Population & age
- Total population
- 994
- Median age
- 44.7
Pinellas County · Tampa-St. Petersburg-Clearwater, FL · Population 994
Palm Harbor, FL (ZIP 34681) sits in Pinellas County within the Tampa-St. Petersburg-Clearwater metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.8%. No NCES schools are mapped to this ZIP in the current dataset. 9 colleges and universities serve the area, with median in-state tuition of $15,598. Local establishments report average pay of $34,915 per worker (Census ZBP) — below the US average. Federal QCEW filings show 447,680 covered jobs in this ZIP's primary county — a major regional employment hub. The CDC SVI flags housing & transportation (73th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 27th-percentile score. FEMA has issued 45 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 54.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Florida has no state income tax (Tax Foundation 2025). Per IRS migration filings (2022-2023), the area's primary county netted $781,292,000 in incoming taxable income — a wealth-inflow signal even when headcount churn is modest. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $68,000, fair market rent of $2,130 for a two-bedroom, and a typical home value of $633,620, down 4.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,720
/month
1 Bed
$1,830
/month
2 Bed
$2,130
/month
3 Bed
$2,720
/month
4 Bed
$3,310
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$633,620
Zillow Home Value Index (ZHVI) · as of March 2026
-4.1%
vs. March 2025
+27.8%
vs. March 2021
Tampa-St. Petersburg-Clearwater, FL
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
2,627
Across 1,199 permitted buildings. Total construction value: $801.3M.
Single-family
1,135
43% of total units
Multifamily (2+ unit)
1,492
57% of total units
Single-family value
$505.7M
construction value
Multifamily value
$295.6M
construction value
Apartment construction (5+ unit buildings) accounts for 54% of new units this year — the area is densifying, not just adding single-family stock.
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business establishments
41
Total employment
130
Annual payroll
$4.5M
Average annual pay
$34,915
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$67,519
Average weekly wage
$1,298
Total employment
447,680
Total establishments
41,518
That is roughly 3% above the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.3%
That is 0.7 percentage points below the US national unemployment rate of about 4.0%.
Labor force
504,141
Employed
487,617
Unemployed
16,524
Based on Pinellas County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Tampa--St. Petersburg, FL
Reporting agencies
3
Largest: Hillsborough Area Regional Transit Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federally Declared Disasters
45
Date Range
1968–2024
Most Recent Declaration
HURRICANE MILTON
Hurricane — declared October 11, 2024 (DR-4834)
Incident period: October 5, 2024 – November 2, 2024
Top Incident Types
Individual Assistance
13
Direct help to disaster survivors
Households Program
11
Housing & temporary lodging support
Public Assistance
39
Repair of public facilities & roads
Hazard Mitigation
13
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
72.9°F
64.4° – 81.4°
Annual precipitation
54.3"
Diurnal range
16.9°F
Day-night swing
Heating · cooling days
589.4 · 3,485.5
Annual base 65°F
Nearest station: TARPON SPGS SEWAGE PLT, FL US, 4.5 miles from the centroid of Palm Harbor, FL (ZIP 34681)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
48
GoodPeak AQI (2024)
132
Unhealthy for Sensitive Groups
Primary pollutant
PM2.5
242 days as main pollutant
Days measured
360
Based on Pinellas County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
9,370
That is roughly 1,170 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
18%
of adults self-report
Poor physical health days
3.9
avg per adult per month
Poor mental health days
5.7
avg per adult per month
Uninsured
13.0%
of residents under 65
Primary care MDs
91
per 100,000 residents
Preventable hospital stays
3,335
per 100K Medicare enrollees
Food environment (0-10)
8.2
10 = best access & security
Exercise access
98%
residents near a facility
Flu vaccinated
46%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Pinellas data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Moderate food access challenges
18.1% of Pinellas County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.21
per 1,000 residents
Supercenters & clubs
0.02
per 1,000 residents
SNAP-authorized stores
0.79
accepting food benefits
Fast-food restaurants
0.74
per 1,000 residents
Among low-income residents, 5.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Pinellas County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 386 reports
Property crime rate
—
per 100K residents · 2,268 reports
Homicide
11
Robbery
31
Burglary
282
Vehicle theft
232
County-level data for Pinellas (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Net migration (2022-2023)
▼−2,331 people
+194 households • +$781.3M net AGI flow
Moved in
37,365households
55,788 people • $3.5B AGI
Moved out
37,171households
58,119 people • $2.7B AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $94,019 versus departing households' $73,491.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 34681. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 34681: Applied to this ZIP's typical home value of $633,620, that works out to roughly $3,197/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs in Palm Harbor
Nearby ZIPs by distance
34683 (Palm Harbor, 1 mi) · 34684 (Palm Harbor, 3.2 mi) · 34698 (Dunedin, 3.8 mi) · 34689 (Tarpon Springs, 4.2 mi) · 33761 (Clearwater, 5.1 mi) · 34685 (East Lake, 5.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
29.5%
3.5pp below the 33.0% national rate.
35.4%
3.4pp above the 32.0% national rate.
19.9%
2.1pp below the 22.0% national rate.
80.7%
4.7pp above the 76.0% national rate.
6.8%
6.2pp below the 13.0% national rate.
11.5%
Tracks close to the 11.0% national rate.
Colleges in this area
9
Median in-state tuition
$15,598
Median earnings (10 yr)
$34,577
New Port Richey, FL · 34654
New Port Richey, FL · 34652
New Port Richey, FL · 34653
Spring Hill, FL · 34606
Brooksville, FL · 34604
Trinity, FL · 34655
New Port Richey, FL · 34652
Brooksville, FL · 34601
Brooksville, FL · 34613
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Palm Harbor, FL (ZIP 34681) sits in Pinellas County within the Tampa-St. Petersburg-Clearwater metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.8%. No NCES schools are mapped to this ZIP in the current dataset. 9 colleges and universities serve the area, with median in-state tuition of $15,598. Local establishments report average pay of $34,915 per worker (Census ZBP) — below the US average. Federal QCEW filings show 447,680 covered jobs in this ZIP's primary county — a major regional employment hub. The CDC SVI flags housing & transportation (73th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 27th-percentile score. FEMA has issued 45 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 54.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Florida has no state income tax (Tax Foundation 2025). Per IRS migration filings (2022-2023), the area's primary county netted $781,292,000 in incoming taxable income — a wealth-inflow signal even when headcount churn is modest. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $68,000, fair market rent of $2,130 for a two-bedroom, and a typical home value of $633,620, down 4.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 19.9%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
29.5%, which is 3.5 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
19.9%, which is 2.1 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
35.4%, which is 3.4 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
994 people live in ZIP 34681, with a median age of 44.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$68,000 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 34681, 90.0% of occupied housing units are owner-occupied and 10.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 34681, 74.4% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
0.4% of the population in ZIP 34681 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
100.0% of households in ZIP 34681 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 34681 is $633,620, down 4.1% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 4.1% over the past year and up 27.8% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
As of 2022, 41 business establishments operated in ZIP 34681 employing 130 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 34681 is $34,915, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 34681 ranks in the 27th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 34681, ranking in the 73th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 45 federal disaster declarations affecting ZIP 34681 between 1968–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 34681, accounting for 21 of 45 declarations (47%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 34681 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
9 colleges and universities are listed near ZIP 34681 by the U.S. Department of Education College Scorecard, including Pasco-Hernando State College, Bene'S Career Academy, and Fred K Marchman Technical College (retrieved May 2, 2026).
Median in-state tuition across 9 nearby institutions is $15,598 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $34,577 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 34681 has an average annual temperature of 72.9°F and 54.3" of annual precipitation based on the TARPON SPGS SEWAGE PLT, FL US weather station 4.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 34681 is part of the Tampa--St. Petersburg, FL urbanized area, primarily served by Hillsborough Area Regional Transit Authority (National Transit Database 2024, retrieved May 4, 2026).
Florida has no state income tax. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (9 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (45 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (45 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs in Palm Harbor
Nearby ZIPs by distance
34683 (Palm Harbor, 1 mi) · 34684 (Palm Harbor, 3.2 mi) · 34698 (Dunedin, 3.8 mi) · 34689 (Tarpon Springs, 4.2 mi) · 33761 (Clearwater, 5.1 mi) · 34685 (East Lake, 5.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 34681?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
27th percentile
Moderate Vulnerability
Based on 1 census tract, population 1,870
Vulnerability Themes
Households Without Vehicle
59
Limited English Speakers
6
Persons with Disability
173
Without HS Diploma
57
Without Health Insurance
110
Adults Age 65+
432
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.