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City · 17,033 residents · Pinellas County, Florida

Safety Harbor , Florida

In Safety Harbor, a typical home is worth $454,000 and typical rent is $1,743 a month. Compared with all of Pinellas County, typical household income is 47% higher, the typical home value is 28% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $454,000

    28% above the county

    26% above Florida

    • Safety Harbor
    • Pinellas
    • Florida

  • Typical rent

    $1,743a month

    6% above the county

    4% above Florida

    • Safety Harbor
    • Pinellas
    • Florida

  • Typical household income

    $106,830a year

    47% above the county

    43% above Florida

    • Safety Harbor
    • Pinellas
    • Florida

  • Households that own their home

    84%

    14 points above the county

    16 points above Florida

    • Safety Harbor
    • Pinellas
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$496,694
1.9% more than 12 months ago
Typical rent
$2,343 a month
6.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Safety 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Safety Harbor apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Safety Harbor is $106,830, 47% more than in Pinellas County as a whole ($72,646).

  2. Safety Harbor has the 16th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (42%).

  3. 84% of households in Safety Harbor own their home, against 70% in Pinellas County.

  4. The typical home in Safety Harbor is worth $454,000, 28% more than in Pinellas County as a whole ($355,100).

  5. Nearby, in Clearwater, the typical home value is $361,300: 20% less than in Safety Harbor ($454,000).

  6. Nearby, in Oldsmar, the typical rent is $1,427: 18% less than in Safety Harbor ($1,743).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Safety Harbor

What homes there are in Safety 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

In Safety Harbor, 7 in 10 homes are single-family detached houses; in Pinellas County, 5.

Year built

Here half of the homes date from 1984 or later; in Pinellas County, from 1977 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Pinellas County is $541,287: about 64% of owner-occupied homes in Safety Harbor are worth less, and the rest more.

Monthly rent with utilities

With a mortgage

$2,303 a month

Pinellas County: $1,948 a month

Without a mortgage

$834 a month

Pinellas County: $734 a month

Owners with a mortgage

59%

Pinellas County: 51%

Owning costs more in Safety Harbor: with a mortgage, the typical cost is $2,303 a month; in Pinellas County, $1,948. Without one, $834.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Safety Harbor rose 69% since 2015–2019, less than in Pinellas County (77%).

Since 2015–2019, the typical rent in Safety Harbor rose 32%, less than in Pinellas County (48%).

The typical household income in Safety Harbor rose 37% over that time; home values changed +69% and rent +32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSafety HarborPinellas CountyFloridaUnited States
Rental vacancy Unreliable estimate9.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.402.202.512.53
Drive alone 64%68%70%69%
Carpool 7%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 27%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.40 on average, against 2.20 in Pinellas County.

In Safety Harbor, 27% of workers work from home, more than in Pinellas County (20%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Safety Harbor?

A typical home costs more than the typical income allows

We start with a typical home in Safety Harbor, worth $454,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Safety Harbor, which is $106,830 a year. For that payment to be 28% of income, a household would need to earn about $156,188 a year.

The calculator's FHA and conventional loan limits are those of all of Pinellas County.

Your numbers

Local data
$

Starts at the typical home value in Safety Harbor. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,890 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,644

at 7.18% · 30 years

Loan amount
$445,777
Total interest
$641,368
Paid off in
November 2056

Includes $7,667 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,493 a month

  • Tight

    $2,493 to $3,205 a month

  • Hard

    more than $3,205 a month

    Your payment · 41%

Compared with the typical household income in Safety Harbor ($106,830 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,644
Principal & interest$3,020
Property tax$235
Home insurance$189
FHA mortgage insurance (MIP)$201

You need at least $15,890 for the down payment, plus closing costs.

Next step

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.

The city and its county

Safety Harbor and Pinellas County

Safety 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).

Safety Harbor's own numbers

Typical home value
$454,000
Typical monthly rent
$1,743
Typical yearly household income
$106,830
Households that own their home
84%
Effective property tax rate
0.62%

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.

Everything about Pinellas County

Buying

Buying a home in Safety Harbor

A typical home in Safety Harbor is worth $454,000: 28% above the county and 26% above Florida. With the typical household income in Safety Harbor ($106,830 a year), a typical home costs 4.2 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.

  • Safety Harbor 4.2 years
  • Pinellas 4.9 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Safety 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
  • Safety Harbor $454,000
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Safety Harbor $1,743
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Safety Harbor $106,830
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
Safety Harbor next to Pinellas County and Florida
Measure Safety Harbor Pinellas County Florida U.S.
Typical home value $454,000 $355,100 $359,000 $332,700
Typical monthly rent $1,743 $1,642 $1,669 $1,413
Typical yearly household income $106,830 $72,646 $74,568 $80,734
Households that own their home 84% 70% 68% 65%
Typical yearly property tax $2,836 $2,474 $2,730 $3,119
Effective property tax rate 0.62% 0.7% 0.76% 0.94%
Renters with high rent for their income 42% 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 Safety Harbor

For a typical $454,000 home in Safety Harbor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Safety Harbor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,644a month

    Least cash to close
    Down payment
    $15,890
    Cash to close
    $29,510
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $3,561a month

    Down payment
    $22,700
    Cash to close
    $36,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,884a month

    Down payment
    $90,800
    Cash to close
    $104,420
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,304a month

    Down payment
    $68,100
    Cash to close
    $81,720
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Safety Harbor and for Pinellas County.

Property tax

Effective rate in Safety Harbor

0.62%of the home’s value each year

$2,836 a year for the typical owner in Safety Harbor.

  • Safety Harbor 0.62%
  • Pinellas 0.7%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pinellas County

FEMA does not publish these numbers by city: they are for all of Pinellas County.

Homes in the high-risk zone
1.2%
4,807
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 1.2% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Safety Harbor

Typical rent in Safety Harbor is $1,743 a month: 6% above the county. In Safety Harbor, 42% 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.

HUD fair market rent for all of Pinellas County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Safety Harbor

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Safety Harbor is in ZIP code 34695.

For 2 bedrooms it is $2,130: $213 more than the fair market rent for Pinellas County ($1,917).

  • 34695 $2,130$2,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Safety Harbor when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Safety Harbor

HUD lists one building with rents for lower incomes in Safety Harbor.

  • Uparc Housing V 624 4th Ave N, Safety Harbor 34695 14 homes, 12 low-income · For people with disabilities (727) 799-3330

See all 103 buildings in Pinellas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Safety Harbor

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Safety Harbor

No down payment, repair or rent-help program on our list is for Safety Harbor or Pinellas County. The ones below are statewide in Florida: they work in Safety Harbor the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Safety Harbor

The HUD-approved agencies closest to the center of Safety Harbor, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (727) 442-7075

  • Clearwater Neighborhood Housing Services, Inc.

    608 N Garden Ave, Clearwater · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (727) 442-4155

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    13921 Icot Blvd, Clearwater · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (866) 395-5769

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near Safety Harbor

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Safety Harbor

HUD’s record names them for Safety Harbor or Pinellas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pinellas County Housing Authority Public housing and Section 8 vouchers (727) 443-7684

5 other authorities have an office in Pinellas County: see the list Source: HUD

Cities

Other cities in Pinellas County

These cities are also in Pinellas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinellas County Housing in Florida
See 6 more cities in Pinellas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Safety Harbor, with the typical home value.

Neighboring counties

If Pinellas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Safety Harbor.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Safety Harbor

Short answers with the numbers for Safety 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 Safety Harbor?

The typical home value in Safety Harbor is $454,000, 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 Safety Harbor?

Typical rent in Safety Harbor is $1,743 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 Safety Harbor?

Safety 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 Safety Harbor?

The typical homeowner in Safety Harbor pays $2,836 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Pinellas County, the rate is 0.7%.

Where can I find free help to buy or rent in Safety 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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).