34684 ZIP Code — Palm Harbor, FL
Pinellas County, Florida
ZIP code 34684 is located in Palm Harbor, Florida, within Pinellas County. It covers approximately 6.74 square miles and serves a population of 27,607 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 727.
About ZIP code 34684
The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $258,300. Owner-occupancy sits near the national average at 72%.
Median household income is $62,541. 53% 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 27 minutes is near the national average.
Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.
27,607
population
6.74
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
34684 ZIP code map
Cities in ZIP code 34684
Below are the cities the US Postal Service accepts for ZIP code 34684. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Palm Harbor | Preferred |
Nearby ZIP codes
34685 Palm Harbor (2.3 mi)
34683 Palm Harbor (2.4 mi)
33761 Clearwater (3.9 mi)
34677 Oldsmar (4 mi)
34688 Tarpon Springs (4.5 mi)
34689 Tarpon Springs (4.8 mi)
34698 Dunedin (5 mi)
33763 Clearwater (5.3 mi)
34695 Safety Harbor (5.4 mi)
33626 Tampa (6.8 mi)
34690 Holiday (7.3 mi)
33759 Clearwater (7.4 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 27,607 |
| Population density | 4,096 / sq mi |
| State FIPS | 12 |
| County FIPS | 103 |
| Geography | |
|---|---|
| Land area | 6.74 sq mi |
| Water area | 1.37 sq mi |
| Latitude | 28.0860 |
| Longitude | -82.7236 |
| 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 | 43.4% | 44.3% | 43.4% |
| $50k – $100k | 33.7% | 30.2% | 30.8% |
| $100k – $200k | 17.9% | 19.3% | 19.3% |
| Over $200k | 5.0% | 6.2% | 6.4% |
Demographics & statistics
27,607
Population
4,096
People per sq mi
55.1
Median age
$62,541
Median household income
$42,364
Per capita income
$258,300
Median home value
$1,677
Median monthly rent
72.0%
Home ownership
10.4%
Poverty rate
3.7%
Unemployment
10,865
Housing units
33.8%
Bachelor's or higher
Age distribution
Male
Female
468
Under 5
571
544
5–9
662
469
10–14
572
543
15–19
661
466
20–24
567
959
25–34
1,168
1,244
35–44
1,515
1,509
45–54
1,838
771
55–59
940
999
60–64
1,217
1,915
65–74
2,332
1,443
75–84
1,757
1,117
85+
1,360
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 4,033 | 14.6% |
| 18 and over | 23,574 | 85.4% |
| 65 and over | 9,924 | 35.9% |
| Median age | 55.1 years | |
Race & ethnicity
White
84.2%
Two or more races
4.9%
Asian
3.8%
Hispanic or Latino
3.7%
Black or African American
2.7%
Other race
0.6%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 24,144 | 84.2% |
| Two or more races | 1,396 | 4.9% |
| Asian | 1,083 | 3.8% |
| Hispanic or Latino | 1,054 | 3.7% |
| Black or African American | 771 | 2.7% |
| Other race | 185 | 0.6% |
| American Indian / Alaska Native | 28 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.4% | 44.3% | 43.4% |
| $50k – $100k | 33.7% | 30.2% | 30.8% |
| $100k – $200k | 17.9% | 19.3% | 19.3% |
| Over $200k | 5.0% | 6.2% | 6.4% |
Under $10k
6.6%
$10k–$15k
3.9%
$15k–$25k
7.3%
$25k–$35k
9.3%
$35k–$50k
12.1%
$50k–$75k
21.1%
$75k–$100k
11.2%
$100k–$150k
15.4%
$150k–$200k
5.2%
$200k+
7.9%
| Range | % of households |
|---|---|
| Under $10k | 6.6% |
| $10k–$15k | 3.9% |
| $15k–$25k | 7.3% |
| $25k–$35k | 9.3% |
| $35k–$50k | 12.1% |
| $50k–$75k | 21.1% |
| $75k–$100k | 11.2% |
| $100k–$150k | 15.4% |
| $150k–$200k | 5.2% |
| $200k+ | 7.9% |
| Median income | $62,541 |
Housing
Home values
Under $50k
4.4%
$50k–$100k
4.6%
$100k–$150k
10.1%
$150k–$200k
14.0%
$200k–$300k
26.1%
$300k–$500k
27.2%
$500k–$1M
11.2%
$1M+
2.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $258,300 |
| Median rent / month | $1,677 |
| Owner occupied | 72.0% |
| Renter occupied | 28.0% |
| Vacant | 10.4% |
| Single-family detached | 45.9% |
| Large apartment buildings | 11.5% |
| Mobile homes | 7.4% |
| Median rooms | 4.9 |
| Avg household size (owned) | 2.08 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 2.4% |
| 2000–2009 | 3.9% |
| 1990–1999 | 17.0% |
| 1980–1989 | 54.7% |
| 1970–1979 | 16.9% |
| 1960–1969 | 3.3% |
| 1950–1959 | 1.5% |
| 1940–1949 | 0.0% |
| 1939 or earlier | 0.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.4% |
| 1 bedroom | 10.2% |
| 2 bedrooms | 52.3% |
| 3 bedrooms | 25.1% |
| 4 bedrooms | 10.2% |
| 5+ bedrooms | 0.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 10.6% |
| 1 vehicle | 46.0% |
| 2 vehicles | 35.3% |
| 3 or more | 8.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 1.9% |
| Electricity | 95.7% |
| Propane / LP gas | 0.2% |
| No fuel used | 2.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 5,488 | 42.3% |
| Cohabiting couple | 654 | 5.0% |
| Male householder, no spouse | 1,922 | 14.8% |
| Female householder, no spouse | 4,924 | 37.9% |
| Households with children under 18 | 2,390 | 18.4% |
| Households with seniors (65+) | 6,881 | 53.0% |
| Average household size | 2.07 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 28.1% | 18.4% |
| Married | 55.0% | 41.0% |
| Separated | 1.1% | 2.3% |
| Widowed | 5.4% | 22.0% |
| Divorced | 10.4% | 16.3% |
Education
Less than 9th grade
1.4%
Some HS, no diploma
3.4%
HS graduate
27.6%
Some college, no degree
23.8%
Associate's degree
10.1%
Bachelor's degree
22.6%
Graduate / professional
11.2%
| Metric | % |
|---|---|
| HS diploma or higher | 95.3% |
| Bachelor's or higher | 33.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 310 | 6.8% |
| Kindergarten | 230 | 5.0% |
| Elementary school | 1,495 | 32.6% |
| High school | 1,238 | 27.0% |
| College / grad school | 1,312 | 28.6% |
Employment
Industry of employment
Education & healthcare
24.0%
Professional & management
13.8%
Retail trade
12.2%
Arts, food & hospitality
9.0%
Finance & real estate
8.4%
Construction
8.0%
Manufacturing
7.2%
Other services
6.2%
Transportation & utilities
3.8%
Wholesale trade
2.8%
Information
2.8%
Public administration
1.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 45.3% |
| Service | 15.4% |
| Sales & office | 26.6% |
| Natural resources & construction | 5.0% |
| Production & transportation | 7.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.0% |
| Government | 8.6% |
| Self-employed | 5.5% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 77.8% |
| Carpool | 5.1% |
| Public transit | 0.2% |
| Walk | 0.4% |
| Work from home | 14.3% |
| Other means | 2.1% |
| Avg commute (minutes) | 27.2 |
Poverty
All people
10.4%
Under 18 years
12.6%
18 and over
10.0%
Married-couple families
3.0%
Female-led households
22.3%
Income support
| Source | % of households |
|---|---|
| Social Security | 52.8% |
| Retirement income | 37.9% |
| Supplemental Security | 2.8% |
| Cash public assistance | 1.8% |
| Food stamps / SNAP | 4.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 24.6% |
| High blood pressure | 38.3% |
| High cholesterol | 37.8% |
| Diabetes | 11.0% |
| Heart disease | 8.8% |
| Stroke | 3.9% |
| Asthma | 8.0% |
| Arthritis | 30.4% |
| Kidney disease | 3.7% |
| Pulmonary disease | 8.6% |
| Cancer | 10.1% |
| Behavior / access | % |
|---|---|
| Smoking | 15.2% |
| Binge drinking | 14.0% |
| No physical activity | 23.3% |
| Less than 7 hrs sleep | 29.6% |
| Depression | 17.2% |
| Fair or poor health | 14.4% |
| Poor mental health | 13.2% |
| Poor physical health | 11.2% |
| No health insurance | 16.5% |
| Visited doctor (checkup) | 76.4% |
| Visited dentist | 62.0% |
| Cholesterol screening | 93.7% |
| Teeth loss | 12.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,164 | 9.2% |
| Disability | % |
|---|---|
| Any disability | 18.6% |
| Under 18 | 8.0% |
| 18–64 years | 9.5% |
| 65 and over | 35.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 68.2% |
| Public insurance | 42.5% |
| No insurance | 7.7% |
| Uninsured under 19 | 7.1% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 26,568 | 96.2% |
| Spanish | 1,419 | 5.3% |
| Other Indo-European | 439 | 1.7% |
| Asian & Pacific Islander | 624 | 2.3% |
| Other languages | 226 | 0.9% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 23,966 | 86.8% |
| Born in same state | 23,581 | 85.4% |
| Born in different state | 6,594 | 23.9% |
| Foreign born | 385 | 1.4% |
| Naturalized citizen | 3,641 | 13.2% |
| Not a US citizen | 2,216 | 60.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 4,691 | 17% |
| French | 3,596 | 13% |
| Arab | 2,146 | 7.8% |
| Irish | 335 | 1.2% |
| German | 300 | 1.1% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 264 | 1% |
| English | 224 | 0.8% |
| Norwegian | 169 | 0.6% |
| Dutch | 31 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 47.0% |
| Internet access | 93.5% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 34684
What city is ZIP code 34684 in?
ZIP code 34684 is primarily assigned to Palm Harbor, Florida.
What county is ZIP code 34684 in?
ZIP code 34684 falls within Pinellas County, Florida.
Does ZIP code 34684 have an older population?
36% of residents in ZIP code 34684 are 65 or older, above the national average of ~17%.
Does ZIP code 34684 have a large retiree population?
53% of households in ZIP code 34684 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 34684 have a large veteran population?
9% of civilians in ZIP code 34684 are veterans, above the national average of ~7%.
What is the population of ZIP code 34684?
ZIP code 34684 has an estimated population of 27,607 residents, with a density of 4,098 people per square mile.
What timezone is ZIP code 34684 in?
ZIP code 34684 observes the EST timezone.