Everything You Should Know Before Moving to Palm Harbor, FL
Considering a move to Palm Harbor, FL? With about 61,000 residents, Palm Harbor offers a sunny, laid-back lifestyle with 67% sunny days and warm winters. The median home price is $410,000 and average rents are $1,670, while violent crime rates are low at 127 per 100K. Residents enjoy short, 28-minute commutes, reputable schools like Palm Harbor University High, and easy access to top healthcare facilities – all in a friendly Gulf Coast community.
Demographics - Palm Harbor, FL
Demographics - Palm Harbor, FL
Palm Harbor is home to about 61,000 residents, featuring a higher median age of 49.4 and a population density of 3,850 people per square mile. The community is predominantly White, with a notable 12.8% of residents speaking a non-English language at home, reflecting some cultural diversity.
Population:
61,366
Density:
3,850 per sq mi
Median Age:
49.4
Gender Ratio:
90 males per 100 females
Non-English Speakers Percentage:
12.8%

Ethnic Composition
White:
85.7%
Black:
2.5%
Asian:
3.5%
Others:
8.3%
Cost Of Living
What is the average cost of living in Palm Harbor, FL?
The cost of living in Palm Harbor is slightly above the national average, with a median home value of $410,000 and average rent for a two-bedroom at $1,670. Residents benefit from no state income tax and moderate utility costs, making it a relatively affordable Gulf Coast destination.
Median House Value:
$410,000
Gross Rent:
$1,670
Monthly Electricity Charges:
$145
Auto Insurance:
$2,200
House Owner Cost With Mortgage:
$1,980
House Owner Cost Without Mortgage:
$590
State Taxes:
Low:
0%
|
High:
0%
Cost Of Living Index:
106.0
Grocery:
104.2
Housing:
110.5
Utilities:
102.8
Transportation:
97.4
Health Care:
99.3
Miscellaneous:
101.8
Crime
Is Palm Harbor, FL a safe place to live?
Palm Harbor experiences low crime rates compared to national figures, with only 127 violent crimes per 100,000 people and a 1 in 787 chance of being a victim of violent crime. Property crime is more common but still moderate, offering residents peace of mind.
Violent Crimes Per 100k:
127
Property Crimes Per 100k:
1,287
Crime Index:
1,414
Chance Of Violent Crime:
1 in 787
Chance Of Property Crime:
1 in 78
Weather
What is the weather like in Palm Harbor, FL year-round?
The city enjoys a pleasant subtropical climate, with mild winters averaging 53–72°F and hot summers reaching up to 91°F. With 67% sunny days and over 51 inches of annual rainfall, Palm Harbor offers ideal weather for outdoor activities year-round.

Winter
Min:
53°F
Max:
72°F

Spring
Min:
61°F
Max:
81°F

Summer
Min:
75°F
Max:
91°F

Fall
Min:
66°F
Max:
84°F
Average Rainfall Inches:
51.5 inches
Sunny Days Percentage:
67%
Neighbors
Palm Harbor residents typically enjoy a median household income of $64,392 and a low poverty rate of 8.4%. The community is well-educated, with over 94% of adults holding a high school diploma, and most people experience manageable 28-minute commutes.
Median Income:
$40,900
Household Income:
$64,392
Family Income:
$81,100
Per Capita Income:
$39,760
Income Male:
$49,600
Income Female:
$38,200
Poverty Rate:
8.4%
Non English Speakers:
12.8%
Rent:
$1,670
Unemployment Rate:
3.7%
Public Transport Usage:
0.9%
Commute Time:
28.2 minutes

Education
High School or Higher:
94.1%
Bachelors or More:
37.8%
Education
How are the schools in Palm Harbor, FL?
Palm Harbor offers strong educational options, including highly rated public schools like Palm Harbor University High and several private institutions. Nearby colleges such as St. Petersburg College and the University of South Florida provide accessible higher education opportunities.

Public Schools
Name:
Palm Harbor University High School
Street:
1900 Omaha St
Phone:
727-669-1131
Students:
2,500
Student Teacher Ratio:
20.5
Name:
Sutherland Elementary School
Street:
3150 Belcher Rd
Phone:
727-724-1466
Students:
650
Student Teacher Ratio:
15.2

Private Schools
Name:
Curlew Creek Christian School
Street:
2210 Landmark Dr
Phone:
727-786-1854
Students:
220

Colleges
Name:
St. Petersburg College - Tarpon Springs Campus
City:
Tarpon Springs
State:
FL
Distance:
5 miles
Students:
7,000
Name:
University of South Florida - St. Petersburg
City:
St. Petersburg
State:
FL
Distance:
21 miles
Students:
4,500
Healthcare
Palm Harbor provides convenient access to quality healthcare, including nearby facilities like AdventHealth North Pinellas and Mease Countryside Hospital. The area boasts 2.4 physicians per 1,000 residents and nearly 90% health insurance coverage, supporting a healthy community.

Major Hospitals
Name:
AdventHealth North Pinellas
Address:
1395 S Pinellas Ave, Tarpon Springs, FL 34689
Phone:
(727) 942-5000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Mease Countryside Hospital
Address:
3231 McMullen Booth Rd, Safety Harbor, FL 34695
Phone:
(727) 725-6111
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.4
Health Insurance Coverage:
89.7%
Health Care Index:
77.2
Housing Market
What is the housing market like in Palm Harbor, FL?
The housing market in Palm Harbor is robust, with a median home price of $410,000 and a 4.2% annual appreciation rate. Owner-occupancy is high at over 76%, and rental vacancy rates remain low, indicating a stable and desirable residential area.
Median Home Price:
$410,000
Average Rent For 2 Bedroom:
$1,670
Owner Occupied Rate:
76.4%
Rental Vacancy Rate:
6.0%
Home Appreciation Rate (1yr):
4.2%
New Construction Rate:
1.5%
Foreclosure Rate:
0.6%
DMV Information
Residents can find driver and vehicle services through the Florida Department of Highway Safety and Motor Vehicles. The nearest main office is in Tallahassee, but comprehensive resources are also available online for renewals, licensing, and vehicle registration.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
2900 Apalachee Pkwy, Tallahassee, FL 32399
Phone:
1-850-617-2000
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.