Palm Harbor ZIP Code List — Pinellas County, FL

There are 4 unique ZIP codes in Palm Harbor, Florida. Area code: 727.

ZIP codes

27.09

sq mi land

3.91

sq mi water

727

area code

Palm Harbor, FL ZIP code map

About Palm Harbor, FL

Palm Harbor is a charming city located in Florida's Pinellas County. Known for its picturesque landscapes and vibrant community, it offers a unique blend of suburban tranquility and access to coastal attractions. With three ZIP codes, 34683, 34684, and 34685, Palm Harbor is a desirable destination for both residents and visitors alike.

Location & geography

Palm Harbor is situated on the Gulf Coast of Florida, bordered by the cities of Clearwater to the southwest, Dunedin to the north, and Tarpon Springs to the northwest. Covering a total land area of 27.09 square miles and a water area of 3.91 square miles, the city features a mix of residential neighborhoods and beautiful waterfront properties. The terrain includes lush parks and recreational areas that provide ample opportunities for outdoor activities.

Community & economy

The character of Palm Harbor is defined by its friendly atmosphere and strong sense of community. The city boasts a mix of industries, including retail, healthcare, and tourism, which contribute to its economic stability. Daily life in Palm Harbor is enhanced by local events, thriving businesses, and numerous recreational options, making it a great place for families and individuals.

Transportation

Transportation in Palm Harbor is accessible via several major thoroughfares, including U.S. Route 19 and Florida State Road 586. The nearest airport is Tampa International Airport, located approximately 20 miles to the east, offering both domestic and international flights. Public transportation options are also available, providing connections to neighboring cities and attractions.

History

Founded in the late 1800s, Palm Harbor was originally known for its citrus industry before transitioning to a more residential area as the population grew. Notable events include the establishment of the local post office in 1901, which marked the formal recognition of the community. Over the years, Palm Harbor has developed into a desirable destination for visitors and a comfortable home for its residents.

Did you know?

One surprising fact about Palm Harbor is that it is home to the famous Innisbrook Resort, which hosts the annual Valspar Championship golf tournament. Additionally, the city has a robust arts scene, with various galleries and cultural events celebrated throughout the year.

ZIP codes for Palm Harbor, FL (4)

ZIP code	City	County	Map
34682	Palm Harbor	Pinellas	View map
34683	Palm Harbor	Pinellas	View map
34684	Palm Harbor	Pinellas	View map
34685	Palm Harbor	Pinellas	View map

Demographics & statistics

79,507

Population

50.6

Median age

$78,480

Median household income

$46,195

Per capita income

$358,667

Median home value

$1,595

Median monthly rent

75.5%

Home ownership

8.5%

Poverty rate

3.0%

Unemployment

29,741

Housing units

40.5%

Bachelor's or higher

Age distribution

Male Female

1,348

Under 5

1,546

1,741

5–9

1,999

1,872

10–14

2,149

1,877

15–19

2,155

1,548

20–24

1,777

3,647

25–34

4,186

3,745

35–44

4,299

5,076

45–54

5,826

2,835

55–59

3,253

3,175

60–64

3,644

5,012

65–74

5,752

3,441

75–84

3,949

1,702

85+

1,953

← Male

Female →

Age summary

Group	Count	%
Under 18	13,507	17.0%
18 and over	66,000	83.0%
65 and over	21,809	27.8%
Median age	50.6 years

Race & ethnicity

White 82.1%

Two or more races 6%

Hispanic or Latino 5.4%

Asian 2.6%

Black or African American 2.4%

Other race 1.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	68,972	82.1%
Two or more races	5,025	6%
Hispanic or Latino	4,520	5.4%
Asian	2,168	2.6%
Black or African American	2,026	2.4%
Other race	1,101	1.3%
American Indian / Alaska Native	209	0.2%

Household income

Under $10k 4.5%

$10k–$15k 2.3%

$15k–$25k 6.5%

$25k–$35k 7.4%

$35k–$50k 11.3%

$50k–$75k 17.4%

$75k–$100k 12.6%

$100k–$150k 16.9%

$150k–$200k 9.6%

$200k+ 11.4%

Range	% of households
Under $10k	4.5%
$10k–$15k	2.3%
$15k–$25k	6.5%
$25k–$35k	7.4%
$35k–$50k	11.3%
$50k–$75k	17.4%
$75k–$100k	12.6%
$100k–$150k	16.9%
$150k–$200k	9.6%
$200k+	11.4%
Median income	$78,480

Housing

Home values

Under $50k 3.0%

$50k–$100k 2.5%

$100k–$150k 5.8%

$150k–$200k 8.6%

$200k–$300k 19.1%

$300k–$500k 34.2%

$500k–$1M 23.3%

$1M+ 3.5%

Housing overview

Metric	Value
Median home value	$358,667
Median rent / month	$1,595
Owner occupied	75.5%
Renter occupied	24.5%
Vacant	9.4%
Single-family detached	54.6%
Large apartment buildings	9.7%
Mobile homes	3.5%
Median rooms	5.5
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.2%
2010–2019	2.4%
2000–2009	7.9%
1990–1999	25.6%
1980–1989	43.7%
1970–1979	15.0%
1960–1969	2.7%
1950–1959	1.9%
1940–1949	0.3%
1939 or earlier	0.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	9.1%
2 bedrooms	36.9%
3 bedrooms	31.9%
4 bedrooms	17.6%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.2%
1 vehicle	39.4%
2 vehicles	39.5%
3 or more	14.9%

Heating fuel

Fuel type	%
Utility gas	2.2%
Electricity	96.1%
Propane / LP gas	0.3%
Solar	0.3%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	17,086	51.1%
Cohabiting couple	1,882	5.2%
Male householder, no spouse	4,682	13.0%
Female householder, no spouse	10,629	30.6%
Households with children under 18	7,692	22.8%
Households with seniors (65+)	15,212	44.3%
Average household size	2.30

Marital status

Status	Male	Female
Never married	27.0%	21.6%
Married	59.2%	47.2%
Separated	0.7%	1.3%
Widowed	3.3%	13.9%
Divorced	9.7%	16.0%

Education

Less than 9th grade 1.7%

Some HS, no diploma 3.3%

HS graduate 22.3%

Some college, no degree 20.0%

Associate's degree 12.2%

Bachelor's degree 26.2%

Graduate / professional 14.3%

Metric	%
HS diploma or higher	95.0%
Bachelor's or higher	40.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,107	7.2%
Kindergarten	589	3.7%
Elementary school	6,044	38.7%
High school	3,986	26.0%
College / grad school	3,665	24.4%

Employment

Industry of employment

Education & healthcare 23.7%

Professional & management 16.1%

Retail trade 12.3%

Finance & real estate 10.4%

Arts, food & hospitality 8.7%

Construction 7.1%

Manufacturing 6.7%

Other services 4.6%

Transportation & utilities 3.0%

Public administration 3.0%

Wholesale trade 2.3%

Information 1.9%

Occupation

Category	%
Management, business & arts	49.4%
Service	13.4%
Sales & office	25.6%
Natural resources & construction	4.6%
Production & transportation	6.9%

Employment type

Type	%
Private sector	84.7%
Government	10.3%
Self-employed	4.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	74.4%
Carpool	5.8%
Public transit	0.1%
Walk	0.3%
Other means	2.0%
Avg commute (minutes)	27.8

Poverty

All people 8.5%

Under 18 years 9.9%

18 and over 8.3%

Married-couple families 3.2%

Female-led households 20.9%

Income support

Source	% of households
Social Security	43.4%
Retirement income	32.3%
Supplemental Security	2.3%
Cash public assistance	1.3%
Food stamps / SNAP	6.2%

Health indicators

Condition	%
High blood pressure	34.9%
High cholesterol	35.9%
Heart disease	7.3%
Stroke	3.3%
Asthma	8.2%
Arthritis	27.0%
Kidney disease	3.2%
Pulmonary disease	7.7%
Cancer	8.4%

Behavior / access	%
Binge drinking	15.5%
No physical activity	21.6%
Less than 7 hrs sleep	30.4%
Fair or poor health	13.3%
Poor mental health	13.8%
Poor physical health	10.6%
No health insurance	15.6%
Visited doctor (checkup)	74.5%
Visited dentist	62.3%
Cholesterol screening	93.1%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	5,260	8.1%

Disability	%
Any disability	14.4%
Under 18	4.7%
18–64 years	7.5%
65 and over	33.9%

Health insurance coverage

Type	%
Private insurance	71.7%
Public insurance	35.3%
Uninsured under 19	5.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	76,613	96.5%
Spanish	3,832	4.7%
Other Indo-European	1,346	1.7%
Asian & Pacific Islander	1,513	1.9%
Other languages	415	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	69,476	87.5%
Born in same state	68,032	85.7%
Born in different state	22,457	28.0%
Foreign born	1,444	1.8%
Naturalized citizen	10,031	12.5%
Not a US citizen	6,939	69.1%

Ancestry

Ancestry	Count	%
Italian	11,965	15%
French	9,683	12.2%
Arab	5,319	6.7%
German	823	1%
Irish	778	1%

Ancestry	Count	%
Polish	760	1%
English	566	0.7%
Norwegian	311	0.4%
Dutch	181	0.2%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	95.5%

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

Frequently asked questions

What ZIP codes does Palm Harbor, FL have?

Palm Harbor, FL has 3 ZIP codes: 34683, 34684, 34685. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Palm Harbor, FL?

The primary ZIP code for Palm Harbor, FL is 34683. The city uses area code 727 for phone service.

What county is Palm Harbor, FL in?

Palm Harbor is located in Pinellas County, Florida.

How many ZIP codes are in Palm Harbor, FL?

Palm Harbor, FL has 3 ZIP codes.

What ZIP code covers the Palm Harbor downtown area and the beaches near the Gulf of Mexico?

The downtown Palm Harbor area and waterfront properties near the Gulf are primarily located in ZIP code 34683, which serves the central and coastal portions of the city.

Which ZIP codes service the residential neighborhoods in Palm Harbor near the Innisbrook Resort?

The neighborhoods surrounding Innisbrook Resort, one of Palm Harbor's premier golf destinations, are served by ZIP codes 34684 and 34685, which cover the northern and eastern residential areas of the city.