PlainZIP

Palm Harbor, FL · standard

ZIP Code 34684

Pinellas County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

25,847
1,523/sq mi
$72,145
Median income
$342,400
Median home value
37.6%
Bachelor's or higher

The verdict

Palm Harbor pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.

Top 50%
household income, US ZIPs
Top 27%
home value, US ZIPs
1,523
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34684 against every reporting US ZIP.

ZIP code 34684 is a densely settled ZIP (a standard USPS delivery area) in Palm Harbor, Pinellas County, Florida, with 25,847 residents across 17.0 square miles, a density of 1,523 people per square mile, in the New York time zone.

ZIP 34684 lands in the middle-income range, with a median household income of $72,145 (6% below the Florida average), while per-capita income is $47,236. Local economic indicators show a 10.7% poverty rate alongside 3.0% unemployment. The typical home here is valued at $342,400 (9% below the state average); renters pay a median of $1,854 monthly, and 72.9% of units are owner-occupied.

A solid share of residents have a four-year degree: 37.6% of adults hold a bachelor's degree or higher, the median age is 55.3, and the average commute is 27 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 34684, plus 6 more within Pinellas County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 34684

Top 5 sectors by establishment count in Palm Harbor, FL

Which industries have the most business establishments in ZIP 34684.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 34684, Palm Harbor, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

25,847

Population

17.0

Area (sq mi)

1,523

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 34684?

55.3

Median Age

48.0%

Male

52.0%

Female

13.0%

Foreign-Born

White 83.3%
African American 2.3%
Asian 3.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.7%
Hispanic or Latino 10.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$72,145

Median Household Income

-6% vs state

$47,236

Per Capita Income

10.7%

Poverty Rate

3.0%

Unemployment Rate

27.2 min

Mean Commute Time

How ZIP 34684 ranks nationally

Palm Harbor, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$72,145 Top 50% higher than 50% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 65.7%
Bachelor's Degree or Higher 37.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

14,419

Total Housing Units

12,874

Occupied Units

1,545

Vacant Units

2.04

Avg Household Size

Occupancy Type

Owner 72.9%
Renter 27.1%

$342,400

Median Home Value

-9% vs state

$1,854

Median Rent

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.3%

YoY Change (2024)

377

HPI Index (2000 = 100)

+277%

Total Change Since 2000

Home values in ZIP 34684 have increased 4.3% over the past year (2024). Since 2000, this ZIP has seen +277% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.1% 234
2021 +12.7% 263
2022 +24.6% 328
2023 +10.3% 362
2024 +4.3% 377

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 931 business establishments in ZIP 34684, employing approximately 9,733 people with a combined annual payroll of $447,146,000.

931

Businesses

9,733

Employees

$447.1M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 189 20.3%
Retail trade 125 13.4%
Professional, scientific, and technical services 117 12.6%
Other services (except public administration) 87 9.3%
Accommodation and food services 77 8.3%
Real estate and rental and leasing 74 8.0%
Finance and insurance 60 6.4%
Construction 56 6.0%
Administrative and support and waste management and remediation services 48 5.2%
Wholesale trade 18 1.9%
Transportation and warehousing 17 1.8%
Educational services 16 1.7%
Information 15 1.6%
Arts, entertainment, and recreation 15 1.6%
Manufacturing 14 1.5%
Management of companies and enterprises 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 34684 vs 34683 →

ZIP 34684 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 34684 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 34684 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 34684 ranks #9 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
34683 Palm Harbor, FL 31,268 2.0 mi
33761 Clearwater, FL 18,167 3.5 mi
34685 Palm Harbor, FL 17,286 2.7 mi
34681 Crystal Beach, FL 1,294 3.1 mi
34677 Oldsmar, FL 20,842 3.9 mi
33763 Clearwater, FL 17,887 5.5 mi
34689 Tarpon Springs, FL 26,132 5.0 mi
34698 Dunedin, FL 37,240 4.5 mi
34695 Safety Harbor, FL 17,496 5.4 mi
34688 Tarpon Springs, FL 7,274 5.2 mi

More ZIP Codes in Pinellas County

34698 standard
Dunedin, FL
Pop: 37,240
33710 standard
Saint Petersburg, FL
Pop: 32,780
33756 standard
Clearwater, FL
Pop: 31,275
34683 standard
Palm Harbor, FL
Pop: 31,268
33771 standard
Largo, FL
Pop: 29,839
33713 standard
Saint Petersburg, FL
Pop: 29,812

Related Areas

Pinellas County Palm Harbor, FL Florida

Frequently Asked Questions

What county is ZIP code 34684 in? ▼
ZIP code 34684 (Palm Harbor) is located in Pinellas County, Florida. Pinellas County contains multiple ZIP codes, see the full list at /counties/pinellas-fl.
What is the population of ZIP code 34684? ▼
ZIP code 34684 in Palm Harbor, FL has a population of 25,847 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34684? ▼
The median household income in ZIP 34684 is $72,145, which is 5% below the national average of $76,288.
What is the average home value in ZIP 34684? ▼
The median home value in ZIP 34684 is $342,400, which is 23% above the national average of $278,155.
What is the demographic makeup of ZIP 34684? ▼
The largest racial group in ZIP 34684 is White at 83.3%. Hispanic or Latino residents make up 10.4% of the population.
How many businesses are in ZIP code 34684? ▼
ZIP code 34684 has 931 business establishments employing approximately 9,733 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34684? ▼
The top industries by establishment count in ZIP 34684 are: Health care and social assistance (189), Retail trade (125), Professional, scientific, and technical services (117). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 34684? ▼
According to the FHFA House Price Index, home values in ZIP 34684 increased by 4.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 277%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 34684? ▼
In ZIP code 34684, 65.7% of residents aged 25+ have a high school diploma or higher, and 37.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 34684? ▼
The mean commute time for workers in ZIP code 34684 is 27.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34684? ▼
In ZIP code 34684, approximately 72.9% of occupied housing units are owner-occupied and 27.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34684? ▼
The poverty rate in ZIP code 34684 is 10.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.