Residential delivery area · Florida
ZIP Code 34684: Palm Harbor, FL
ZIP code 34684 is in Palm Harbor, Florida, entirely in Pinellas County (Census 2020 ZIP-county file). About 27,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Palm Harbor's 3 residential ZIP codes. Median household income is $72,145 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Palm Harbor · 3 residential ZIPs
- County
- Pinellas County
- Census places
- Palm Harbor census-designated place
- Metro area
- Tampa-St. Petersburg-Clearwater, FL
- House district
- FL-13 119th Congress
- State
- Florida
- Time zone
- Eastern
- Land area
- 6.7 sq mi · 4,013 people per sq mi
- PO Box ZIPs
- 34682 also use the name Palm Harbor
Where is ZIP code 34684?
34684 centers on 28.081°, -82.727° and covers 6.7 square miles of land plus 1.4 of water. It borders 6 ZIP codes: 34683, 34685, 33761, 34677, 34688, 34689.
The map draws ZIP code areas only. For the streets inside 34684, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 34684 compare with the rest of Palm Harbor?
| Measure | 34684 | In Palm Harbor | In Pinellas County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 27,029 | 2nd of 3 | 14th of 48 | 362nd of 1,013 |
| Median household income | $72k | 3rd of 3 | 28th of 46 | 444th of 819 |
| Median home value | $342k | 3rd of 3 | 24th of 46 | 425th of 833 |
Its median household income is higher than in 50% of U.S. residential ZIP codes, and it is denser than 92% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 34684?
The 2020 Census counted 27,078 people in 34684; the ACS, which samples households over 2020-2024, estimates 27,029. Between the 2010 and 2020 censuses its population grew 4.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 27,029
- 2020 Census count
- 27,078+4.8% since 2010 (25,847)
- Households
- 12,874
- Median age
- 55.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 34684?
Of the 27,029 people the ACS estimates in 34684, 14.8% are under 18 and 36.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.9%), then Hispanic or Latino (10.4%).
- Under 1814.8%
- 18 to 6448.6%
- 65 and older36.5%
- White, not Hispanic80.9%
- Hispanic or Latino10.4%
- Other or two or more3.6%
- Asian, not Hispanic3.0%
- Black, not Hispanic2.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 34684 earn?
Median household income is $72,145 (ACS 2020-2024), the 28th highest of the 46 ranked ZIP codes in Pinellas County. It rose from $66,675 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $72,145
- Income per person
- $47,236
- Below the poverty line
- 10.7%
- Unemployed (of the labor force)
- 3.0%
- Adults 25+ with a bachelor's degree
- 37.6%
- Adjusted gross income per tax return, 2022
- $85,36714,010 returns; wages 57% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 34684?
FHFA's house price index for 34684, built from repeat sales and appraisals of the same homes, rose 108% from 2015 to 2025 and rose 41% from 2020 to 2025, and moved −12.7% in 2025.
- Median home value (owners' estimate)
- $342,400
- Median gross rent
- $1,854
- Homes owned by their occupants
- 72.9%
- Housing units
- 14,419
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 34684?
931 business establishments had a location in this ZIP code in 2023, 42 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance189
- Retail trade125
- Professional, scientific, and technical services117
- Other services (except public administration)87
- Accommodation and food services77
- Real estate and rental and leasing74
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 34684?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 34683 | Palm Harbor | 33,911 | $93k | 2.1 mi |
| 34685 | Palm Harbor | 18,132 | $95k | 2.4 mi |
| 33761 | Clearwater | 18,290 | $75k | 3.3 mi |
| 34677 | Oldsmar | 22,762 | $94k | 4.1 mi |
| 34688 | Tarpon Springs | 8,522 | $112k | 5.0 mi |
| 34689 | Tarpon Springs | 27,324 | $75k | 5.2 mi |
| 34681 | Crystal Beach | 1,284 | – | 3.2 mi (near) |
| 34698 | Dunedin | 38,171 | $74k | 5.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.