ZIP Code 34684 — Palm Harbor CDP, FL Demographics & Data

ZIP code 34684 covers Palm Harbor, FL in Pinellas County with a population of about 26,926.

At a glance, the area shows median age of 55.9 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.

Palm Harbor, FL fits a retirement-oriented profile (high share of residents 65+ (36.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 34684 is about $67,542 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.7%; unemployment rate near 3.0%; 34.9% of adults with a bachelor’s degree or higher (about 1.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 16.3% of workers reporting work-from-home (about 1.1 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 $293,800 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,673 (about 44% above the U.S. median rent ($1,163)), and owner-occupancy near 71.7% (about 6.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34684 in Palm Harbor, FL, a household would need roughly $81,000 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 $1,887. That is about 20% above the local median household income ($67,542), so the median earner would likely stretch or need a larger down payment. 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 1,205 for ZIP 34684 (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.