34684 (Palm Harbor)
Housing Market
Median sale price $345,000, down 3.8% year over year, with homes going under contract in about 57 days, 47 homes on the market.
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Housing Market Analyst
Inventory sits at 4.9 months of supply — balanced by the 3-to-6-month balanced benchmark, and 32% of listed homes are already under contract. Prices are down 3.8% versus the prior year, but sellers are still collecting 93.6% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Prices — balanced supply argues for a sideways market; condition and pricing decide individual outcomes.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 32% of inventory sits under contract.
- Mortgage sensitivity — at 5.3× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 34684 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where 34684 is hot — and where it isn't
Each dot is a community (53 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 34684 (Palm Harbor)
The median sale price across 34684 currently stands at $345,000, down 3.8% from a year ago. Buyers are paying a median of $257 per square foot. The typical home goes under contract in about 57 days. Sellers are capturing 93.6% of their original asking price on average.
There are 47 active listings on the market, with 12 more already under contract. At the current sales pace that works out to 4.9 months of supply — roughly balanced conditions by the standard six-month benchmark. 161 homes closed here over the trailing 12 months.
Zillow's home value index for Pinellas County stands at $371,631. About 30% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 34684 is 50 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
34684 since 2012 — and where it’s heading
A median home here sold for $192,850 in 2012 and $330,669 over the last recorded year — 71% appreciation across 14 years of recorded sales. Cash buyers took 46% of recent sales, down from a 50% peak.
Median sale price · 2012–2026 (4,059 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Pinellas County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Pinellas County (MLS)
What’s driving 34684
Top inbound states: NY, CA, NJ, PA. Movers arriving report ~$95,596 average income. Source: IRS SOI county-to-county migration, 2022-2023
20,791 Citizens policies in force in Pinellas County — the state-backed insurer of last resort. Budget insurance into any Pinellas purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
1,376 single-family · 2,822 multi-family · 4.4 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 34684 right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Pinellas
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 34684 ← this page | $345K | 47 | 50 | |
| 33703 | $415K | 97 | 52 | Open → |
| 33707 | $338K | 94 | 47 | Open → |
| 33702 | $319K | 89 | 42 | Open → |
| 33767 | $737K | 61 | 31 | Open → |
| 33770 | $353K | 58 | 48 | Open → |
Neighborhoods on the move
| VILLAGE OF WOODLAND HILLSPalm Harbor | $585K | ▲ 21% |
| LAKE VALENCIA -Palm Harbor | $585K | ▲ 7% |
| MEADOWLAKE PALM HARBOR CONDOPalm Harbor | $170K | ▲ 5% |
| TAMPA & TARPON SPGS LAND COTarpon Springs | $378K | ▲ 4% |
| COUNTRYSIDE NORTH TR 3B PH 2Palm Harbor | $445K | ▲ -3% |
| HIGHLAND LAKES CONDOPalm Harbor | $152K | ▼ 24% |
| BENTLEY AT COBBS LANDING CONDO THEPalm Harbor | $165K | ▼ 24% |
| STEEPLECHASE PHPalm Harbor | $329K | ▼ 18% |
| BLUE JAY MOBILE HOME ESTATES CONDOPalm Harbor | $154K | ▼ 16% |
| PINE RIDGE AT PALM HARBORPalm Harbor | $166K | ▼ 16% |
| PINE RIDGE AT PALM HARBORPalm Harbor | $166K | 9 |
| LAKE ST GEORGE-SOUTHPalm Harbor | $252K | 8 |
| MEADOWLAKE PALM HARBOR CONDOPalm Harbor | $170K | 7 |
| HIDDEN GROVE SUBPalm Harbor | $450K | 6 |
| STRATHMORE GATE-EASTPalm Harbor | $242K | 5 |
| VILLAGE OF WOODLAND HILLSPalm Harbor | $585K | 10 days |
| LAKE VALENCIA -Palm Harbor | $585K | 14 days |
| COUNTRYSIDE NORTH TR 3B PH 2Palm Harbor | $445K | 23 days |
| LANDMARK OAKS CONDOPalm Harbor | $286K | 24 days |
| STEEPLECHASE PHPalm Harbor | $329K | 46 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 34684 right now?
The data says conditions currently favor neither side decisively in 34684 — the Momentum Score reads 50/100 with 4.9 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 34684 becoming more affordable?
Yes, modestly — the median sale price in 34684 is $345,000, down 3.8% versus the prior year, while sellers still capture 93.6% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 34684?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are HIGHLAND LAKES CONDO (-24%); BENTLEY AT COBBS LANDING CONDO THE (-24%); STEEPLECHASE PH (-18%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 34684 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are VILLAGE OF WOODLAND HILLS (10 days); LAKE VALENCIA - (14 days); COUNTRYSIDE NORTH TR 3B PH 2 (23 days) — homes there go under contract well ahead of the market-wide pace of 57 days.
34684 (Palm Harbor) housing market FAQ
What is the median home price in 34684?
The median sale price in 34684 is currently $345,000, down 3.8% from a year ago, based on MLS sales data updated August 6, 2026.
Is 34684 a buyer's or seller's market right now?
The data currently is roughly balanced. 34684 scores 50 of 100 on the Momentum Score, with 4.9 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 34684?
The typical home in 34684 goes under contract in about 57 days, per current MLS data.
How many homes are for sale in 34684?
There are approximately 47 active listings in 34684 as of August 6, 2026.
Are home prices in 34684 rising or falling?
Median sale prices are down 3.8% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 34684 (Palm Harbor). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.