Harbor Bluffs, FL population, income and ZIP codes

Harbor Bluffs CDP is a small town in Florida, with 3,020 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #599 of 955 ranked by population — larger than 37% of them. The median age here is 48.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Harbor Bluffs CDP earn a median of $129,569 a year, 65% above the national figure of $78,538 and 89% above the $68,617 median for the 775 Florida cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 4.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Harbor Bluffs CDP is valued at $553,800, 82.5% above the national figure and 81% above the $305,300 peer median, while median gross rent runs $3,501 a month, 149% above the national figure, or roughly $42,012 across a full year. A household on the local median income would put about 32.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 4.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 88.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.