Median home value in zip code 34685 (Palm Harbor, FL) is $478,024, down 5.6% year over year. Part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area.

Home Value$478,024

YoY Change

-5.6%

Prices falling — better for buyers.

Affordability

Enter your income for 34685 (Palm Harbor).

Income (annual)

Down Payment

$95,605 on $478,024

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

Out of reach50.2% of income

Need $134,486/yr to afford.

PITI$3,138

P/I50.2%

Afford$267K

Gap-$211K

P&I $2,417Tax $370Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

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

Metro Analysis

34685 is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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