Palm Harbor, FL population, income and ZIP codes

Palm Harbor CDP is a small city in Florida, with 61,454 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #61 of 955 ranked by population — larger than 93% of them. The median age here is 50.5 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Palm Harbor CDP earn a median of $75,354 a year, 4.1% below the national figure of $78,538 and 10% above the $68,617 median for the 775 Florida cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 10.3% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Palm Harbor CDP is valued at $359,600, 18.5% above the national figure and 18% above the $305,300 peer median, while median gross rent runs $1,733 a month, 23.3% above the national figure, or roughly $20,796 across a full year. A household on the local median income would put about 27.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4.8×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 77% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 50.5 puts Palm Harbor CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.