Palm Harbor, FL · standard
ZIP Code 34685
Pinellas County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,286
- 512/sq mi High-density area
- $94,688
- Median income Above-median income area
- $518,000
- Median home value Above-median home value
- 49.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Palm Harbor pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 23%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 512
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34685 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 34685 (Palm Harbor, FL) rose +10.4% from 2023 to 2024. The all-transactions index moved from 278.5 in 2023 to 307.4 in 2024 (2000 = 100).
ZIP code 34685 is a mid-sized community (a standard USPS delivery area) in Palm Harbor, Pinellas County, Florida, home to 17,286 residents across 33.7 square miles, a density of 512 people per square mile, in the New York time zone.
ZIP 34685 lands in the middle-income range, with a median household income of $94,688 (23% above the average Florida ZIP), while per-capita income is $56,742. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.8% and unemployment is 3.0%. Housing is both higher-cost and owner-heavy: median home value is $518,000 (38% above the average Florida ZIP), while 76.9% of occupied homes are owner-occupied and median rent is $1,990.
A solid share of residents have a four-year degree: 49.0% of adults hold a bachelor's degree or higher, the median age is 48.4, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Pinellas County, so 34685 can be compared with both its immediate and county-level context.
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 34685
Top 5 sectors by establishment count in Palm Harbor, FL
Which industries have the most business establishments in ZIP 34685.
- Professional, scientific, and technical services
Professional, scientific, and technical services
99 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
51 establishments
- Health care and social assistance
Health care and social assistance
50 establishments
- Finance and insurance
Finance and insurance
44 establishments
- Administrative and support and waste management and remediation services 33
Administrative and support and waste management and remediation services
33 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 34685, 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
17,286
Population
33.7
Area (sq mi)
512
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34685?
48.4
Median Age
49.4%
Male
50.6%
Female
12.3%
Foreign-Born
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?
$94,688
Median Household Income
+23% vs state ZIP avg
$56,742
Per Capita Income
4.8%
Poverty Rate
3.0%
Unemployment Rate
27.5 min
Mean Commute Time
How ZIP 34685 ranks among Florida ZIPs
Palm Harbor, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$94,688 Top 21% higher than 79% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
8,032housing units
8,032
Total Housing Units
7,405
Occupied Units
627
Vacant Units
2.44
Avg Household Size
Occupancy Type
$518,000
Median Home Value
+38% vs state ZIP avg
$1,990
Median Rent
1992
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
+10.4%
YoY Change (2024)
307
HPI Index (2000 = 100)
+207%
Total Change Since 2000
Home values in ZIP 34685 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +207% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.6% | 184 |
| 2021 | +19.7% | 220 |
| 2022 | +12.2% | 247 |
| 2023 | +12.9% | 279 |
| 2024 | +10.4% | 307 |
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 438 business establishments in ZIP 34685, employing approximately 3,443 people with a combined annual payroll of $231,435,000.
438
Businesses
3,443
Employees
$231.4M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 99 | 22.6% |
| Real estate and rental and leasing | 51 | 11.6% |
| Health care and social assistance | 50 | 11.4% |
| Finance and insurance | 44 | 10.1% |
| Administrative and support and waste management and remediation services | 33 | 7.5% |
| Retail trade | 31 | 7.1% |
| Other services (except public administration) | 28 | 6.4% |
| Accommodation and food services | 25 | 5.7% |
| Construction | 22 | 5.0% |
| Wholesale trade | 15 | 3.4% |
| Transportation and warehousing | 11 | 2.5% |
| Information | 9 | 2.0% |
| Educational services | 9 | 2.0% |
| Arts, entertainment, and recreation | 5 | 1.1% |
| Manufacturing | 3 | 0.7% |
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 34685 vs 34688 →
ZIP 34685 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34683
Palm Harbor (34683)
31,268 residents
- 33626
Tampa (33626)
27,557 residents
- 34689
Tarpon Springs (34689)
26,132 residents
- 34684
Palm Harbor (34684)
25,847 residents
- 34677
Oldsmar (34677)
20,842 residents
- 33761
Clearwater (33761)
18,167 residents
- 34695
Safety Harbor (34695)
17,496 residents
- 34685
Palm Harbor (34685)
17,286 residents
- 34690
Holiday (34690)
13,137 residents
What this shows Among its immediate neighbors, ZIP 34685 ranks #8 by population - useful context the national average alone can't give.
ZIP 34685 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 33626
Tampa (33626)
$127,118 median income
- 34688
Tarpon Springs (34688)
$112,091 median income
- 34695
Safety Harbor (34695)
$95,238 median income
- 34685
Palm Harbor (34685)
$94,688 median income
- 34677
Oldsmar (34677)
$93,474 median income
- 34683
Palm Harbor (34683)
$92,885 median income
- 34689
Tarpon Springs (34689)
$74,854 median income
- 33761
Clearwater (33761)
$74,728 median income
- 34684
Palm Harbor (34684)
$72,145 median income
What this shows By household income, ZIP 34685 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 34688 | Tarpon Springs, FL | 7,274 | 3.4 mi |
| 34684 | Palm Harbor, FL | 25,847 | 2.7 mi |
| 34677 | Oldsmar, FL | 20,842 | 3.4 mi |
| 34683 | Palm Harbor, FL | 31,268 | 4.5 mi |
| 34695 | Safety Harbor, FL | 17,496 | 6.1 mi |
| 34681 | Crystal Beach, FL | 1,294 | 5.6 mi |
| 33626 | Tampa, FL | 27,557 | 4.8 mi |
| 33761 | Clearwater, FL | 18,167 | 5.1 mi |
| 34689 | Tarpon Springs, FL | 26,132 | 5.7 mi |
| 34690 | Holiday, FL | 13,137 | 7.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 34685, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (17,286 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Pinellas County
Related Areas
Frequently Asked Questions
What county is ZIP code 34685 in?
ZIP code 34685 (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 34685?
ZIP code 34685 in Palm Harbor, FL has a population of 17,286 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34685?
The median household income in ZIP 34685 is $94,688, which is 24% above the national average of $76,288.
What is the average home value in ZIP 34685?
The median home value in ZIP 34685 is $518,000, which is 86% above the national average of $278,155.
What is the demographic makeup of ZIP 34685?
The largest racial group in ZIP 34685 is White at 82.0%. Hispanic or Latino residents make up 7.9% of the population.
How many businesses are in ZIP code 34685?
ZIP code 34685 has 438 business establishments employing approximately 3,443 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34685?
The top industries by establishment count in ZIP 34685 are: Professional, scientific, and technical services (99), Real estate and rental and leasing (51), Health care and social assistance (50). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 34685?
According to the FHFA House Price Index, home values in ZIP 34685 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 207%. 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 34685?
In ZIP code 34685, 64.5% of residents aged 25+ have a high school diploma or higher, and 49.0% 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 34685?
The mean commute time for workers in ZIP code 34685 is 27.5 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 34685?
In ZIP code 34685, approximately 76.9% of occupied housing units are owner-occupied and 23.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34685?
The poverty rate in ZIP code 34685 is 4.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 34685's numbers, next.
- See how ZIP 34685 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Palm Harbor, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.