ZIP Code 34681 — Palm Harbor CDP, FL Demographics & Data

ZIP code 34681 covers Palm Harbor, FL in Pinellas County with a population of about 1,331.

At a glance, the area shows median age of 42.9 versus a U.S. median of about 38.9.

It sits in telephone area code 727; U.S. House district FL-13; the TAMPA - ST. PETE (SARASOTA) media market.

On socioeconomic markers, US5 shows a poverty rate of 0.5%; unemployment rate near 0.0%; 49.6% of adults with a bachelor’s degree or higher (about 15.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Healthcare; about 65.7% of workers reporting work-from-home (about 50.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $680,500 — about 96% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34681 in Palm Harbor, FL, a household would need roughly $187,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,371. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Palm Harbor CDP, FL as Relatively High (composite score 98.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.9) and flood (96.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Palm Harbor CDP, FL show little to no average snow and around 54.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 34681 (Palm Harbor CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.