Safety Harbor, Florida.
Typical home $496,694 (+1.9% in a year), asking rent $2,343 (+6.4%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$1,432 (+122%) since Jan 2020.
- 1 year
- Up $9,366 +2%
- $487,328$496,694 since Sep 2025
- 5 years
- Up $81,614 +20%
- $415,079$496,694 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.
- Safety Harbor$2,607
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Safety Harbor, FL rose 1.9% over the past year — faster than the nation's +1.2%.
Asking rents in Safety Harbor, FL rose 6.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Safety Harbor runs $1,084/mo more than renting one. The gap peaked at $1,440 in Jan 2025.
That is $3,427 a month against $2,343 rent: a $2,607 mortgage payment, plus $288 property tax and $532 insurance & upkeep.
Owning vs renting — Safety Harbor
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$3,427
- Renting$2,343
- Mortgage only$2,607
Property tax · $288/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for Pinellas County, FL
Insurance & upkeep · $532/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.
Living in Safety Harbor, Pinellas County, Florida
Safety Harbor is a city of 17,072 people in Pinellas County. Half its households earn more than $106,830 a year and half less, against $72,646 across Pinellas County; 6% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Pinellas County was 4.3% in August 2026, and the county had 1.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Safety Harbor is a small city on the Pinellas side of Tampa Bay, and it is home to an older population than most of the country. Households here earn more than across Pinellas County as a whole, fewer residents live below the poverty line than in much of the country, and nearly everyone who lives here owns their home. Homes and rents both sit at the higher end, and a large share of adults hold a four-year degree. Winters are mild, with January days that stay comfortably warm, while summers are hot, with August the warmest month, and rain falls through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and restaurants, hotels and entertainment. In town, the largest workplaces include Mease Hospital Countryside, Mastercut Tool and The Grove at Countryside, an assisted-living facility. A typical commute is a moderate one, and more people work from home than in many places.
Things to do. Within town or right beside it, Philippe Park and Moccasin Lake Nature Park offer green space, and the Safety Harbor Site is an archaeological site. A short drive away, Caladesi Island State Park and Honeymoon Island State Park are protected coastal areas. For a larger outing, the Salvador Dalí Museum is a longer drive away.
Report a mistake
- 6,960households
- 49%of adults have a degree
- 6%below the poverty line
- 25 mintypical commute
- 27%work from home
What residents work in
Employed residents by industry, from the Census survey. Pinellas County had 441,425 jobs in 2025, 1.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 71° and lows near 52°; warmest in August, with highs near 91° and lows near 76°. About 54 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Petersburg International Airport weather station, 7 miles away (NOAA).
Largest employers in Safety Harbor
- Mease Countryside Hospital1,000
- Bay to Bay Properties LLC200
- Jacobsen Homes200
- Safety Harbor Resort & Spa200
- Angelica Corporation150
- Safety Harbor Middle School143
- Consulate Health Care131
- Medsource Travelers121
From the City of Safety Harbor’s annual financial report for 2024, its schedule of principal employers (its source: “AtoZ Databases, current data”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesRelatively high
- LightningRelatively high
- TornadoesRelatively high
- Coastal floodingRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Safety Harbor’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pinellas County and the Tampa-St. Petersburg-Clearwater, FL metro.
Safety Harbor home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Safety Harbor$496,694
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 3 Safety Harbor listings, and the typical home goes pending in 25 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Safety Harbor32.70%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Safety Harbor25
- United States21
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Safety Harbor84
New listings per month
Sellers arriving at the market.
- Safety Harbor22
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Safety Harbor$472,008
- United States$371,553
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Safety Harbor97.40%
Zip codes with a Safety Harbor address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Safety Harbor — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.