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Palm Harbor Real Estate Market Facts

  • $178,300Median home price
    7% higher than Florida
  • $1,136Median rent asked
    10% higher than Florida
  • 70.0%Home owners
    8% higher than Florida
  • 2.2People per home
    16% lower than Florida
Above, you'll find an overview of the real estate market in Palm Harbor, FL. Generally, real estate in the Palm Harbor, FL area is less affordable in Florida, as the median price of a home in Palm Harbor, FL is $178,300, which is 7% higher than the Florida average. The median rental price in Palm Harbor, FL is $1,136. This is 10% higher than the average rental price in Florida. Home owners comprise 70.0% of the population of Palm Harbor, FL, where an average of 2.2 people live in each home. Various real estate options from luxurious homes to affordable condos and urban townhomes are available in Palm Harbor, FL. Below, you can search for real estate listings in Palm Harbor, FL using our search functionality that allows you to personalize your search and filter out location, price, and number of bedrooms and bathrooms.

Palm Harbor Home Affordability

  • $178,300Median home price
    7% higher than Florida
  • $54,924Median home income
    12% higher than Florida
  • 3.2xHome price to income ratio
    5% lower than Florida
When searching for real estate in Palm Harbor, FL, home affordability is a critical aspect. The ratio of the house price to the median household income is one method used to figure out home affordability. In Palm Harbor, FL, the median house price is $178,300, while the median income for households in the area is $54,924. Therefore, the ratio of house price to income is 3.2x; this ratio is 5% lower than the average in Florida. The calculation for the ratio of home affordability requires dividing the median household income by the median house price. The lower the aforementioned ratio, the more affordable homes are - when comparing the house price to the household income. However, there are more factors that come into play in terms of home affordability. The calculator below determines home affordability, and it can help you decide how much money you can afford to pay for real estate in Palm Harbor, FL.

Palm Harbor Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
Finding the right home in Palm Harbor, FL means not only finding the right piece of real estate that meets your specifications, but finding a home that is priced within your individual budget requirements. Using the home affordability calculator is one of the best ways to determine your price range when seeking a Palm Harbor, FL home, by inputting your down payment, income, and debt information. An even more detailed analysis can be generated by calculating additional factors, such as mortgage rate, length of mortgage, property taxes, home insurance, and any HOA dues. After evaluating these factors, the calculator will display the price range of homes within that individual budget. Determining your price range prior to beginning your house hunt in Palm Harbor, FL will streamline the process by allowing you to seek only the homes you can comfortably afford. Using the home affordability calculator to determine your housing budget also gives you the peace of mind of knowing how much will remain in your budget for savings and other expenses.

Palm Harbor Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
So you want to buy some real estate in Palm Harbor, FL. What can you expect to pay for it on a monthly basis? This is determined in a number of different ways. One of the biggest variables when it comes to calculating the monthly price is simply the cost of the house itself. There are other significant factors though, such as interest rates, home owner's association fees, the amount of a down payment that was put on the property, PMI (private mortgage insurance), and property taxes. You can eliminate all PMI payments by making a down payment of at least 20% on the house. Using a mortgage calculator will have all these variables available, but they will be filled out with default data. These can be tweaked and filled in with the data specifically for the home you're looking at for a better overview of the monthly cost. When buying a home, you want to keep your debt to income ratio at 36%. This means that you want to pay no more than 36% of your monthly income on your house and other debt payments.

Palm Harbor Demographics

  • 60,236Population
  • 3,472People / sq mile
  • 50.4Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Moon Lake, FL4,708$49,10073%
Beacon Square, FL6,971$62,60066%
Elfers, FL13,375$63,80065%
New Port Richey, FL15,503$65,00065%
Holiday, FL20,451$65,20065%
Palm Harbor, FL60,236$178,3003%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Lake Elsinore, CA60,230$259,70041%
Meriden, CT60,203$174,8005%
Cupertino, CA60,297$1,214,300557%
Auburn, AL60,318$226,60023%
National City, CA60,349$317,30072%
Palm Harbor, FL60,236$178,3003%
Source: The Palm Harbor, FL housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).
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