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.

Home Value$392,437

-6.9%

Rent$1,853/mo

Prices falling — better for buyers.

Affordability

Enter your income for Palm Harbor.

Income (annual)

Down Payment

$78,487 on $392,437

Example: $75,000 household income. Change it above to see your own.

Out of reach41.9% 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$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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.

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Palm Harbor, FL