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Safety Harbor Real Estate Market Facts

  • $216,500Median home price
    30% higher than Florida
  • $1,120Median rent asked
    9% higher than Florida
  • 80.4%Home owners
    24% higher than Florida
  • 2.4People per home
    8% lower than Florida
A general overview of the Safety Harbor, FL real estate market is displayed above. The median home price for homes in Safety Harbor, FL is $216,500, which is 30% higher than the Florida average. This means that real estate in the Safety Harbor, FL area is generally less affordable than the rest of Florida. The median rent price in Safety Harbor, FL is $1,120 which is 9% higher than the Florida average. In Safety Harbor, FL, 80.4% of people are home owners and an average of 2.4 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in Safety Harbor, FL. We make it easy to find Safety Harbor, FL real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

Safety Harbor Home Affordability

  • $216,500Median home price
    30% higher than Florida
  • $61,603Median home income
    26% higher than Florida
  • 3.5xHome price to income ratio
    3% higher than Florida
Home affordability can be a very important factor when determining where to purchase real estate in Safety Harbor, FL. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in Safety Harbor, FL is $216,500 and the median household income is $61,603. This results in a home price to income ratio of 3.5x, which is 3% higher than the Florida average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in Safety Harbor, FL are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in Safety Harbor, FL.

Safety 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
When searching for real estate in Safety Harbor, FL, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in Safety Harbor, FL you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in Safety Harbor, FL before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

Safety Harbor Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
What will my monthly costs be if I purchase Safety Harbor, FL real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

Safety Harbor Demographics

  • 17,268Population
  • 3,532People / sq mile
  • 49.1Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Beacon Square, FL6,971$62,60066%
Elfers, FL13,375$63,80065%
Holiday, FL20,451$65,20065%
Lealman, FL20,704$70,50062%
West Lealman, FL16,235$77,80058%
Safety Harbor, FL17,268$216,50017%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
San Carlos Park, FL17,278$127,00031%
Fish Hawk, FL17,241$303,40064%
Cimarron Hills, CO17,240$163,00012%
Ada, OK17,240$101,10045%
Buckhall, VA17,218$406,800120%
Safety Harbor, FL17,268$216,50017%
Source: The Safety Harbor, FL housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).