Palm Harbor
Housing Market
Median sale price $357,500, down 3.6% year over year, with homes going under contract in about 53 days, 99 homes on the market.
Momentum
Your exact situation run against today's numbers: true comps, negotiation targets, and the off-market homes portals never show.
Selling instead? See what your home is worth today →
Housing Market Analyst
Inventory sits at 3.9 months of supply — balanced by the 3-to-6-month balanced benchmark, and 34% of listed homes are already under contract. Prices are down 3.6% versus the prior year, but sellers are still collecting 94.1% 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 — more likely to stabilize than fall sharply. Supply remains below balanced levels even as prices soften; without a meaningful inventory build, further declines tend to be shallow.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 34% 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 Palm Harbor 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 Palm Harbor is hot — and where it isn't
Each dot is a community (166 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Palm Harbor
The median sale price across Palm Harbor currently stands at $357,500, down 3.6% from a year ago. Buyers are paying a median of $255 per square foot. The typical home goes under contract in about 53 days. Sellers are capturing 94.1% of their original asking price on average.
There are 99 active listings on the market, with 34 more already under contract. At the current sales pace that works out to 3.9 months of supply — a seller-leaning market by the standard six-month benchmark. 378 homes closed here over the trailing 12 months.
Palm Harbor prices sit below the Pinellas County median by roughly 8%. 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 Palm Harbor is 57 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.
Palm Harbor since 2012 — and where it’s heading
A median home here sold for $207,842 in 2012 and $430,322 over the last recorded year — 107% appreciation across 14 years of recorded sales. Cash buyers took 41% of recent sales, down from a 44% peak.
Median sale price · 2012–2026 (11,578 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 Palm Harbor
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 Palm Harbor 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.
How it stacks up across Pinellas County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Palm Harbor ← this page | $358K | 99 | 57 | |
| St. Petersburg | $454K | 403 | 53 | Open → |
| Largo | $355K | 119 | 52 | Open → |
| Clearwater | $305K | 98 | 48 | Open → |
| Gulfport | $388K | 71 | 49 | Open → |
| Pinellas Park | $310K | 61 | 51 | Open → |
Neighborhoods on the move
| Boot Ranch - Eagle Watch Ph APalm Harbor | $640K | ▲ 32% |
| Village Of Woodland Hills Unit 1APalm Harbor | $585K | ▲ 21% |
| VILLAGE OF WOODLAND HILLSPalm Harbor | $585K | ▲ 21% |
| SUTHERLAND TOWN OFPalm Harbor | $488K | ▲ 16% |
| Highland Lakes Unit 14 Ph 2Palm Harbor | $430K | ▲ 12% |
| HIGHLAND LAKES CONDOPalm Harbor | $152K | ▼ 24% |
| BENTLEY AT COBBS LANDING CONDO THEPalm Harbor | $165K | ▼ 24% |
| GLENEAGLES I CONDOPalm Harbor | $195K | ▼ 22% |
| MYRTLE POINT PH 1Palm Harbor | $982K | ▼ 21% |
| HIDDEN LAKEPalm Harbor | $282K | ▼ 20% |
| PINE RIDGE AT PALM HARBORPalm Harbor | $166K | 9 |
| LAKE ST GEORGE-SOUTHPalm Harbor | $252K | 8 |
| Baywood Village Sec 2 Palm HarborPalm Harbor | $520K | 7 |
| MEADOWLAKE PALM HARBOR CONDOPalm Harbor | $170K | 7 |
| SUTHERLAND TOWN OFPalm Harbor | $488K | 7 |
| FOX LAKE TWNHMSPalm Harbor | $276K | 5 days |
| PIPERS MEADOWPalm Harbor | $745K | 5 days |
| Fox Lake Twnhms Ph APalm Harbor | $288K | 7 days |
| PATTY ANN ACRESPalm Harbor | $461K | 10 days |
| Village Of Woodland Hills Unit 1APalm Harbor | $585K | 10 days |
Palm Harbor ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Palm Harbor right now?
The data says conditions currently favor neither side decisively in Palm Harbor — the Momentum Score reads 57/100 with 3.9 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 Palm Harbor becoming more affordable?
Yes, modestly — the median sale price in Palm Harbor is $357,500, down 3.6% versus the prior year, while sellers still capture 94.1% 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 Palm Harbor?
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%); GLENEAGLES I CONDO (-22%). 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 Palm Harbor neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are FOX LAKE TWNHMS (5 days); PIPERS MEADOW (5 days); Fox Lake Twnhms Ph A (7 days) — homes there go under contract well ahead of the market-wide pace of 53 days.
How does Palm Harbor compare to the rest of Pinellas County?
Palm Harbor's median of $357,500 runs 8% below the county-wide median of $387,500, and homes here take 53 days to go under contract versus 52 county-wide.
Palm Harbor housing market FAQ
What is the median home price in Palm Harbor?
The median sale price in Palm Harbor is currently $357,500, down 3.6% from a year ago, based on MLS sales data updated August 6, 2026.
Is Palm Harbor a buyer's or seller's market right now?
The data currently is roughly balanced. Palm Harbor scores 57 of 100 on the Momentum Score, with 3.9 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Palm Harbor?
The typical home in Palm Harbor goes under contract in about 53 days, per current MLS data.
How many homes are for sale in Palm Harbor?
There are approximately 99 active listings in Palm Harbor as of August 6, 2026.
Are home prices in Palm Harbor rising or falling?
Median sale prices are down 3.6% 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 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.