34685 ZIP Code — Palm Harbor, FL

Pinellas County, Florida

ZIP code 34685 is located in Palm Harbor, Florida, within Pinellas County. It covers approximately 10.07 square miles and serves a population of 17,869 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 727.

About ZIP code 34685

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $444,800. Owner-occupancy is high at 75%, well above the national average.

The gap between median ($88,867) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 34685 reflects a community defined by high homeownership and a significant Social Security-dependent population.

17,869

population

10.07

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34685 ZIP code map

Cities in ZIP code 34685

Below are the cities the US Postal Service accepts for ZIP code 34685. Using any city not on this list may result in mail delivery delays.

City	Status
Palm Harbor	Preferred

Nearby ZIP codes

34684 Palm Harbor (2.3 mi) 34688 Tarpon Springs (3.3 mi) 34677 Oldsmar (3.8 mi) 34683 Palm Harbor (4.6 mi) 33626 Tampa (5 mi) 33761 Clearwater (5.2 mi) 34689 Tarpon Springs (5.6 mi) 34695 Safety Harbor (5.8 mi) 33556 Odessa (6.5 mi) 34690 Holiday (6.8 mi) 33763 Clearwater (6.9 mi) 34698 Dunedin (7.2 mi)

Demographics updated 05/2026

Population
Total population	17,869
Population density	1,774 / sq mi
State FIPS	12
County FIPS	103

Geography
Land area	10.07 sq mi
Water area	1.09 sq mi
Latitude	28.0978
Longitude	-82.6879
Timezone	Eastern (ET)
Area code	727

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.6%	44.3%	43.4%
$50k – $100k	29.5%	30.2%	30.8%
$100k – $200k	26.6%	19.3%	19.3%
Over $200k	11.2%	6.2%	6.4%

Demographics & statistics

17,869

Population

1,774

People per sq mi

49.6

Median age

$88,867

Median household income

$55,677

Per capita income

$444,800

Median home value

$1,665

Median monthly rent

75.1%

Home ownership

5.7%

Poverty rate

3.0%

Unemployment

6,131

Housing units

47.9%

Bachelor's or higher

Age distribution

Male Female

239

Under 5

279

432

5–9

504

526

10–14

614

443

15–19

517

318

20–24

372

615

25–34

719

979

35–44

1,144

1,236

45–54

1,444

529

55–59

619

737

60–64

862

1,068

65–74

1,248

925

75–84

1,081

193

85+

226

← Male

Female →

Age summary

Group	Count	%
Under 18	3,275	18.3%
18 and over	14,594	81.7%
65 and over	4,741	26.5%
Median age	49.6 years

Race & ethnicity

White 76.2%

Hispanic or Latino 6.8%

Two or more races 6.5%

Black or African American 4.4%

Other race 2.9%

Asian 2.9%

American Indian / Alaska Native 0.3%

Group	Count	%
White	14,611	76.2%
Hispanic or Latino	1,301	6.8%
Two or more races	1,250	6.5%
Black or African American	851	4.4%
Other race	552	2.9%
Asian	547	2.9%
American Indian / Alaska Native	52	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.6%	44.3%	43.4%
$50k – $100k	29.5%	30.2%	30.8%
$100k – $200k	26.6%	19.3%	19.3%
Over $200k	11.2%	6.2%	6.4%

Under $10k 3.6%

$10k–$15k 0.7%

$15k–$25k 6.4%

$25k–$35k 4.5%

$35k–$50k 11.2%

$50k–$75k 16.6%

$75k–$100k 11.1%

$100k–$150k 18.0%

$150k–$200k 11.9%

$200k+ 15.9%

Range	% of households
Under $10k	3.6%
$10k–$15k	0.7%
$15k–$25k	6.4%
$25k–$35k	4.5%
$35k–$50k	11.2%
$50k–$75k	16.6%
$75k–$100k	11.1%
$100k–$150k	18.0%
$150k–$200k	11.9%
$200k+	15.9%
Median income	$88,867

Housing

Home values

Under $50k 1.9%

$50k–$100k 0.3%

$100k–$150k 3.2%

$150k–$200k 4.3%

$200k–$300k 13.8%

$300k–$500k 36.9%

$500k–$1M 35.4%

$1M+ 4.2%

Housing overview

Metric	Value
Median home value	$444,800
Median rent / month	$1,665
Owner occupied	75.1%
Renter occupied	24.9%
Vacant	6.2%
Single-family detached	54.8%
Large apartment buildings	12.4%
Mobile homes	0.0%
Median rooms	6.0
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.0%
2010–2019	1.2%
2000–2009	12.0%
1990–1999	44.8%
1980–1989	32.7%
1970–1979	7.7%
1960–1969	0.5%
1950–1959	0.3%
1940–1949	0.8%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	7.4%
2 bedrooms	30.4%
3 bedrooms	28.2%
4 bedrooms	25.7%
5+ bedrooms	6.9%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	37.0%
2 vehicles	40.3%
3 or more	18.5%

Heating fuel

Fuel type	%
Utility gas	2.9%
Electricity	95.1%
Propane / LP gas	0.4%
Solar	0.7%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	4,433	59.1%
Cohabiting couple	290	3.9%
Male householder, no spouse	701	9.3%
Female householder, no spouse	2,075	27.7%
Households with children under 18	1,920	25.6%
Households with seniors (65+)	3,195	42.6%
Average household size	2.38

Marital status

Status	Male	Female
Never married	22.2%	22.0%
Married	68.1%	52.2%
Separated	0.1%	0.2%
Widowed	2.0%	9.8%
Divorced	7.5%	15.8%

Education

Less than 9th grade 0.9%

Some HS, no diploma 3.4%

HS graduate 17.0%

Some college, no degree 17.6%

Associate's degree 13.0%

Bachelor's degree 30.0%

Graduate / professional 17.9%

Metric	%
HS diploma or higher	95.6%
Bachelor's or higher	47.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	309	7.6%
Kindergarten	71	1.8%
Elementary school	1,630	40.2%
High school	1,049	25.9%
College / grad school	995	24.5%

Employment

Industry of employment

Education & healthcare 25.2%

Professional & management 17.8%

Finance & real estate 15.0%

Retail trade 12.3%

Manufacturing 6.9%

Arts, food & hospitality 6.8%

Construction 5.0%

Public administration 3.8%

Transportation & utilities 2.2%

Other services 2.1%

Wholesale trade 1.5%

Information 1.3%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	56.7%
Service	9.5%
Sales & office	26.3%
Natural resources & construction	3.6%
Production & transportation	3.9%

Employment type

Type	%
Private sector	85.3%
Government	11.0%
Self-employed	3.5%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	73.2%
Carpool	5.2%
Public transit	0.0%
Walk	0.0%
Work from home	19.3%
Other means	2.4%
Avg commute (minutes)	28.3

Poverty

All people 5.7%

Under 18 years 6.6%

18 and over 5.5%

Married-couple families 1.7%

Female-led households 24.7%

Income support

Source	% of households
Social Security	40.8%
Retirement income	33.4%
Supplemental Security	1.9%
Cash public assistance	0.6%
Food stamps / SNAP	6.3%

Health indicators

Condition	%
Obesity	25.4%
High blood pressure	33.1%
High cholesterol	34.9%
Diabetes	9.4%
Heart disease	6.4%
Stroke	2.9%
Asthma	8.1%
Arthritis	25.0%
Kidney disease	2.9%
Pulmonary disease	6.9%
Cancer	7.7%

Behavior / access	%
Smoking	15.4%
Binge drinking	15.9%
No physical activity	20.2%
Less than 7 hrs sleep	30.3%
Depression	17.8%
Fair or poor health	12.2%
Poor mental health	13.6%
Poor physical health	9.9%
No health insurance	14.6%
Visited doctor (checkup)	73.9%
Visited dentist	63.7%
Cholesterol screening	93.2%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,204	8.2%

Disability	%
Any disability	12.0%
Under 18	1.2%
18–64 years	5.1%
65 and over	33.6%

Health insurance coverage

Type	%
Private insurance	75.7%
Public insurance	32.0%
No insurance	5.8%
Uninsured under 19	5.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,351	97.1%
Spanish	544	3.1%
Other Indo-European	219	1.3%
Asian & Pacific Islander	227	1.3%
Other languages	83	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,749	88.1%
Born in same state	15,423	86.3%
Born in different state	5,060	28.3%
Foreign born	326	1.8%
Naturalized citizen	2,120	11.9%
Not a US citizen	1,501	70.8%

Ancestry

Ancestry	Count	%
French	2,276	12.7%
Italian	1,828	10.2%
Arab	1,159	6.5%
German	158	0.9%
English	137	0.8%

Ancestry	Count	%
Polish	94	0.5%
Irish	66	0.4%
Norwegian	49	0.3%
Dutch	18	0.1%

Technology access

Metric	% of households
Computer access	42.0%
Internet access	96.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 34685

What city is ZIP code 34685 in?

ZIP code 34685 is primarily assigned to Palm Harbor, Florida.

What county is ZIP code 34685 in?

ZIP code 34685 falls within Pinellas County, Florida.

Does ZIP code 34685 have an older population?

27% of residents in ZIP code 34685 are 65 or older, above the national average of ~17%.

Does ZIP code 34685 have a large retiree population?

41% of households in ZIP code 34685 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 34685?

48% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 34685?

The median home value in ZIP code 34685 is $444,800.

What timezone is ZIP code 34685 in?

ZIP code 34685 observes the EST timezone.