Palm Harbor
Housing Market
Median sale price $366,500, down 3.2% year over year, with homes going under contract in about 47 days, 246 homes on the market.
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Housing Market Analyst
Inventory sits at 4.0 months of supply — balanced by the 3-to-6-month balanced benchmark, and 37% of listed homes are already under contract. Prices are down 3.2% versus the prior year, but sellers are still collecting 94.2% 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 sellers.
- 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 37% 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 (177 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 $366,500, down 3.2% from a year ago. Buyers are paying a median of $256 per square foot. The typical home goes under contract in about 47 days. Sellers are capturing 94.2% of their original asking price on average.
There are 246 active listings on the market, with 69 more already under contract. At the current sales pace that works out to 4.0 months of supply — roughly balanced conditions by the standard six-month benchmark. 848 homes closed here over the trailing 12 months.
Palm Harbor prices sit below the Pinellas County median by roughly 7%. Zillow's home value index for Pinellas County stands at $374,245. 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 59 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 16, 2026.
Palm Harbor since 2012 — and where it’s heading
A median home here sold for $193,182 in 2012 and $440,973 over the last recorded year — 128% appreciation across 14 years of recorded sales. Cash buyers took 35% of recent sales, down from a 39% peak.
Median sale price · 2012–2026 (11,882 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)
Median price · daily recalculation
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 | $366K | 246 | 59 | |
| St. Petersburg | $435K | 1,078 | 52 | Open → |
| Clearwater | $315K | 393 | 49 | Open → |
| Largo | $340K | 221 | 53 | Open → |
| Clearwater Beach | $728K | 166 | 37 | Open → |
| Seminole | $396K | 157 | 55 | Open → |
Neighborhoods on the move
| Ozona Shores 1St AddPalm Harbor | $962K | ▲ 53% |
| countryside northPalm Harbor | $546K | ▲ 26% |
| Hidden Grove SubPalm Harbor | $450K | ▲ 21% |
| VILLAGE OF WOODLAND HILLSPalm Harbor | $585K | ▲ 21% |
| Village Of Woodland Hills Unit 1APalm Harbor | $575K | ▲ 20% |
| Highland Lakes CondoPalm Harbor | $150K | ▼ 24% |
| Bentley At Cobbs Landing Condo ThePalm Harbor | $166K | ▼ 23% |
| Myrtle Point Ph 1Palm Harbor | $982K | ▼ 21% |
| HIDDEN LAKEPalm Harbor | $282K | ▼ 20% |
| BAYWOOD VILLAGEPalm Harbor | $520K | ▼ 19% |
| Lake Tarpon Mobile Home VillagePalm Harbor | $188K | 21 |
| baywood village sec 5Palm Harbor | $550K | 10 |
| Harbor LandingPalm Harbor | $356K | 10 |
| Harbor Club CondoPalm Harbor | $143K | 9 |
| highland lakes unit sixPalm Harbor | $402K | 9 |
| Patty Ann AcresPalm Harbor | $492K | 4 days |
| waterford crossing ph iiPalm Harbor | $728K | 4 days |
| PIPERS MEADOWPalm Harbor | $745K | 5 days |
| VILLAGE OF WOODLAND HILLSPalm Harbor | $585K | 10 days |
| Village Of Woodland Hills Unit 1APalm Harbor | $575K | 11 days |
Palm Harbor ZIP codes
Most active communities
More on Palm Harbor
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 59/100 with 4.0 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 $366,500, down 3.2% versus the prior year, while sellers still capture 94.2% 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 (-23%); Myrtle Point Ph 1 (-21%). 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 Patty Ann Acres (4 days); waterford crossing ph ii (4 days); PIPERS MEADOW (5 days) — homes there go under contract well ahead of the market-wide pace of 47 days.
How does Palm Harbor compare to the rest of Pinellas County?
Palm Harbor's median of $366,500 runs 7% below the county-wide median of $393,000, and homes here take 47 days to go under contract versus 51 county-wide.
Palm Harbor housing market FAQ
How is the housing market in Palm Harbor right now?
As of September 16, 2026, the Palm Harbor housing market favors sellers: the median sale price is $366,500 (down 3.2% year over year), 246 homes are for sale against 848 sales in the last 12 months, which is 4.0 months of supply, and the typical home goes under contract in about 47 days.
How much is a house in Palm Harbor?
The median home sold for $366,500 in Palm Harbor over the last 12 months, about $256 per square foot; asking prices on the 246 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in Palm Harbor?
By the numbers, sellers in Palm Harbor are getting 94.2% of asking price and going under contract in about 47 days with 4.0 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the Palm Harbor housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Palm Harbor median sale prices are down 3.2% year over year, inventory stands at 4.0 months of supply, and 37% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in Palm Harbor?
The median sale price in Palm Harbor is currently $366,500, down 3.2% from a year ago, based on MLS sales data updated September 16, 2026.
Is Palm Harbor a buyer's or seller's market right now?
The data currently favors sellers. Palm Harbor scores 59 of 100 on the Momentum Score, with 4.0 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 47 days, per current MLS data.
How many homes are for sale in Palm Harbor?
There are approximately 246 active listings in Palm Harbor as of September 16, 2026.
Are home prices in Palm Harbor rising or falling?
Median sale prices are down 3.2% 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: September 16, 2026 at 7:48 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.