34685
Palm Harbor, Florida.
Palm Harbor, Pinellas County, FL · Tampa-St. Petersburg-Clearwater, FL metro · population 18,132
to buy the typical home at today's mortgage rate — +$1,291 (+107%) since Jan 2020.
- 1 year
- Down $5,613 -1%
- $481,772$476,159 since Sep 2025
- 5 years
- Up $59,945 +14%
- $416,214$476,159 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 34685$2,499
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in zip 34685 fell 1.2% over the past year — slower than the nation's +1.2%.
Asking rents in zip 34685 rose 0.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 34685 runs $1,256/mo more than renting one. The gap peaked at $1,798 in Oct 2023.
That is $3,285 a month against $2,029 rent: a $2,499 mortgage payment, plus $276 property tax and $510 insurance & upkeep.
Owning vs renting — zip 34685
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,285
- Renting$2,029
- Mortgage only$2,499
Property tax · $276/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for Pinellas County, FL
Insurance & upkeep · $510/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Palm Harbor, FL — measured over the city limits, which is a different area from this zip.
Asking rent — 34685
Against the Tampa-St. Petersburg-Clearwater, FL metro and the national benchmark.
- 34685$2,029
- Tampa$1,991
- United States$1,932
Typical home value — 34685
Mid-tier homes, smoothed and seasonally adjusted.
- 34685$476,159
- Tampa$356,843
- United States$366,157
Within 20 miles
Showing 30 of 72 zips in range — sorting picks from all 72.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 2.7 | 34684 | Palm Harbor | 27,029 | $1,869 | $320,251 |
| 3.1 | 34688 | Tarpon Springs | 8,522 | $2,650 | $569,254 |
| 3.3 | 34677 | Oldsmar | 22,762 | $2,015 | $358,139 |
| 4.5 | 34683 | Palm Harbor | 33,911 | $1,946 | $461,597 |
| 5.2 | 33626 | Tampa | 30,575 | $2,202 | $565,388 |
| 5.3 | 33761 | Clearwater | 18,290 | $1,984 | $311,367 |
| 5.5 | 34681 | Crystal Beach | 1,284 | — | $636,309 |
| 5.5 | 34689 | Tarpon Springs | 27,324 | $1,973 | $363,690 |
| 6.3 | 34695 | Safety Harbor | 18,098 | $2,343 | $497,107 |
| 6.7 | 33635 | Tampa | 19,134 | $1,971 | $438,609 |
| 6.8 | 34690 | Holiday | 12,498 | $1,746 | $215,241 |
| 7.5 | 33763 | Clearwater | 21,146 | $1,872 | $195,496 |
| 7.5 | 34698 | Dunedin | 38,171 | $2,067 | $412,638 |
| 7.6 | 33556 | Odessa | 35,755 | $1,960 | $663,413 |
| 7.8 | 34691 | Holiday | 21,232 | $1,707 | $219,865 |
| 8.0 | 34655 | New Port Richey | 49,964 | $1,917 | $376,676 |
| 8.1 | 33625 | Tampa | 29,967 | $2,080 | $424,731 |
| 8.4 | 33759 | Clearwater | 17,557 | $1,996 | $344,436 |
| 9.2 | 33615 | Tampa | 47,245 | $1,590 | $366,074 |
| 9.3 | 33765 | Clearwater | 13,808 | $1,742 | $349,319 |
| 9.9 | 34653 | New Port Richey | 35,945 | $1,596 | $249,426 |
| 9.9 | 34652 | New Port Richey | 27,444 | $1,687 | $214,583 |
| 10.0 | 33624 | Tampa | 41,346 | $1,715 | $409,232 |
| 10.0 | 33755 | Clearwater | 27,476 | $1,993 | $337,553 |
| 10.8 | 33634 | Tampa | 21,862 | $1,755 | $376,302 |
| 11.3 | 33558 | Lutz | 33,165 | $2,155 | $547,160 |
| 11.7 | 33764 | Clearwater | 27,311 | $2,034 | $368,357 |
| 11.8 | 33618 | Tampa | 27,771 | $1,607 | $468,345 |
| 12.2 | 33767 | Clearwater Beach | 8,081 | $3,945 | $698,675 |
| 12.5 | 33756 | Clearwater | 32,201 | $1,832 | $356,473 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.