Moving to Palm Harbor, Florida: The 2026 Data Guide
As of 2026-10-02, the median home sold in Palm Harbor, Florida over the last 12 months went for $370,000 (1,031 closings across 274 communities in Momentum’s MLS record), about $257 per square foot for a median 1,575-sq-ft home built around 1985. Homes currently listed have been on the market a median of 39 days, and with 360 active listings against that sales pace the city is carrying roughly 4.2 months of supply. Sellers have been getting about 95% of their original asking price. That median is 8% below the median across Momentum’s Florida and Georgia coverage.
Palm Harbor right now — October 2026
Live pages for your move: 549 homes for sale in Palm Harbor · Luxury homes · New construction · Condos (157) · Townhomes (54) · Homes by ZIP (3 ZIPs) · New listings this week · Price reductions · What your budget buys in Pinellas County · Cost of living · Best neighborhoods · Property tax · Flood zones by neighborhood · Pinellas County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated October 2, 2026.
What your budget buys in Palm Harbor
Three price points from 983 recent Palm Harbor closings in our record, each showing what actually closed within 10% of that price:
- Around $255,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,258 sq ft, built around 1985 (95 sales).
- Around $370,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,523 sq ft, built around 1987 (131 sales).
- Around $585,000: the typical sale in this band was a 3-bed, 2-bath home of about 2,004 sq ft, built around 1987 (117 sales).
The real monthly cost of owning in Palm Harbor
Take the median $370,000 home with 20% down at today’s 7.28% 30-year rate: principal and interest run about $2,025/month. Pinellas County’s typical total millage is 19.39 mills, so after the $50,000 homestead exemption the property tax is roughly $6,204/year ($517/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Pinellas County is about $1,911/year; private-market quotes vary with roof age and wind mitigation. 71% of current Palm Harbor listings carry an HOA, with a median of $242/month where one applies. All in, budget on the order of $2,943/month to own the median Palm Harbor home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Pinellas County property tax guide and our home insurance by county map.
Where people are buying: Palm Harbor’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Harbor Landing | 33 | $355,990 | 82 |
| Baywood Village | 25 | $550,000 | 84 |
| Town of Sutherland (Old Palm Harbor) | 19 | $520,000 | 18 |
| Lake Tarpon Mobile Home Village | 17 | $188,500 | 111 |
| Wexford Leas | 17 | $525,000 | 24 |
| The Anchorage of Tarpon Lake | 15 | $365,000 | 44 |
| Salem Square | 15 | $381,500 | 91 |
| Gleneagles I Condo | 15 | $200,000 | 53 |
Palm Harbor by ZIP code
Sales and medians by ZIP over the same 12 months: 34683 (430 sales, median $482,500), 34684 (354 sales, median $299,500), 34685 (168 sales, median $422,450).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 57% were single-family homes, 22% townhomes or villas, and 19% condos. New construction accounted for 5% of closings, led by Harbor Landing, Montrose at Innisbrook. The housing stock skews mixed: 5% of homes sold were built in 2015 or later and 17% before 1980.
Getting around from Palm Harbor
Measured from the center of Palm Harbor’s recent sales: Tampa International Airport (TPA) is about 14 miles; Downtown Tampa is about 19 miles; Lakeland is about 48 miles; Sarasota is about 53 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Pinellas County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Pinellas County’s typical millage of 19.39; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Pinellas County average of $1,911/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Palm Harbor: the case for and against
What works in Palm Harbor’s favor
- homes move quickly (median 39 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,911/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- 71% of listings carry an HOA (median $242/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Palm Harbor relocation toolkit
- Homes for sale in Palm Harbor right now
- Cost of living in Palm Harbor
- Best neighborhoods in Palm Harbor
- New construction in Palm Harbor
- Find an agent in Palm Harbor
- Palm Harbor ZIP codes with prices
- Search every Palm Harbor community
Common questions about moving to Palm Harbor
How much does a house cost in Palm Harbor, FL?
What does it cost per month to own a home in Palm Harbor?
What are property taxes like in Palm Harbor?
Is Palm Harbor a buyer's or seller's market right now?
Is there a lot of new construction in Palm Harbor?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Palm Harbor communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Pinellas County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.