Harbor BluffsFL
Some 3,076 people live in this town, in Florida.
Is Harbor Bluffs a good place to live?
The weak point is cost of living: the typical home is worth about $659K, 8.9 years of the Tampa metro’s $74K median household income. Harbor Bluffs grades B− overall, better than 48% of U.S. towns. In the ranking it comes 179th of 634 in Florida. Hazard risk is weaker too — FEMA rates its natural-hazard risk higher than 61% of U.S. communities, with hurricanes at the top. Its strongest is incomes: the median household earns $141K. Elsewhere it is close to typical: B for schools and B− for walkability.
Figures: incomes, Census ACS, 2020–24 · home values, Zillow · FEMA National Risk Index · schools, state test and graduation results.
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 that grade. The median property tax bill is $4,343, against $2,730 across Florida, another input to its cost-of-living grade.
For households in Harbor Bluffs, the share who are owner-occupiers is 93%. The typical Harbor Bluffs home is worth about $659,000, up 3.1% in a year, 76% above the Florida typical home. A home in Harbor Bluffs typically sold within 33 days of listing.
Typical home value
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
On CDC estimates, Harbor Bluffs is healthier than 79% of U.S. towns
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 adults report frequent physical distress in Harbor Bluffs, below Florida’s towns (15%) and close to U.S. towns (14%). CDC measures, 31 in all: Harbor Bluffs beats Florida on 11 and trails on 3. Among adults here, 33% sleep under 7 hours.
| 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 of Harbor Bluffs’ workers leave town for work
Harbor Bluffs has 107 jobs for its 1,138 working residents: even if every job went to a resident, most would still commute out.
1% of working residents work locally in Harbor Bluffs, where Florida’s towns sit at 5% and U.S. towns at 8%. In Harbor Bluffs, 4.2% of residents live below the poverty line. Also worth knowing: this Florida town had 107 jobs in 2023, up 64 from 2013. For half of commuters, work is under 10 miles away.
| Harbor Bluffs | Florida towns | U.S. towns | |
|---|---|---|---|
| Median household income | $141,000 | $73,000 | $80,000 |
| 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
Expect 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°.
Snow is a rarity. In Harbor Bluffs, the January low is 52°F.
| 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
Top of a high hazard risk in Harbor Bluffs: hurricanes
Of the losses FEMA expects in Harbor Bluffs, 36% come from hurricanes and 32% from inland flooding. The national flood insurance program has paid 269 claims in the town since 2024. One declared disaster, in 2017, has brought federal aid to Harbor Bluffs households.
FEMA flood insurance claims · FEMA disaster declarations and aid · 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.
One park or preserve covers 3 acres in Harbor Bluffs.
| 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. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D.