Cost of Living in Palm Harbor, FL
Population 61,454 · Florida · Data vintage 2023
(100 = US avg)
Palm Harbor lands reasonably close to national benchmarks on most cost indicators, with a median home value of $360,000 — 18% above the US figure. That makes it a useful reference point for comparing with more extreme markets in Florida. An unemployment rate of 2.7% points to a labor market well on the tight side of the national distribution.
Palm Harbor sits roughly 7 miles north of Clearwater — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 10% higher than Clearwater's $326,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Palm Harbor
The median home value in Palm Harbor is $359,600 — 18% above the national median of $305,000. Median rent runs $1,733/month, 32% higher than the national median of $1,314/month. The median household income of $75,354/year is 1% higher than the US median of $74,580. The local unemployment rate is 2.7%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Palm Harbor has a cost of living index of 123 versus the US average of 100, meaning it is 23% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Palm Harbor, FL?
Palm Harbor has a cost index of 123 (100 = national average). It is 23% above the national average.
What is average rent in Palm Harbor, FL?
The median gross rent in Palm Harbor is $1,733 per month based on 2023 Census data.
What is the average home price in Palm Harbor?
The median home value in Palm Harbor is $359,600 according to Zillow and Census data.
What is the median income in Palm Harbor?
The median household income in Palm Harbor is $75,354 per year (2023 ACS 5-year estimates).
What is the sales tax in Palm Harbor, FL?
The combined state and local sales tax rate in Palm Harbor is 7.0%. Florida has no state income tax.
Is Palm Harbor, FL affordable?
Palm Harbor is above average in cost of living, with an index of 123 — about 23% higher than the national average.
Palm Harbor at a Glance
- Population
- 61,454
- Median Income
- $75,354
- Home Value
- $359,600
- Median Rent
- $1,733/mo
- Unemployment
- 2.7%
- Sales Tax
- 7.0%
Nearby Cities
Explore county-level cost of living data
Florida Rankings
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