Sunsethoneymoonislandsp, 2007
Palm Harbor’s story
101 years in pictures
Census counts: 5,215 in 1980, 61,366 in 2020. The archive holds 6 old photos and papers going back to 2007 and 4 maps from 1943 on.
- 1925Palm Harbor is settled
Palm HarborFL
The city, settled in 1925, counts 61,512 residents.
4 bordering townsMap →
Photo: Mary Marconi, Coldwell Banker Realtor Palm Harbor, FL · CC BY-SA 4.0
Population
61,512
Census survey, 2020–24
Typical home
$402K
−0.3% in a year
Household income
$79K
median
Median age
50.9
years
Jobs based here
16,911
A commuter town
TownGrade
C+
#216 of 634 in FL
Is Palm Harbor a good place to live?
The weak point is cost of living (D): the typical home is worth about $402K, 5.4 years of the Tampa metro’s $74K median household income. At C+ overall, Palm Harbor ranks 216th of 634 in Florida. That leaves it better than 44% of U.S. towns. It also trails on hazard risk (C): FEMA rates its natural-hazard risk higher than 63% of U.S. communities, with hurricanes at the top. Its strongest subject is health (B+): residents are healthier than 71% of U.S. towns on CDC estimates. Incomes are a strength too — the median household earns $79K. The biggest place to walk is Wall Springs Park, 49 acres with 1.2 miles of trail. 29% of residents are 65 or older locally, against 20% in Florida’s towns and 18% across U.S. towns.
Figures: health, CDC PLACES · incomes, Census ACS, 2020–24 · home values, Zillow · FEMA National Risk Index · OpenStreetMap.
WeakestDCost of living
What makes Palm Harbor stand out
Where Palm Harbor beats most towns.
A commuter town
90% of working residents leave Palm Harbor for work
Where Palm Harbor’s working residents go each day. Line width shows the share.
16,911jobs based in Palm Harbor
10%of working residents work in town
13 mimedian commute distance
Census LEHD 2023
How Palm Harbor grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Palm Harbor is from typical.
Cost of livingIn the bottom fifth of the towns comparedDOpen →HealthAdventhealth North Pinellas 3.3 miles awayB+Open →WalkabilityEPA walkability 10.6 of 20; 7.7% of households have no carB+Open →Jobs & incomeBased on what households earn, poverty and workB+Open →Hazard riskHurricanes top the listCOpen →SchoolsClose to the middle of the towns comparedBOpen →
Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.
ClimateMild winters, 90° summer afternoons–Open →Housing market$402K typical home, down 0.3% in a year; 52 days on market–Open →
How TownRatings grades towns →
Getting set up
Moving to Palm Harbor: who provides what
Palm Harbor is unincorporated, so Pinellas County and regional agencies provide most services.
PowerDuke Energy18.4¢/kWh · EIA 2025HIFLD · EIA
WaterPinellas County UtilitiesNo health-based violations in 5 years · EPAEPA
Internet7 providers97% of addresses get 100/20 MbpsFCC
Trash & county servicesPinellas CountyPinellas County provides services here
Register to voteOnlineIn Florida you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.govWho runs elections herePinellas Supervisor of ElectionsPinellas County; contacts on the Handbook page.FVAP, Nov 2023
ZIP codes34683, 34684, 3468134683 52% · 34684 44% · 34681 3%Census 2020
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 Palm Harbor.
Palm Harbor has milder winter nights than nearly all U.S. towns, has less no health insurance than most of Florida and has home values still below their peak.
Work & commuteJobs & income grade B+
Most of Palm Harbor’s workers head elsewhere: there are 0.7 jobs for each of them
Jobs based here grew from 12,944 in 2013 to 16,911.
For workers in Palm Harbor, the share who work from home is 23%. Most people who work leave Palm Harbor to do it: just 10% work in town. Jobs based in Palm Harbor grew to 16,911 in 2023, 3,967 more than in 2013. Half commute less than 13 miles.
10%work in town
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Work from home | 23% | 14% | 11% |
| Working residents who work in town | 9.8% | 5% | 8% |
| Average trip to work | 27 minutes | 27 minutes | 25 minutes |
Where working residents work
In Palm Harbor10%
Clearwater12%
Tampa10%
Largo9%
St. Petersburg5%
13 mi
median commute distance
16,911
jobs based in Palm Harbor
A commuter town
jobs vs. working residents
B+
Walkability grade: more walkable than 71% of U.S. towns
Census LEHD 2023 · ACS
SchoolsB
Palm Harbor’s schools rank ahead of 58% of Florida districts
The Pinellas school district runs its public schools. Three of its 16 schools are shown below, with the reason for each. Public school enrollment in Palm Harbor: 3,270 students across 6 schools.
58%of FL districts it outscoresBSchool Grade
| School | Level | Students | Letter |
|---|---|---|---|
| Palm Harbor Middle SchoolLargest public middle schoolGrades 6–8 | Grades 6–8 | 1,017 | B+ |
| Palm Harbor University HighLargest public high schoolGrades 9–12 | Grades 9–12 | 2,413 | A− |
| Elisa Nelson ElementaryTop results in townGrades 1–5 | Grades 1–5 | 421 | A+ |
NCES · EDFacts · graded within FL on state tests and graduation
HealthB+
For health, Palm Harbor earns a B+
Its widest gap with Florida is no health insurance: 9.4% of those 18–64 have no health insurance, against 15.9% statewide.
Among adults in Palm Harbor, 80% had a checkup this year. Of 31 CDC measures, Palm Harbor beats the Florida average on 10 and trails it on 2. 15% of adults in Palm Harbor report frequent mental distress; 20% have been diagnosed with depression.
71%healthier than U.S. townsB+Health Grade
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Sleep under 7 hours (CDC PLACES) | 34% | 37% | 36% |
| Frequent mental distress (CDC PLACES) | 15% | 16% | 17% |
| Depression (CDC PLACES) | 20% | 18% | 23% |
| Food insecurity (CDC PLACES) | 10% | 15% | 14% |
31 measures vs. Florida
10 better19 too close to call2 worse
| What stands out | Palm Harbor | FL |
|---|---|---|
| Fewer uninsured adults | 9.4% | 15.9% |
| Fewer adults facing food insecurity | 10.4% | 16.8% |
| More adults who have had cancer | 12.5% | 9.1% |
Adventhealth North Pinellas
3.3 mi away · emergency room
1 of 3
care shortages: mental health
68th
percentile among FL towns
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Climate
Expect mild winters and hot summers in Palm Harbor
January nights average 51.2°, milder than in 99% of U.S. towns; July afternoons average 90.2°.
The January low for Palm Harbor comes to 51°F. It almost never snows.
90°summer high
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| January low | 51°F | 51°F | 22°F |
| July high | 90°F | 91°F | 85°F |
Typical low → high °F
Winter53–71°
Spring64–81°
Summer76–90°
Fall68–83°
+1.5°
vs. the 20th-century average
90°
typical summer high
NOAA U.S. Climate Normals, 1991–2020
Who lives here
Older than Florida overall
People 65 and older are 29% of residents (21% statewide); adults 18 to 34 are 15% of residents (21% statewide). Palm Harbor’s median age is 50.9 years. 41% of adults 25 and older have a bachelor’s degree or more, vs 34% across Florida. In Palm Harbor, 17% of residents are under 18.
50.9median age · FL 42.6
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Aged 65 or older | 29% | 20% | 18% |
| Median age | 50.9 years | 42.4 years | 40.5 years |
| Under 18 | 17% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 41% | 31% | 29% |
Palm HarborFloridaUnited States
Ages · share of residents
17%
Education · adults 25 and older
No diploma4%
High school24%
Some college21%
Associate’s11%
Bachelor’s27%
Graduate14%
Women and men · all residents
51% women, 49% men
About 95 men for every 100 women (the survey’s margin: ±1.2 points). Across Florida, 50.9% of residents are women. Median age: women 54.4, men 47.0.
| Palm Harbor | FL | U.S. | |
|---|---|---|---|
| Under 10 | 8.3% | 10.3% | 11.6% |
| 10 to 17 | 8.7% | 9.2% | 10.3% |
| 18 to 24 | 5.7% | 8.1% | 9.1% |
| 25 to 34 | 9.2% | 12.7% | 13.7% |
| 35 to 44 | 10.8% | 12.7% | 13.2% |
| 45 to 54 | 12.1% | 12.3% | 12.2% |
| 55 to 64 | 16.6% | 13.4% | 12.7% |
| 65 to 74 | 14.7% | 11.7% | 10.2% |
| 75 and older | 13.8% | 9.6% | 7% |
| No diploma | 4% | 10.1% | 10.4% |
| High school | 23.5% | 27.2% | 26% |
| Some college | 21% | 18.5% | 19.1% |
| Associate’s | 10.8% | 10.1% | 8.8% |
| Bachelor’s | 26.7% | 21.3% | 21.6% |
| Graduate | 13.8% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates
Natural hazardsHazard risk grade C
Top of a high hazard risk in Palm Harbor: hurricanes
The national flood insurance program has paid 1,678 claims in Palm Harbor since 1979. FEMA puts 37% of the town’s expected hazard losses down to hurricanes, and 32% to inland flooding. Federal disaster aid has reached households in Palm Harbor after 10 declared disasters, most recently in 2024.
63risk score of 100
FEMA risk score
HurricanesInland floodingTornadoes
1,678
paid flood claims since 1979
10
federal disasters paid out here
FEMA flood insurance claims · FEMA disaster declarations and aid · FEMA National Risk Index · OpenFEMA
OutdoorsB−
Conserved land covers 6% of Palm Harbor
Count the trails in 10 parks and preserves and they come to 4.9 miles. The trail network density in Palm Harbor is 0.2 miles per square mile.
#390for trails in FL
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 0.2 miles per square mile | 0.4 | 0.4 |
| Conserved land | 6% | 3% | 4.3% |
6%
conserved · 1,084 of 17,931 acres
4.9 mi
of trails · 0.2 per sq mi
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Wall Springs Park Coastal Addition | 1.3 mi | 33 |
| 2. Wall Springs Park | 1.2 mi | 49 |
| 3. Westlake Village Park | 0.7 mi | 26 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
HousingCost of living grade D
For cost of living, Palm Harbor earns a D
The typical value, about $402K, is 10% below its April 2024 peak. 73.8% of renter households pay 30% or more of their income for housing, against 60.1% across Florida.
For Palm Harbor, the median rent is $1,806 a month. Zillow values the typical Palm Harbor home at about $402,000, about the same as a year ago, 7% above the Florida typical home. The share of renter households in Palm Harbor who spend 30% or more of their income on rent: 74%.
$402KZillow home value
| Palm Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Renters paying 30%+ of income on rent | 74% | 59% | 48% |
| Median rent | $1,806 a month | $1,647 a month | $1,185 a month |
| Households that own their home | 78% | 72% | 73% |
Typical home value
Palm Harbor$402K
Florida$375K
Market temperature
52
days on market
97.1%
sale-to-list price
−0.3%
value change, 1 year
94
homes sold in September
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Nearby attractions
All 69 attractions →Tropicana Field and 47 more within 40 miles
Museums, parks, gardens and other places to visit around Palm Harbor. Close and well known come first.
Big draw23 mi Stadium & arenaTropicana Field
Big draw17 mi Stadium & arenaRaymond James Stadium
21 mi Stadium & arenaBenchmark International Arena
40 mi BeachAnna Maria Island
21 mi Theme parkBusch Gardens Tampa4.0M visitors a year
23 mi MuseumSalvador Dalí MuseumSources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits
Tropicana Field: EaglesFanInTampa, CC BY-SA 3.0 · Raymond James Stadium: NASA, Public domain · Benchmark International Arena: Miosotis Jade, CC BY-SA 4.0 · Anna Maria Island: Bfpage at English Wikipedia, CC BY 3.0 · Busch Gardens Tampa: Wolle8ball, CC BY 3.0 · Salvador Dalí Museum: Taty2007, CC BY 3.0
Keep exploring
Everything we know about Palm Harbor
18pages on Palm Harbor
The big questions
Out and about
After high school
Colleges nearby
4 within 15 miles of the center of Palm Harbor
Ultimate Medical AcademyCommunity college · Private nonprofit · Clearwater8.4 miTrinity College of FloridaUniversity or college · Private nonprofit · Trinity9 mi$16,300 tuitionPasco-Hernando State CollegeUniversity or college · Public · New Port Richey14.8 mi$3,155 in-state tuition
About 4 of every 100 Palm Harbor residents are enrolled in college, against 6 across Florida.
Famous people from Palm Harbor
4 notable people were born in Palm Harbor.
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About Palm Harbor
Census-designated place in Florida, United States
Palm Harbor is a census-designated place (CDP) and unincorporated community in Pinellas County, Florida, United States. As of the 2020 census, the CDP had a population of 61,366.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 27 sq mi
- Elevation
- 49 ft
- ZIP code
- 34682, 34683, 34684
- Area code
- 727
Palm Harbor’s neighbors
4 towns share a border with Palm Harbor.
DunedinTarpon SpringsEast LakeClearwaterPalm Harbor
How the neighbors grade
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Palm Harbor | #216 | C+ | D | — | B | B+ |
| Dunedin | #109 | B | D | B+ | B | B+ |
| Tarpon Springs | #293 | C+ | C− | C+ | B | B |
| East Lake | #266 | C+ | D− | — | B | A− |
| Clearwater | #394 | C | D | C | B | B− |
Palm Harbor and East Lake report no FBI crime data of their own. Compare Palm Harbor with a neighbor →
Questions about Palm Harbor
Short answers, built from the data on this page.
Is Palm Harbor, FL a good place to live?
Palm Harbor grades C+ overall, better than 44% of U.S. towns and #216 of 634 in Florida. It grades B+ for health and B for schools. Cost of living is its weak spot, with a D.
What is Palm Harbor, FL known for?
4 notable people were born here, including Tucker Albrizzi and Ben Sweat.