63 homes sold in Harbor Bluffs in the last year, at a typical $834K
Almost every sale is a house. Below: what each kind of home sells for, what your budget buys, the best months to buy, how hard you’ll have to bid, and a shortcut to every site where Harbor Bluffs homes are listed.
Every place Harbor Bluffs homes are listed, in one stop
We don’t copy listings: the agents’ sites have the photos and the latest price changes. Set what you want once and we open each site already filtered to Harbor Bluffs.
For sale
Rent
New, land & open houses
Links open the listing sites; TownRatings isn’t paid for them and doesn’t rank one above another. Rentals and government-owned homes come from sources outside the MLS.
Houses are 100% of Harbor Bluffs’ sales, at a typical $834K
63 homes sold in the year to May 2026.
typical sale · 63 sold in 12 months
- Per square foot
- $366FL $245
- Days to sell
- 62
- Sold over asking
- 8%
- Listings with a price cut
- 38%
About as many homes sell as usual, at 2.4 times the 2016 price
63 sales in the last year, against 84 in 2015 and a low of 54 in 2022. The typical sale went from $342K in 2016 to $834K.
Source: Redfin Data Center, MLS sales. Typical price and $/sq ft are the monthly medians, weighted by sales.
What $850K buys in Harbor Bluffs
Check a listing against what Harbor Bluffs homes sold for
Against the town’s median price per square foot over the last 12 months. A rough check: condition, lot and location within town move a price more than this can see.
Bidding wars in Harbor Bluffs are back to pre-pandemic levels, with about as many homes for sale
We read every month of Harbor Bluffs’ home sales since 2012 so you don’t have to. Each figure covers 12 months, because a single month in a town is too few sales to mean much. Latest: the year to May 2026, 63 sales.
If you’re buying in Harbor Bluffs
- Shop in February. It brings about 9 new listings a month, close to the busiest month, with fewer bidding wars (8% over asking).
- You can negotiate. 38% of listings have cut their price, against 30% before the pandemic.
- Offer under asking. Buyers paid 95.2% of the list price on average; 8% paid over.
- You’ll usually have time. Only 26% of homes go under contract within two weeks; the typical one takes 62 days.
Spring brings both the most homes and the most bidding wars
May has the most new listings (about 9 a month), but March is the most competitive: 19% of March sales close over asking. February offers nearly as much choice with fewer homes bid up (8%). December has the least competition (6%) but only about 5 new listings.
Averages for each calendar month, 2015 on.
Calmer than the 2021 frenzy, and about like Florida as a whole
| Harbor Bluffs now | 2017–19 | 2021 peak | FL now | |
|---|---|---|---|---|
| Sold over askingShare of sales that closed above the list price | 8% | 9% | 35% | 10% |
| Gone within two weeksShare of homes under contract within 14 days | 26% | 27% | 55% | 20% |
| Listings with a price cutShare of homes for sale that cut their price | 38% | 30% | 26% | 28% |
| Price paid vs. askingAverage sale price ÷ list price | 95.2% | 95.8% | 100% | 96.3% |
| Days to sellMedian days from listing to contract | 62 | 60 | 16 | 76 |
27 homes for sale on a typical day
That’s 4.3 times the 2021 low (6), about the 2017–19 level and well under 2012’s 40.
1 in 3 listings has cut its price
38% in the last year, against 30% in 2017–19 and 28% across Florida. More sellers are pricing high and coming down.
Harbor Bluffs ranks 312th of 534 busy Florida markets for bidding wars
Share of sales over asking in the last year, among towns with 60 or more sales. Harbor Bluffs is in the middle of the pack.
Source: Redfin Data Center, city market tracker, January 2012 to May 2026 (MLS sales, not seasonally adjusted). Ratios are weighted by homes sold; price cuts by homes for sale.
Owning the typical Harbor Bluffs home costs about $4,800 a month
Price: Harbor Bluffs’ typical sale, last 12 months. Property tax at Harbor Bluffs’ 0.7% (median bill ÷ median value, Census ACS); insurance at 0.35% of price a year. Before PMI, HOA dues, upkeep and the tax deduction. Whether Harbor Bluffs is affordable on local pay is on Cost of living.
Six things worth knowing
New listings in May
The month with the most choice. December has the fewest, about 5.
Best time to buyProperty tax, a year
Of a home’s value: the median bill over the median home value. On a $834K home, about $5,380 a year.
Taxes vs. neighborsSchools
The schools grade for Harbor Bluffs, from test results, graduation and how much students grow.
Schools in Harbor BluffsTypical commute
The average one-way trip to work for people who live in Harbor Bluffs.
Work & commuteCheck the flood map
Flood insurance isn’t in a standard policy, and lenders require it in FEMA flood zones. Check the address before you make an offer.
Natural hazardsLook up any property
Assessed value, lot size and every past sale of a home you’re eyeing are public, at the town or county assessor and the registry of deeds.
Belleair Bluffs, Ridgecrest and Largo sell for less a square foot; Indian Rocks Beach and Belleair Beach for far more
The busier markets within 25 miles of Harbor Bluffs, by what sold. Prices, taxes and how far a paycheck goes next door are on Cost of living.
| Sold | Typical sale | $/sq ft | Over asking | Days to sell | |
|---|---|---|---|---|---|
| Largo | 982 | $352K | $243 | 12% | 48 |
| Indian Rocks Beach | 151 | $941K | $574 | 4% | 85 |
| Belleair | 109 | $776K | $394 | 7% | 67 |
| Harbor Bluffs | 63 | $834K | $366 | 8% | 62 |
| Belleair Bluffs | 55 | $304K | $248 | 4% | 111 |
| Belleair Beach | 48 | $1M | $511 | 8% | 104 |
| Ridgecrest | 27 | $278K | $221 | 41% | 60 |
Redfin Data Center, June 2025 to May 2026. Towns with fewer than 20 sales are left out, and Redfin doesn’t report every town separately.
Post your home to Harbor Bluffs, free
Selling it yourself, renting out an apartment or looking for a roommate? Post it to Harbor Bluffs. People who follow the town see it, and so do people comparing Harbor Bluffs with their own town. No commission, no listing fee.
Questions about buying a home in Harbor Bluffs
What do homes sell for in Harbor Bluffs, FL?
63 homes sold in the year to May 2026 at a typical $834K, $366 a square foot.
Is Harbor Bluffs a buyer’s or seller’s market?
A seller’s market: 22 homes were for sale in May 2026 and 7 sold, about 3.1 months of supply. Buyers paid 95.2% of asking on average, and 38% of listings cut their price.
When is the best time to buy in Harbor Bluffs?
May brings the most new listings. The sales history shows which months have fewer bidding wars.
How much are property taxes in Harbor Bluffs?
About 0.7% of a home’s value a year. On a $834K home that’s near $5,380.
Where can I see homes for sale in Harbor Bluffs?
Zillow, Redfin, Realtor.com and Homes.com all carry Harbor Bluffs’ MLS listings; the search links above open each one filtered to Harbor Bluffs.
Sales, prices, days on market and listings: Redfin Data Center (MLS, monthly, not seasonally adjusted). Property tax rate: Census American Community Survey. Two-bedroom rent: HUD Fair Market Rent. Typical home value: Zillow Home Value Index. Schools grade: TownRatings (how grades work).