The median home in Palm Harbor, Florida is valued at $392,437, down 6.9% year over year. Typical monthly rent is $1,853, producing a price-to-rent ratio of 17.6x — near the national average of 18x. Palm Harbor is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Tampa-St. Petersburg-Clearwater, FL stress score, crash risk, and 12-month forecast →

Home Value$392,437

-6.9%

Rent$1,853/mo

AFFORDABILITY

Enter your income for Palm Harbor.

Income (annual)

Down Payment

$78,487 on $392,437

Out of reach — 41.9% of income

Need $112,114/yr to afford.

PITI$2,616

P/I41.9%

Afford$263K

Gap-$130K

P&I $1,984Tax $281Ins $350

Renting $763/mo cheaper ($1,853 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Palm Harbor with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Tampa-St. Petersburg-Clearwater, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Tampa-St. Petersburg-Clearwater, FL metro.

View Tampa-St. Petersburg-Clearwater, FL metro →

PALM HARBOR, FL