34695 ZIP Code — Safety Harbor, FL

Pinellas County, Florida

ZIP code 34695 is located in Safety Harbor, Florida, within Pinellas County. It covers approximately 5.58 square miles and serves a population of 17,853 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 727.

About ZIP code 34695

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 $356,200. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($98,494) 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. 40% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 44% of residents holding a bachelor's degree or higher.

Overall, ZIP code 34695 reflects a community defined by high homeownership and a significant Social Security-dependent population.

17,853

population

5.58

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34695 ZIP code map

Cities in ZIP code 34695

Below are the cities the US Postal Service accepts for ZIP code 34695. Using any city not on this list may result in mail delivery delays.

City	Status
Safety Harbor	Preferred

Nearby ZIP codes

33759 Clearwater (2.1 mi) 34677 Oldsmar (2.2 mi) 33761 Clearwater (2.2 mi) 33763 Clearwater (3.3 mi) 33765 Clearwater (4.2 mi) 33635 Tampa (4.9 mi) 34684 Palm Harbor (5.4 mi) 34685 Palm Harbor (5.8 mi) 33755 Clearwater (6 mi) 34698 Dunedin (6 mi) 33626 Tampa (6.1 mi) 33615 Tampa (6.2 mi)

Demographics updated 05/2026

Population
Total population	17,853
Population density	3,199 / sq mi
State FIPS	12
County FIPS	103

Geography
Land area	5.58 sq mi
Water area	3.29 sq mi
Latitude	28.0135
Longitude	-82.6923
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	28.1%	44.3%	43.4%
$50k – $100k	30.5%	30.2%	30.8%
$100k – $200k	28.5%	19.3%	19.3%
Over $200k	12.9%	6.2%	6.4%

Demographics & statistics

17,853

Population

3,199

People per sq mi

48.6

Median age

$98,494

Median household income

$54,371

Per capita income

$356,200

Median home value

$1,644

Median monthly rent

83.7%

Home ownership

6.2%

Poverty rate

4.4%

Unemployment

6,748

Housing units

44.0%

Bachelor's or higher

Age distribution

Male Female

479

Under 5

543

377

5–9

427

461

10–14

522

452

15–19

512

270

20–24

307

793

25–34

899

957

35–44

1,085

1,293

45–54

1,465

564

55–59

639

692

60–64

785

1,144

65–74

1,296

627

75–84

711

259

85+

294

← Male

Female →

Age summary

Group	Count	%
Under 18	3,485	19.5%
18 and over	14,368	80.5%
65 and over	4,331	24.3%
Median age	48.6 years

Race & ethnicity

White 82.9%

Black or African American 6.2%

Two or more races 4.3%

Hispanic or Latino 3.4%

Asian 2.1%

Other race 0.9%

American Indian / Alaska Native 0.3%

Group	Count	%
White	15,315	82.9%
Black or African American	1,138	6.2%
Two or more races	792	4.3%
Hispanic or Latino	628	3.4%
Asian	388	2.1%
Other race	161	0.9%
American Indian / Alaska Native	59	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.1%	44.3%	43.4%
$50k – $100k	30.5%	30.2%	30.8%
$100k – $200k	28.5%	19.3%	19.3%
Over $200k	12.9%	6.2%	6.4%

Under $10k 2.9%

$10k–$15k 2.5%

$15k–$25k 7.8%

$25k–$35k 5.3%

$35k–$50k 7.3%

$50k–$75k 15.4%

$75k–$100k 10.0%

$100k–$150k 19.9%

$150k–$200k 10.8%

$200k+ 18.3%

Range	% of households
Under $10k	2.9%
$10k–$15k	2.5%
$15k–$25k	7.8%
$25k–$35k	5.3%
$35k–$50k	7.3%
$50k–$75k	15.4%
$75k–$100k	10.0%
$100k–$150k	19.9%
$150k–$200k	10.8%
$200k+	18.3%
Median income	$98,494

Housing

Home values

Under $50k 6.1%

$50k–$100k 5.0%

$100k–$150k 5.7%

$150k–$200k 3.4%

$200k–$300k 19.4%

$300k–$500k 35.2%

$500k–$1M 23.4%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$356,200
Median rent / month	$1,644
Owner occupied	83.7%
Renter occupied	16.3%
Vacant	8.5%
Single-family detached	64.6%
Large apartment buildings	3.2%
Mobile homes	14.7%
Median rooms	5.8
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.2%
2010–2019	2.0%
2000–2009	7.1%
1990–1999	10.2%
1980–1989	46.5%
1970–1979	25.3%
1960–1969	5.3%
1950–1959	2.0%
1940–1949	0.7%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	3.6%
2 bedrooms	36.6%
3 bedrooms	35.4%
4 bedrooms	22.5%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	37.6%
2 vehicles	43.1%
3 or more	17.4%

Heating fuel

Fuel type	%
Utility gas	3.1%
Electricity	95.0%
Propane / LP gas	0.2%
Fuel oil	0.4%
Wood	0.2%
Solar	0.4%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	3,748	51.7%
Cohabiting couple	421	5.8%
Male householder, no spouse	972	13.4%
Female householder, no spouse	2,114	29.1%
Households with children under 18	1,896	26.1%
Households with seniors (65+)	2,962	40.8%
Average household size	2.43

Marital status

Status	Male	Female
Never married	26.7%	27.2%
Married	57.1%	46.7%
Separated	0.0%	0.6%
Widowed	3.2%	12.3%
Divorced	12.9%	13.1%

Education

Less than 9th grade 0.4%

Some HS, no diploma 2.6%

HS graduate 24.1%

Some college, no degree 19.4%

Associate's degree 9.6%

Bachelor's degree 30.1%

Graduate / professional 13.9%

Metric	%
HS diploma or higher	97.1%
Bachelor's or higher	44.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	194	5.8%
Kindergarten	167	5.0%
Elementary school	1,449	43.6%
High school	854	25.7%
College / grad school	663	19.9%

Employment

Industry of employment

Education & healthcare 23.0%

Professional & management 16.3%

Finance & real estate 14.3%

Arts, food & hospitality 9.5%

Retail trade 8.6%

Manufacturing 6.6%

Construction 4.6%

Transportation & utilities 4.5%

Public administration 3.6%

Information 3.0%

Other services 3.0%

Wholesale trade 2.6%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	47.3%
Service	15.0%
Sales & office	27.0%
Natural resources & construction	4.6%
Production & transportation	6.2%

Employment type

Type	%
Private sector	83.6%
Government	11.8%
Self-employed	4.5%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	69.3%
Carpool	8.5%
Public transit	0.2%
Walk	1.7%
Work from home	19.0%
Other means	1.3%
Avg commute (minutes)	24.6

Poverty

All people 6.2%

Under 18 years 5.4%

18 and over 6.3%

Married-couple families 2.6%

Female-led households 2.7%

Income support

Source	% of households
Social Security	39.6%
Retirement income	30.8%
Supplemental Security	1.6%
Cash public assistance	1.3%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	26.4%
High blood pressure	35.5%
High cholesterol	36.7%
Diabetes	10.4%
Heart disease	7.1%
Stroke	3.3%
Asthma	8.3%
Arthritis	27.0%
Kidney disease	3.1%
Pulmonary disease	7.9%
Cancer	8.1%

Behavior / access	%
Smoking	16.7%
Binge drinking	15.3%
No physical activity	21.9%
Less than 7 hrs sleep	30.9%
Depression	18.0%
Fair or poor health	13.7%
Poor mental health	13.9%
Poor physical health	10.8%
No health insurance	15.5%
Visited doctor (checkup)	74.7%
Visited dentist	61.5%
Cholesterol screening	93.3%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,227	8.5%

Disability	%
Any disability	12.0%
Under 18	9.2%
18–64 years	7.1%
65 and over	25.8%

Health insurance coverage

Type	%
Private insurance	75.3%
Public insurance	29.4%
No insurance	8.2%
Uninsured under 19	8.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,831	94.3%
Spanish	291	1.7%
Other Indo-European	217	1.3%
Asian & Pacific Islander	0	0.0%
Other languages	58	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,308	91.3%
Born in same state	15,979	89.5%
Born in different state	5,954	33.4%
Foreign born	329	1.8%
Naturalized citizen	1,545	8.7%
Not a US citizen	960	62.1%

Ancestry

Ancestry	Count	%
Italian	2,914	16.3%
Arab	1,820	10.2%
French	1,609	9%
English	272	1.5%
German	256	1.4%

Ancestry	Count	%
Irish	178	1%
Polish	173	1%
Norwegian	65	0.4%
Dutch	35	0.2%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	96.7%

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

Frequently asked questions about ZIP code 34695

What city is ZIP code 34695 in?

ZIP code 34695 is primarily assigned to Safety Harbor, Florida.

What county is ZIP code 34695 in?

ZIP code 34695 falls within Pinellas County, Florida.

Is ZIP code 34695 mostly owner-occupied?

84% of occupied units in ZIP code 34695 are owner-occupied, well above the national average.

Does ZIP code 34695 have a large retiree population?

40% of households in ZIP code 34695 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 34695?

The median home value in ZIP code 34695 is $356,200.

What is the population of ZIP code 34695?

ZIP code 34695 has an estimated population of 17,853 residents, with a density of 3,198 people per square mile.

What timezone is ZIP code 34695 in?

ZIP code 34695 observes the EST timezone.