City · 61,512 residents · Pinellas County, Florida
Palm Harbor, Florida
In Palm Harbor, a typical home is worth $405,300 and typical rent is $1,806 a month. Compared with all of Pinellas County, the typical home value is 14% higher, typical rent is 10% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $352,169 to $402,191.
Typical rent
$1,961a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,681 to $1,961.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Palm Harbor is in Pinellas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pinellas County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Tarpon Springs, the typical rent is $1,298: 28% less than in Palm Harbor ($1,806).
2
Nearby, in Tarpon Springs, the typical home value is $340,700: 16% less than in Palm Harbor ($405,300).
3
Palm Harbor has the 32nd largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (74%).
4
78% of households in Palm Harbor own their home, against 70% in Pinellas County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Palm Harbor
What homes there are in Palm Harbor, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Palm Harbor
Pinellas County
Florida
United States
Kind of home: Palm Harbor and its comparisons
Measure
Palm Harbor
Pinellas County
Florida
United States
Detached house
54%
48%
55%
61%
Attached house
11%
6%
7%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
21%
30%
25%
19%
Mobile home
7%
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 54% of homes here, against 48% in Pinellas County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Palm Harbor
Pinellas County
Florida
United States
Year built: Palm Harbor and its comparisons
Measure
Palm Harbor
Pinellas County
Florida
United States
Before 1960
4%
20%
10%
26%
1960–1979
24%
39%
24%
24%
1980–1999
61%
29%
34%
25%
2000–2009
6%
7%
18%
14%
2010 or later
5%
6%
14%
11%
The typical home in Palm Harbor was built in 1985, 8 years after the typical one in Pinellas County.
There is more room for a big family here: 47% of homes have 3 bedrooms or more, against 40% in Pinellas County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K5%
$100K–$200K11%
$200K–$300K17%
$300K–$500K35%
$500K–$750K22%
FHA limit: $541,287
$750K–$1M6%
$1M or more4%
Value of owner-occupied homes: Palm Harbor and its comparisons
Measure
Palm Harbor
Under $100K
5%
$100K–$200K
11%
$200K–$300K
17%
$300K–$500K
35%
$500K–$750K
22%
$750K–$1M
6%
$1M or more
4%
About 71% of owner-occupied homes in Palm Harbor are worth less than the FHA loan limit for Pinellas County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49922%
$1,500–$1,99931%
$2,000–$2,49919%
$2,500–$2,9997%
$3,000 or more12%
Monthly rent with utilities: Palm Harbor and its comparisons
Measure
Palm Harbor
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
22%
$1,500–$1,999
31%
$2,000–$2,499
19%
$2,500–$2,999
7%
$3,000 or more
12%
With a mortgage
$2,096 a month
Pinellas County: $1,948 a month
Without a mortgage
$718 a month
Pinellas County: $734 a month
Owners with a mortgage
57%
Pinellas County: 51%
Owning costs more in Palm Harbor: with a mortgage, the typical cost is $2,096 a month; in Pinellas County, $1,948. Without one, $718.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Palm Harbor+74%
Pinellas County+77%
Florida+67%
United States+53%
Typical rent
Palm Harbor+39%
Pinellas County+48%
Florida+42%
United States+33%
Typical household income
Palm Harbor+33%
Pinellas County+34%
Florida+34%
United States+29%
Change since 2015–2019: Palm Harbor and its comparisons
Measure
Palm Harbor
Pinellas County
Florida
United States
Typical home value
+74%
+77%
+67%
+53%
Typical rent
+39%
+48%
+42%
+33%
Typical household income
+33%
+34%
+34%
+29%
The typical home value in Palm Harbor rose 74% since 2015–2019, about the same as in Pinellas County (77%).
Since 2015–2019, the typical rent in Palm Harbor rose 39%, less than in Pinellas County (48%).
Here income did not keep up with housing: it rose 33%, while home values changed +74% and rent +39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Palm Harbor and its comparisons
Measure
Palm Harbor
Pinellas County
Florida
United States
Rental vacancy
Unreliable estimate
9.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.3%
3.4%
People per household
2.23
2.20
2.51
2.53
Drive alone
68%
68%
70%
69%
Carpool
5%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
23%
20%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Palm Harbor look like those in Pinellas County: 2.23 people on average.
In Palm Harbor, 23% of workers work from home, more than in Pinellas County (20%).
Do the math
What would you pay each month for a home in Palm Harbor?
A typical home costs more than the typical income allows
We start with a typical home in Palm Harbor, worth $405,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Palm Harbor, which is $78,935 a year. For that payment to be 28% of income, a household would need to earn about $140,157 a year.
The calculator's FHA and conventional loan limits are those of all of Pinellas County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Palm Harbor. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,186 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,270
at 7.18% · 30 years
Loan amount
$397,958
Total interest
$572,569
Paid off in
November 2056
Includes $6,844 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,842 a month
Tight
$1,842 to $2,368 a month
Hard
more than $2,368 a month
Your payment · 50%
Compared with the typical household income in Palm Harbor ($78,935 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,696
Property tax
$226
Home insurance
$169
FHA mortgage insurance (MIP)
$179
You need at least $14,186 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,270; principal and interest $2,696.
The city and its county
Palm Harbor and Pinellas County
Palm Harbor is in Pinellas County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Palm Harbor
Map of Pinellas County, Florida, with Palm Harbor marked. Around it, the neighboring counties.
Palm Harbor
Pinellas County
Other cities with a page
Palm Harbor's own numbers
Typical home value
$405,300
Typical monthly rent
$1,806
Typical yearly household income
$78,935
Households that own their home
78%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pinellas County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinellas County.
A typical home in Palm Harbor is worth $405,300: 14% above the county and 13% above Florida. With the typical household income in Palm Harbor ($78,935 a year), a typical home costs 5.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Palm Harbor5.1 years
Pinellas4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pinellas County
According to FHFA’s house price index, home prices in Pinellas County rose 145% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pinellas County.
Yearly change in FHFA’s price index in Pinellas County, 2016 to 2025
2016: +11.0% +11.0% 2016
2017: +9.9% +9.9% 2017
2018: +9.1% +9.1% 2018
2019: +6.7% +6.7% 2019
2020: +6.4% +6.4% 2020
2021: +17.4% +17.4% 2021
2022: +24.8% +24.8% 2022
2023: +8.9% +8.9% 2023
2024: +3.8% +3.8% 2024
2025: −2.0% −2.0% 2025
Change in FHFA’s price index in Pinellas County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−2.0%
−0.5%
+2.9%
5 years (2020–2025)
+62%
+60%
+47%
10 years (2015–2025)
+145%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Palm Harbor next to Pinellas County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Palm Harbor$405,300
Pinellas$355,100
Florida$359,000
United States$332,700
Typical monthly rent
Palm Harbor$1,806
Pinellas$1,642
Florida$1,669
United States$1,413
Typical yearly household income
Palm Harbor$78,935
Pinellas$72,646
Florida$74,568
United States$80,734
See the full table
Palm Harbor next to Pinellas County and Florida
Measure
Palm Harbor
Pinellas County
Florida
U.S.
Typical home value
$405,300 ▲14% above the county
$355,100
$359,000
$332,700
Typical monthly rent
$1,806 ▲10% above the county
$1,642
$1,669
$1,413
Typical yearly household income
$78,935 ▲9% above the county
$72,646
$74,568
$80,734
Households that own their home
78% ▲8 points above the county
70%
68%
65%
Typical yearly property tax
$2,722 ▲10% above the county
$2,474
$2,730
$3,119
Effective property tax rate
0.67% ▼0.03 points below the county
0.7%
0.76%
0.94%
Renters with high rent for their income
74% ▲14 points above the county
60%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinellas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Palm Harbor
For a typical $405,300 home in Palm Harbor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Palm Harbor's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,270a month
Least cash to close
Down payment
$14,186
Cash to close
$26,345
Rate
7.18%
Mortgage insurance
FHA MIP · $179
Conventional, 5% down$3,196a month
Down payment
$20,265
Cash to close
$32,424
Rate
7.18%
Mortgage insurance
PMI · $193
Conventional, 20% down, no PMI$2,592a month
Down payment
$81,060
Cash to close
$93,219
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,966a month
Down payment
$60,795
Cash to close
$72,954
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Palm Harbor
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,270
$14,186
$397,959
7.18%
FHA MIP · $179
$26,345
580
Conventional, 5% down
$3,196
$20,265
$385,035
7.18%
PMI · $193
$32,424
620*
Conventional, 20% down, no PMI
$2,592
$81,060
$324,240
7.18%
None
$93,219
620*
ITIN, 15% down (example)
$2,966
$60,795
$344,505
8.18%
None
$72,954
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Palm Harbor is $1,806 a month: 10% above the county. In Palm Harbor, 74% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pinellas County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinellas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,597
$30.71
$63,880
1 bedroom
$1,648
$31.69
$65,920
2 bedrooms
$1,917
$36.87
$76,680
3 bedrooms
$2,448
$47.08
$97,920
4 bedrooms
$2,977
$57.25
$119,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Palm Harbor
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Palm Harbor has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,050 in 34681 to $2,070 in 34684.
3 of the 3 are above the fair market rent for Pinellas County ($1,917).
2-bedroom fair market rent in each of the 3 ZIP codes of Palm Harbor, beside the one for Pinellas County. For 2 bedrooms it runs from $2,050 in 34681 to $2,070 in 34684. 3 of the 3 are above the fair market rent for Pinellas County ($1,917).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,917
Lowest: $2,050 (34681)Highest: $2,070 (34684)
Fair market rent by ZIP code and size in Palm Harbor, fiscal year 2027.
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 4 HUD-approved agencies with an office in Pinellas County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Palm Harbor or Pinellas County. The ones below are statewide in Florida: they work in Palm Harbor the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Palm Harbor or Pinellas County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Palm Harbor and all of Pinellas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Palm Harbor?
The typical home value in Palm Harbor is $405,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinellas County it is $355,100.
How much does it cost to rent in Palm Harbor?
Typical rent in Palm Harbor is $1,806 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinellas County is $1,917.
What is the FHA loan limit in Palm Harbor?
Palm Harbor uses the FHA limit for all of Pinellas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Palm Harbor?
The typical homeowner in Palm Harbor pays $2,722 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Pinellas County, the rate is 0.7%.
Where can I find free help to buy or rent in Palm Harbor?
There are 4 HUD-approved counseling agencies with an office in Pinellas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
