Safety Harbor, FL · standard
ZIP Code 34695
Pinellas County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,496
- 1,275/sq mi
- $95,238
- Median income
- $439,300
- Median home value
- 46.1%
- Bachelor's or higher
The verdict
Safety Harbor pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 22%
- household income, US ZIPs
- Top 17%
- home value, US ZIPs
- 1,275
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34695 against every reporting US ZIP.
ZIP code 34695 is classified by USPS as a standard delivery area and covers roughly 13.7 square miles in Safety Harbor, Pinellas County, Florida. The area is home to 17,496 residents, producing a population density of 1,275 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 34695 against Florida and the nation.
On the economic side, the median household income for ZIP 34695 sits at $95,238 (23% above the Florida average), while per-capita income is $58,191. The poverty rate stands at 6.0% and the unemployment rate at 3.1%. On housing, the median home value is $439,300 (17% above the state average) with median rent at $1,707 per month, and 86.5% of occupied units are owner-occupied, a direct signal of whether 34695 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 46.1% of adults hold a bachelor's degree or higher, the median age is 51.5, and the average commute is 25 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Pinellas County, so you can benchmark 34695 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 34695
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 34695.
- Professional, scientific, and technical services
Professional, scientific, and technical services
117 establishments
- Health care and social assistance
Health care and social assistance
92 establishments
- Construction
Construction
59 establishments
- Other services (except public administration)
Other services (except public administration)
49 establishments
- Real estate and rental and leasing 39
Real estate and rental and leasing
39 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 34695, Safety Harbor, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
17,496
Population
13.7
Area (sq mi)
1,275
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34695?
51.5
Median Age
47.7%
Male
52.3%
Female
10.6%
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?
$95,238
Median Household Income
+23% vs state
$58,191
Per Capita Income
6.0%
Poverty Rate
3.1%
Unemployment Rate
25.0 min
Mean Commute Time
How ZIP 34695 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$95,238 Top 22% higher than 78% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
8,162
Total Housing Units
7,494
Occupied Units
668
Vacant Units
2.38
Avg Household Size
Occupancy Type
$439,300
Median Home Value
+17% vs state
$1,707
Median Rent
1984
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
+4.5%
YoY Change (2024)
395
HPI Index (2000 = 100)
+295%
Total Change Since 2000
Home values in ZIP 34695 have increased 4.5% over the past year (2024). Since 2000, this ZIP has seen +295% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.2% | 241 |
| 2021 | +13.6% | 273 |
| 2022 | +25.3% | 342 |
| 2023 | +10.5% | 378 |
| 2024 | +4.5% | 395 |
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 573 business establishments in ZIP 34695, employing approximately 6,070 people with a combined annual payroll of $401,550,000.
573
Businesses
6,070
Employees
$401.6M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 117 | 20.4% |
| Health care and social assistance | 92 | 16.1% |
| Construction | 59 | 10.3% |
| Other services (except public administration) | 49 | 8.6% |
| Real estate and rental and leasing | 39 | 6.8% |
| Retail trade | 37 | 6.5% |
| Accommodation and food services | 37 | 6.5% |
| Administrative and support and waste management and remediation services | 36 | 6.3% |
| Finance and insurance | 27 | 4.7% |
| Manufacturing | 22 | 3.8% |
| Wholesale trade | 22 | 3.8% |
| Information | 9 | 1.6% |
| Arts, entertainment, and recreation | 9 | 1.6% |
| Transportation and warehousing | 7 | 1.2% |
| Educational services | 7 | 1.2% |
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 34695 vs 33759 →
ZIP 34695 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34698
Dunedin (34698)
37,240 residents
- 33755
Clearwater (33755)
26,146 residents
- 34684
Palm Harbor (34684)
25,847 residents
- 34677
Oldsmar (34677)
20,842 residents
- 33761
Clearwater (33761)
18,167 residents
- 33763
Clearwater (33763)
17,887 residents
- 33759
Clearwater (33759)
17,820 residents
- 34695
Safety Harbor (34695)
17,496 residents
- 34685
Palm Harbor (34685)
17,286 residents
What this shows Among its immediate neighbors, ZIP 34695 ranks #8 by population — useful context the national average alone can't give.
ZIP 34695 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34695
Safety Harbor (34695)
$95,238 median income
- 34685
Palm Harbor (34685)
$94,688 median income
- 34677
Oldsmar (34677)
$93,474 median income
- 33635
Tampa (33635)
$86,894 median income
- 33761
Clearwater (33761)
$74,728 median income
- 34698
Dunedin (34698)
$74,078 median income
- 34684
Palm Harbor (34684)
$72,145 median income
- 33765
Clearwater (33765)
$69,199 median income
- 33759
Clearwater (33759)
$67,492 median income
What this shows By household income, ZIP 34695 ranks the highest of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 33759 | Clearwater, FL | 17,820 | 2.2 mi |
| 33761 | Clearwater, FL | 18,167 | 2.3 mi |
| 33763 | Clearwater, FL | 17,887 | 2.9 mi |
| 34677 | Oldsmar, FL | 20,842 | 3.0 mi |
| 33765 | Clearwater, FL | 13,275 | 3.8 mi |
| 34685 | Palm Harbor, FL | 17,286 | 6.1 mi |
| 33635 | Tampa, FL | 15,741 | 5.0 mi |
| 34684 | Palm Harbor, FL | 25,847 | 5.4 mi |
| 34698 | Dunedin, FL | 37,240 | 5.4 mi |
| 33755 | Clearwater, FL | 26,146 | 5.5 mi |
More ZIP Codes in Pinellas County
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Frequently Asked Questions
What county is ZIP code 34695 in? ▼
What is the population of ZIP code 34695? ▼
What is the median household income in ZIP 34695? ▼
What is the average home value in ZIP 34695? ▼
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How many businesses are in ZIP code 34695? ▼
What are the main industries in ZIP code 34695? ▼
How have home values changed in ZIP code 34695? ▼
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What is the average commute time in ZIP 34695? ▼
What percentage of residents own vs. rent in ZIP 34695? ▼
What is the poverty rate in ZIP code 34695? ▼
ZIP Code Research Guides
Official Data Resources for Safety Harbor, FL
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.