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Living in
Palm Harbor.
Palm Harbor is an unincorporated community in Pinellas County, FL. It has no city government: the county runs it, and the Census counts it as its own place.
About
Life in Palm Harbor
Palm Harbor appeals to people looking for a quieter, established community rather than constant growth—the population has been stable to slightly declining. You'll find a mature demographic here, with nearly 28% of residents age 65 and up, which shapes the community character toward family stability and less nightlife intensity. The median household income around $79,000 with a median home value near $405,000 puts it in the moderate range for the Tampa Bay area, though you're paying for proximity to both Tampa and St.
Palm Harbor at a Glance
Population, income, housing and more
Median Age
50.9 yrs
Poverty Rate
10.3%
Foreign-Born
12.8%
Broadband Internet
90.6%
of households
Population Growth
-1.4%
recent change · Census Bureau
Median household income
Demographics12.8% foreign-born, most often from Egypt
Who lives in Palm Harbor: race and ethnicity, ages, households, languages and countries of origin
In Palm Harbor, the largest foreign-born group is from Egypt (12.7%), and 5.9% of residents speak Spanish at home.
Under 18
17.0%
of residents
65 and Older
28.6%
of residents
Households with Kids
21.4%
anyone under 18
Living Alone
32.2%
of households
Married Couples
49.9%
of households
Avg Household Size
2.23
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 8% above FL average
Rent, home values, and income in Palm Harbor
In Palm Harbor, rent runs 8% above the FL average, and home values are 13% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
69.0%
spending 30%+ of income on rent
Severely Rent Burdened
39.3%
spending 50%+
Cost of Living Index
100.9
metro area (BEA) · US avg = 100
Median Property Tax
$2,722
per year, owner-occupied homes
Homeowners
77.9%
of occupied homes are owned
Typical Home Built
1985
median year built
Vacant Homes
11.2%
of housing units
Home Value Trend
Latest: $402,191 (September 2026)
Jobs & Economyunemployment about average for FL
Unemployment in Palm Harbor and typical pay across the metro area
Unemployment in Pinellas County, which includes Palm Harbor, is close to the FL average.
Unemployment rate
Palm Harbor: Pinellas County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Pinellas County (county-wide) · Annual averages
What Palm Harbor Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Tampa-St. Petersburg-Clearwater, FL metro area
Commute26.7 min avg
How Palm Harbor residents get to work, and the nearest airports
In Palm Harbor, most residents drive alone to work (68%), and 61% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 12 mi
St. Petersburg Clearwater International Airport (PIE)
Small hub1.4M passengers boarded in 2025
- 16 mi
Tampa International Airport (TPA)
Major hub12.1M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 54% below national average
Crime rates for 2025
Violent crime in the area policed by the Pinellas County Sheriff's Office, which covers Palm Harbor, runs 54% below the national average.
Violent Crime Rate
150.1
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
765.5
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Pinellas County Sheriff's Office (county-wide rate)
Natural DisastersThunderstorm Wind most common — 10 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively High
98.2 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Pinellas County, county-wide · FEMA NRI December 2025
In Pinellas County, which includes Palm Harbor, the most common type is thunderstorm wind, with 10 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 10 | Lightning | $376,000 |
| 2024 | 13 | Lightning | $43.9M |
| 2023 | 4 | Tropical Storm | $655,000 |
| 2022 | 15 | Thunderstorm Wind | $50.7M |
| 2021 | 10 | Thunderstorm Wind | $61,000 |
| 2020 | 17 | Thunderstorm Wind | $56.4M |
| 2019 | 13 | Thunderstorm Wind | $205,000 |
| 2018 | 17 | Thunderstorm Wind | $753,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Pinellas County, county-wide
Air Quality44 median AQI — Good
Days by air quality category (2025)
Air quality in Pinellas County, which includes Palm Harbor, is typically good — 254 good-air days per year.
Median AQI
44
Good Days
254
per year
Moderate Days
110
per year
Unhealthy Days
0
per year
Pinellas County, county-wide
Climate90°F summers, 53°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Palm Harbor has hot summers (avg high 90°F) and warm winters (avg low 53°F).
Spring (Mar–May)
81°/63°F
avg high / low
Summer (Jun–Aug)
90°/75°F
avg high / low
Fall (Sep–Nov)
83°/66°F
avg high / low
Winter (Dec–Feb)
71°/53°F
avg high / low
Annual Precipitation
55.2"
Annual Snowfall
0.0"
Hot Days/Year
95
days above 90°F
Freeze Days/Year
2
days below 32°F
Rainy Days/Year
112
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 69°F | 51°F | 3.03" |
| Feb | 72°F | 54°F | 2.51" |
| Mar | 76°F | 58°F | 3.08" |
| Apr | 81°F | 63°F | 2.69" |
| May | 86°F | 69°F | 2.35" |
| Jun | 90°F | 74°F | 7.06" |
| Jul | 91°F | 76°F | 9.05" |
| Aug | 91°F | 76°F | 9.66" |
| Sep | 89°F | 74°F | 7.03" |
| Oct | 84°F | 67°F | 3.19" |
| Nov | 76°F | 59°F | 1.90" |
| Dec | 71°F | 54°F | 2.74" |
Healthcare
Hospitals, ratings, and health insurance in Palm Harbor
Uninsured
6.6%
of residents
No hospitals inside Palm Harbor's limits — nearest hospitals · within 15 miles
Adventhealth North Pinellas
Acute Care Hospitals · ER available · 3.8 mi away · Tarpon Springs
Mease Dunedin Hospital
Acute Care Hospitals · ER available · 4.6 mi away · Dunedin
Morton Plant Hospital
Acute Care Hospitals · ER available · 9.1 mi away · Clearwater
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education17.4:1 student/teacher ratio
Schools and degree attainment in Palm Harbor
Palm Harbor's student/teacher ratio is 17.4:1 (higher than the national average of 16:1), and 40.6% of adults 25+ hold a bachelor's degree or higher.
Public Schools
10
within city limits
Private Schools
5
within city limits
College Degree Rate
40.6%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
17.4:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Palm Harbor (within 15 miles)
Private nonprofit · 2-year · 8,932 students · 59% graduate · median earnings $33,775 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: De Soto National Memorial, 39 mi
Nearby national parks, recreation areas and public libraries for Palm Harbor
Palm Harbor has 1 nearby national park or recreation area, closest being De Soto National Memorial (39 mi away).
Nearby National Parks & Recreation Areas
De Soto National Memorial
National Memorial
39 mi awayPublic Libraries in Palm Harbor
Palm Harbor Library
2330 Nebraska Ave, Palm Harbor
Cities Near Palm Harbor
The closest cities within 60 miles
Planning a move to Palm Harbor?
Read our full moving guide — what it's really like to live here.
Palm Harbor FAQ
Is Palm Harbor, Florida affordable?⌄
Palm Harbor's median rent is $1,806/month, which is above the national average. The median household income is $78,935/year. Median home value is $405,300.
Is Palm Harbor, Florida safe?⌄
Palm Harbor is policed by the Pinellas County Sheriff's Office, whose violent crime rate across its service area was 150 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 766 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Palm Harbor, Florida?⌄
Pinellas County, which includes Palm Harbor, has an unemployment rate of 3.7%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Palm Harbor, Florida?⌄
The cost of living in Palm Harbor is primarily driven by housing. Median rent is $1,806/month and median household income is $78,935/year. The median home value is $405,300. About 69% of renters spend more than 30% of their income on housing.
How is the commute in Palm Harbor, Florida?⌄
The average commute in Palm Harbor is 27 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from