The Town FilesPalm Harbor, Florida
Community in Pinellas County · population 61,366 (2020 Census)
- Median home
- $405,300
- Household income
- $78,935
- Jan low / Jul high
- 51° / 91°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 51
- Median age
- 50.9
Palm Harbor is a community of 61,366 people in Pinellas County, Florida. The median home is worth $405,300, above the typical Florida town ($331,600). It ranks hipper than 80% of Florida towns, more of a college town than 76% of Florida towns, better for retirees than 75% of Florida towns.
How Palm Harbor ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in Palm Harbor is worth $405,300, above the typical Florida town ($331,600). Homes cost about 5.1 times the median household income of $78,935, which is more affordable than 36% of Florida towns. Median rent is $1,806 a month. 77.9% of households own their home.
| Housing | Palm Harbor | Typical Florida town |
|---|---|---|
| Median home value | $405,300 | $331,600 |
| Median rent | $1,806 | $1,569 |
| Median household income | $78,935 | $71,140 |
| Home value ÷ income | 5.1× | 4.5× |
| Homeownership | 77.9% | 73.5% |
| Median year built | 1985 | 1985 |
| Seasonal / vacation homes | 8.1% | — |
Who lives in Palm Harbor
| People | Palm Harbor | Typical Florida town |
|---|---|---|
| Median age | 50.9 | 42.8 |
| Age 65 and over | 28.6% | 20.2% |
| Under 18 | 17.0% | — |
| Bachelor's degree or higher | 40.6% | 28.8% |
| Below the poverty line | 10.3% | 11.3% |
| Veterans | 8.3% | — |
| Born outside the U.S. | 12.8% | — |
| Work from home | 23.3% | 13.5% |
| Average commute | 26.7 min | 27.5 min |
| Homes with broadband | 90.6% | 92.4% |
Weather in Palm Harbor
July highs average 90.6°F and January lows 50.7°F. About 54.3 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 95 days a year at 90°F or hotter and 2 nights at or below freezing.
Tornadoes, storms and disasters
51 tornadoes have passed within 10 miles of Palm Harbor since 1950, compared with 35 for the typical Florida town. 4 rated (E)F2 or stronger. The strongest, an EF2, struck on October 12, 2023 about 2.2 miles from the town center. The most recent was on January 9, 2024.
Hail of 1 inch or larger has been reported within 10 miles 19 times; the largest was 1.75 inches on July 17, 1999.
Severe weather in Pinellas County since 1996
Pinellas County has been included in 45 federal disaster or emergency declarations since 1953, most often for fire, tornado, freezing.
| Declared | Incident | Declaration |
|---|---|---|
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| September 28, 2024 | Hurricane | DR-4828: Hurricane Helene |
| September 24, 2024 | Tropical Storm | EM-3615: Tropical Storm Helene |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
Jobs and pay in Pinellas County
Pinellas County had 447,680 jobs in 2024, paying an average of $67,519 a year. Unemployment was 2.8% in 2023; in Palm Harbor itself the ACS puts it at 3.3%.
Public schools in Palm Harbor
11 public schools with 9,048 students, about 17.1 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| PALM HARBOR UNIVERSITY HIGH | 9-12 | 2,502 | 22.3 |
| PALM HARBOR MIDDLE SCHOOL | 6-8 | 1,040 | 20.8 |
| JOSEPH L. CARWISE MIDDLE SCHOOL | 6-8 | 957 | 17.4 |
| OZONA ELEMENTARY SCHOOL | PK-5 | 763 | 15.6 |
| CYPRESS WOODS ELEMENTARY SCHOOL | PK-5 | 712 | 14.8 |
| SUTHERLAND ELEMENTARY SCHOOL | PK-5 | 630 | 16.6 |
| CURLEW CREEK ELEMENTARY SCHOOL | PK-5 | 620 | 13.2 |
| LAKE ST. GEORGE ELEMENTARY SCHOOL | PK-5 | 572 | 15.1 |
| HIGHLAND LAKES ELEMENTARY SCHOOL | PK-5 | 468 | 14.2 |
| ELISA NELSON ELEMENTARY | 1-5 | 431 | 15.4 |
| PLATO ACADEMY PALM HARBOR CHARTER SCHOOL (charter) | K-8 | 353 | 11.8 |
Towns near Palm Harbor
- Dunedin, FL3.9 mi · 36,068 people · home $396,000
- Tarpon Springs, FL4.6 mi · 25,117 people · home $340,700
- Greenbriar, FL4.9 mi · 2,696 people · home $353,200
- East Lake, FL4.9 mi · 32,344 people · home $488,000
- Oldsmar, FL5.8 mi · 14,898 people · home $380,300
- Safety Harbor, FL6.5 mi · 17,072 people · home $454,000
- Holiday, FL7.1 mi · 24,939 people · home $170,100
- Clearwater, FL7.3 mi · 117,292 people · home $361,300
Palm Harbor questions
Is Palm Harbor, Florida a good place to retire?
On The Town Files lifestyle rankings, Palm Harbor scores better for retirees than 75% of Florida towns and quieter than 44%. 28.6% of residents are 65 or older (median age 50.9).
How much does a house cost in Palm Harbor?
The median owner-occupied home in Palm Harbor is valued at $405,300 (Census ACS 2020–2024), against a median household income of $78,935, so homes cost about 5.1 times income. Median rent is $1,806 a month.
What is the weather like in Palm Harbor?
July highs average 90.6°F and January lows 50.7°F (NOAA 1991–2020 normals). It gets about 54.3 inches of precipitation a year and 0.0 inches of snow.
Does Palm Harbor get tornadoes?
51 tornadoes have passed within 10 miles of Palm Harbor since 1950 (NOAA Storm Events); the strongest was an EF2 on October 12, 2023. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)