
Belleair Bluffs has fewer than 2,500 residents, so it gets subject grades but no overall grade. Harbor Bluffs reports no FBI crime data of its own. Compare Harbor Bluffs with a neighbor →
Questions about Harbor Bluffs
Short answers, built from the data on this page.
Is Harbor Bluffs, FL a good place to live?
Harbor Bluffs grades B− overall, better than 48% of U.S. towns and #179 of 634 in Florida. It grades A− for health and B for schools. Cost of living is its weak spot, with a D.
Is Harbor Bluffs, FL expensive?
Yes. Petersburg-Clearwater, FL metro area). Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D.