Palm Harbor today
What this means
Twelve month change in Palm Harbor: +0.6%, essentially flat, now 7.9% below the May 2024 peak.
A specific house can rent above or below these figures, so pull rental comps for the address. Sources and method: how these figures are built.
Quick facts
| Palm Harbor | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 61,512 (Census survey) | ||
| Median home value | $405,300 | 14% higher | 13% higher |
| Median gross rent | $1,806 | 10% higher | 8% higher |
| Median household income | $78,935 | 9% higher | 6% higher |
| Owner occupied homes | 77.9% | +8.4 pts | +10.3 pts |
| Residents 65 and older | 28.6% | +2.2 pts | +7.3 pts |
| Average commute (minutes) | 27 | 6% higher | 5% lower |
| Homes built 2010 or later | 4.8% | -1.0 pts | -9.4 pts |
| Median property tax paid | $2,722 | 10% higher | about the same |
Census survey figures are 2020 to 2024 averages; methods.
Living in Palm Harbor
Unincorporated Pinellas community about 22 miles north of St. Petersburg with unusually hilly terrain.
There is no city hall here: Palm Harbor is a Census designated place, and Pinellas County sets the rules.
Known for: Innisbrook Resort (Valspar Championship); downtown Palm Harbor
US 19 is the commercial corridor; a special taxing district funds library and parks.
Next to the rest of Pinellas County, more homes are owner occupied (77.9% vs 69.5%); less of the housing is in apartment and condo buildings (20.7% vs 30.1%); the median value of $405,300 is above the county's $355,100 and Census median rent runs higher ($1,806 vs $1,642 countywide).
If you like the numbers here, also look at Kendall West ($409,500, $1,808), West Palm Beach ($414,200, $1,772), Clermont ($418,400, $1,828).
Growth and housing
Yearly population estimates are not published for Census designated places; the county trend is the best guide. Pinellas County grew -1.1% from 2020 to 2025.
Median year built: 1985. The housing mix is 54.1% detached houses and 20.7% larger buildings. Average household size is 2.23.
Fewer newcomers from out of state than the county average (2.8% vs 3.3%).
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $4,063 a year |
| Coastal county | check flood zone and elevation per address |
Flood, storms and jobs
Flood insurance here follows Pinellas County, which holds CRS class 2 (40% discount). Countywide, 1.2% of homes sit in a FEMA high risk zone; the Pinellas County guide has the full flood, storm and jobs picture.
Buying a home in Palm Harbor
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $405,300 |
Price to income: 5.1x, compared with 4.9x for the county.
- Conventional: mortgage insurance drops off as equity builds.
- FHA: the Palm Harbor median of $405,300 fits under the $541,287 limit.
- VA: veterans are 8.3% of adults.
Investing in Palm Harbor
Long term rentals
| Palm Harbor | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 22.1% | -8.4 pts |
| Rental vacancy | 5.8% | -3.3 pts |
| Rent as share of renter income | 41.1% | +6.1 pts |
Short term rentals
Seasonal and vacation homes: 8.1% of the stock, against 9.2% countywide.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Get the zoning and HOA answer in writing before you count on nightly income. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 54.1% |
| Buildings with 5+ units | 20.7% |
| Manufactured homes | 7.1% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.