Moving to
Palm Harbor.

All Palm Harbor data Compare Palm Harbor

61,512people live here $78,935median household incomeNear US average $1,806median rent per month▲ 28% above US $405,300median home value▲ 22% above US

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.

What it's like to live in Palm Harbor

Palm Harbor is a large unincorporated community in Florida with county unemployment below the national average, a highly educated workforce, and schools with class sizes near the national average. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Palm Harbor deals with rent well above the national average, a rent burden that leaves many renters stretched thin, hot summers, and above-average rainfall.

The good

Low unemployment in the county
Highly educated workforce
Average class sizes

The not so good

Rent well above the national average
High rent burden for renters
Hot summers
Above-average rainfall

How Palm Harbor compares

Median household income

Palm Harbor$78,935

Florida avg$74,568

US$80,734

Median rent (per month)

Palm Harbor$1,806

Florida avg$1,669

US$1,413

Median home value

Palm Harbor$405,300

Florida avg$359,000

US$332,700

What it takes to move to Palm Harbor

Based on Palm Harbor's median rent, home value and household income

To rent

$3,612

up front: first month plus a typical one-month deposit

Income to keep rent under 30%: $72,240 a year
69% of Palm Harbor renters spend 30% or more of their income on rent

To buy

$81,060

a 20% down payment on the median home

With 10% down: $40,530
Homes cost 5.1× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▲ 28% above US

$1,806/mo median rent

Rent runs on the higher side, at $1,806 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices run above average, with a median around $405,300. Buyers should expect to stretch their budget here.

Median home value $405,300 · 69% of renters cost-burdened

Job market

3.7% county unemployment

Unemployment in Pinellas County is 3.7%, a little below the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.

Pinellas County (county-wide)

Safety

150 violent crimes per 100k, whole jurisdiction

Palm Harbor doesn't have its own police department, so there's no crime rate for it alone. The figures shown are for the Pinellas County Sheriff's Office jurisdiction as a whole, which runs below the national average for violent crime and covers many communities. Individual neighborhoods can differ a lot from that overall rate.

Property crime 766/100k · Policed by Pinellas County Sheriff's Office (county-wide rate) · 2025 data

Getting aroundNear US average

27 min average commute

Commutes run about average, at 26.7 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 7 in 10 workers drive to work; 23% work from home.

How workers get to work

Drive alone

68%

Work from home

23%

Carpool

5.2%

Other

2.7%

Walk

0.6%

Public transit

0.2%

Climate

Summers are hot and humid, with highs regularly hitting 90°F, and winters are mild, with lows rarely dropping below 53°F. Rainfall is regular throughout the year.

Average month

High °FLow °FPrecip (in)

30-year averages, 1991–2020

Education & workforce▲ 13% above US

41% bachelor's degree or higher

The population is well-educated, with 41% holding college degrees. That points to a strong professional base and generally a healthy local economy.

Schools

10 public schools inside the boundary

There are 10 public schools inside the boundary and 5 private schools. The student-to-teacher ratio is 17:1, slightly above the national average of 16:1.

Parks & recreation

The nearest national park or historic site is De Soto National Memorial (39 miles away).

Bottom line

Palm Harbor's strongest points are county unemployment below the national average and a highly educated workforce; the main tradeoffs are rent well above the national average and a rent burden that leaves many renters stretched thin. A year of median rent ($1,806/mo) equals 27% of the median household income here, more than the 21% typical nationwide. It tends to suit remote workers (23% of workers here already work from home) and college-educated professionals. It may be a harder fit for renters on a tight budget.

See all the data for Palm Harbor →·All Florida cities →