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Palm Harbor CDP, FL

ZIP 34681 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34681

Median Home Value
$680,500
Median Rent
N/A
Affordability Snapshot
$187,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,371/mo PITI).

To comfortably buy a median-priced home in ZIP 34681 in Palm Harbor CDP, 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.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.0%+38% vs US avg
x
Vacancy Rate
18.4%+78% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
0.0%
x
$680,500
Home Value
N/A
Rent
1989
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached83.9%
  • 1-unit attached8.0%
  • 2-9 units0.0%
  • 10+ units8.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$680,500
Median rent$-666,666,666
Owner-occupied90.0%
Vacant18.4%
Est. income to buy$187,000