Harbor Bluffs vs Palm Hill
Two Pinellas communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-09-18.
| Metric | Harbor Bluffs | Palm Hill |
|---|---|---|
| Median sale price | $835K | $104K |
| Price per sq ft | $433 | $109 |
| Avg days on market | 78 days | 202 days |
| Months of supply | 2.8 mo | 2.8 mo |
| Market | Seller's Market | Balanced Market |
| 1-year price change | False | False |
| Recent closings | 38 | 76 |
The verdict
Harbor Bluffs carries the higher median price — about 703% above Palm Hill. Homes in Harbor Bluffs sell faster (78 days on market vs 202).
What is for sale today
| Harbor Bluffs | Palm Hill | |
|---|---|---|
| Homes for sale now | 9 | 18 |
| Under contract | 6 | 2 |
| Asking prices today | $540K to $2.45M | $75K to $218K |
| Property types listed | Single Family Residence | Manufactured Home, Mobile Home |
Live MLS counts, refreshed with every listing pull. Browse them: Harbor Bluffs homes for sale · Palm Hill homes for sale.
The homes themselves
| Harbor Bluffs | Palm Hill | |
|---|---|---|
| Homes (parcels) | 408 | 664 |
| Built | 1953–2024 (median 1963) | 1968–2022 (median 1975.0) |
| Typical living area | 2,722 sq ft | 1,289 sq ft |
| Homesteaded (owner-occupied) share | 80% | 53% |
| Vacant lots | 5 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Harbor Bluffs median | Palm Hill median |
|---|---|---|
| 2014 | $380K (13 sales) | $58K (3 sales) |
| 2015 | $479K (33 sales) | $49K (25 sales) |
| 2016 | $384K (35 sales) | $58K (42 sales) |
| 2017 | $375K (37 sales) | $60K (34 sales) |
| 2019 | $928K (10 sales) | $59K (8 sales) |
| 2022 | $840K (17 sales) | $105K (36 sales) |
| 2023 | $789K (11 sales) | $162K (13 sales) |
| 2024 | $918K (24 sales) | $126K (69 sales) |
| 2025 | $839K (27 sales) | $115K (40 sales) |
| 2026 | $845K (28 sales) | $95K (71 sales) |
Since 2014, Harbor Bluffs's median sale price is +122% and Palm Hill's is +65% — Harbor Bluffs has appreciated faster over that stretch.
How each one trades
| Harbor Bluffs | Palm Hill | |
|---|---|---|
| Sale-to-original-list | 95.4% | 82.7% |
| New-construction share of sales | 0% | 0% |
| Typical sold home | 2,118 sq ft | 1,000 sq ft |
| Momentum market-heat score | 68 (hot) | 13 (cold) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Harbor Bluffs | Palm Hill | |
|---|---|---|
| Elementary | Mildred Helms Elementary-Pn | not reported |
| Middle | Largo Middle-Pn | not reported |
| High school | Largo High-Pn | not reported |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Palm Hill is the lower entry point (median $104K vs $835K). Buyers who want newer construction (fewer near-term roof, HVAC and re-plumb items, and easier insurance quotes in Florida) will find it in Palm Hill; Harbor Bluffs trades that for a more established street and, typically, larger lots. Sellers get a faster sale in Harbor Bluffs (78 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Harbor Bluffs more expensive than Palm Hill?
Yes, on recent sales: the median sale price in Harbor Bluffs is $835,000 versus $104,000 in Palm Hill, about 703% higher.
Which has newer homes, Harbor Bluffs or Palm Hill?
Palm Hill: its homes were built 1968–2022 with a median year of 1975.0, versus a median of 1963 in Harbor Bluffs (Florida DOR assessment roll).
Which has bigger homes?
Harbor Bluffs. The typical home there is 2,722 sq ft of living area, versus 1,289 sq ft in Palm Hill.
Which has appreciated more, Harbor Bluffs or Palm Hill?
From 2014 to 2026 the median sale price rose 122% in Harbor Bluffs and 65% in Palm Hill (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Harbor Bluffs — sellers there received 95.4% of the original list price over the last 12 months versus 82.7% in Palm Hill.
Go deeper on each: Harbor Bluffs homes, photos & schools · Palm Hill homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.