34685 ZIP Code
Palm Harbor, Florida
December 15, 2025
| ZIP Code: | 34685 |
| City/Town: | Palm Harbor |
| County: | Pinellas |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 17,869 |
| Median Household Income: | $88,867 |
| Per Capita Income: | $51,759 |
| Total Housing Units: | 7,996 |
| Median Home Value: | $444,800 |
| Land Area: | 10.1 sq miles
26.1 sq km |
| Water Area: | 1.1 sq miles
2.8 sq km |
| Coordinates: | 28.0933, -82.6894 |
Population Information (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 17,869 | -- | -- |
| Male: | 8,239 | 46.1% | 49.6% |
| Female: | 9,630 | 53.9% | 50.4% |
| Median Age: | 49.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 518 | 2.9% | 5.7% |
| 5 to 9 years: | 936 | 5.2% | 6.0% |
| 10 to 14 years: | 1,140 | 6.4% | 6.5% |
| 15 to 19 years: | 960 | 5.4% | 6.6% |
| 20 to 24 years: | 690 | 3.9% | 6.7% |
| 25 to 34 years: | 1,334 | 7.5% | 13.7% |
| 35 to 44 years: | 2,123 | 11.9% | 12.9% |
| 45 to 54 years: | 2,680 | 15.0% | 12.4% |
| 55 to 59 years: | 1,148 | 6.4% | 6.5% |
| 60 to 64 years: | 1,599 | 8.9% | 6.4% |
| 65 to 74 years: | 2,316 | 13.0% | 9.7% |
| 75 to 84 years: | 2,006 | 11.2% | 4.8% |
| 85 years and over: | 419 | 2.3% | 2.0% |
Housing Information (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $444,800 | -- | $281,900 |
| Median rooms: | 6.0 | -- | 5.5 |
| Median rent: | $1,665 / mo. | -- | $1,268 / mo. |
| Total housing units: | 7,996 | -- | -- |
| Occupied housing units: | 7,499 | 93.8% | 38.0% |
| Vacant housing units: | 497 | 6.2% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 5,634 | 75.1% | 64.8% |
| Renter-occupied: | 1,865 | 24.9% | 35.2% |
Educational Attainment (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 13,625 | -- | -- |
| Less than 9th grade: | 129 | 0.9% | 4.7% |
| 9th to 12th grade, no diploma: | 467 | 3.4% | 6.1% |
| High school graduate: | 2,322 | 17.0% | 26.4% |
| Some college, no degree: | 2,404 | 17.6% | 19.7% |
| Associate degree: | 1,777 | 13.0% | 8.7% |
| Bachelor's degree: | 4,084 | 30.0% | 20.9% |
| Graduate or professional degree: | 2,442 | 17.9% | 13.7% |
| Percent high school graduate or higher: | -- | 95.6% | 89.1% |
| Percent bachelor's degree or higher: | -- | 47.9% | 34.3% |
Income Information (34685 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $88,867 / yr. | $75,149 / yr. |
| Mean household income: | $129,915 / yr. | $105,833 / yr. |
| Median family income: | $113,410 / yr. | $92,646 / yr. |
| Per capita income: | $51,759 / yr. | $41,261 / yr. |
Employment (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 8,415 | -- | 63.5% |
| Employed: | 8,161 | 97.0% | 96.4% |
| Unemployed: | 254 | 3.0% | 5.3% |
| Not in labor force: | 6,678 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 6,960 | 85.3% | 79.7% |
| Government workers: | 900 | 11.0% | 14.2% |
| Self-employed: | 288 | 3.5% | 5.9% |
| Unpaid family workers: | 13 | 0.2% | 0.1% |
Race & Ethnicity (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 14,611 | 81.8% | 61.6% |
| Black or African American: | 851 | 4.8% | 12.4% |
| American Indian/Alaska Native: | 52 | 0.3% | 1.1% |
| Asian: | 547 | 3.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 6 | 0.0% | 0.2% |
| Some other race: | 552 | 3.1% | 8.4% |
| Two or more races: | 1,250 | 7.0% | 10.2% |
| Hispanic or Latino (any race): | 1,301 | 7.3% | 18.7% |
| Mexican: | 1,645 | 9.2% | 11.2% |
| Puerto Rican: | 586 | 3.3% | 1.8% |
| Cuban: | 559 | 3.1% | 0.7% |
| Other Hispanic or Latino: | 124 | 0.7% | 5.0% |
| Not Hispanic or Latino: | 376 | 2.1% | 81.1% |
Income Distribution (34685 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 272 | 3.6% | 4.9% |
| $10,000 to $14,999: | 52 | 0.7% | 3.8% |
| $15,000 to $24,999: | 479 | 6.4% | 7.0% |
| $25,000 to $34,999: | 336 | 4.5% | 7.4% |
| $35,000 to $49,999: | 841 | 11.2% | 10.7% |
| $50,000 to $74,999: | 1,242 | 16.6% | 16.1% |
| $75,000 to $99,999: | 836 | 11.1% | 12.8% |
| $100,000 to $149,999: | 1,353 | 18.0% | 17.1% |
| $150,000 to $199,999: | 892 | 11.9% | 8.8% |
| $200,000 or more: | 1,196 | 15.9% | 11.4% |
Commute to Work (34685 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,911 | 72.4% | 67.8% |
| Carpooled: | 419 | 5.1% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 0 | 0.0% | 2.5% |
| Other means: | 192 | 2.4% | 0.9% |
| Worked from home: | 1,555 | 19.1% | 13.8% |
| Mean travel time to work: | 28.3 min | -- | 26.7 min |
Industry (34685 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 19 | 0.2% | 1.6% |
| Construction: | 407 | 5.0% | 6.9% |
| Manufacturing: | 566 | 6.9% | 10.0% |
| Wholesale trade: | 120 | 1.5% | 2.4% |
| Retail trade: | 1,002 | 12.3% | 11.0% |
| Transportation, warehousing, utilities: | 181 | 2.2% | 5.8% |
| Information: | 103 | 1.3% | 1.9% |
| Finance, insurance, real estate: | 1,224 | 15.0% | 6.7% |
| Professional, scientific, management: | 1,451 | 17.8% | 12.1% |
| Education, health care, social services: | 2,054 | 25.2% | 23.3% |
| Arts, entertainment, food services: | 555 | 6.8% | 9.0% |
| Other services: | 169 | 2.1% | 4.7% |
| Public administration: | 310 | 3.8% | 4.7% |
Poverty Status (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 5.7% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 16,824 | 94.2% | 91.3% |
| Private health insurance: | 13,534 | 75.7% | 67.6% |
| Public health coverage: | 5,717 | 32.0% | 35.9% |
| Without health insurance: | 1,045 | 5.8% | 8.7% |
Benefits & Assistance (34685 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 5,248 | 70.0% | 77.4% |
| Social Security income: | 3,059 | 40.8% | 31.0% |
| Retirement income: | 2,502 | 33.4% | 21.8% |
| Supplemental Security Income (SSI): | 144 | 1.9% | 4.5% |
| Cash public assistance income: | 46 | 0.6% | 1.8% |
| SNAP (food stamps) benefits: | 470 | 6.3% | 11.4% |
Housing Types (34685 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 4,383 | 54.8% | 61.4% |
| 1-unit, attached: | 1,076 | 13.5% | 6.1% |
| 2 units: | 151 | 1.9% | 3.4% |
| 3 or 4 units: | 233 | 2.9% | 4.3% |
| 5 to 9 units: | 572 | 7.2% | 4.6% |
| 10 to 19 units: | 588 | 7.4% | 4.3% |
| 20 or more units: | 993 | 12.4% | 9.9% |
| Mobile home: | 0 | 0.0% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (34685 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 99 | 1.2% | 8.2% |
| Built 2000 to 2009: | 963 | 12.0% | 13.5% |
| Built 1990 to 1999: | 3,579 | 44.8% | 13.2% |
| Built 1980 to 1989: | 2,614 | 32.7% | 13.2% |
| Built 1970 to 1979: | 618 | 7.7% | 14.6% |
| Built 1960 to 1969: | 39 | 0.5% | 10.2% |
| Built 1950 to 1959: | 24 | 0.3% | 9.9% |
| Built 1940 to 1949: | 60 | 0.8% | 4.6% |
| Built 1939 or earlier: | 0 | 0.0% | 12.0% |
Bedrooms (34685 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 116 | 1.5% | 2.4% |
| 1 bedroom: | 590 | 7.4% | 3.0% |
| 2 bedrooms: | 2,432 | 30.4% | 9.1% |
| 3 bedrooms: | 2,251 | 28.2% | 15.9% |
| 4 bedrooms: | 2,056 | 25.7% | 18.8% |
| 5 or more bedrooms: | 551 | 6.9% | 17.6% |
Heating Fuel (34685 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 220 | 2.9% | 47.1% |
| Bottled, tank, or LP gas: | 27 | 0.4% | 4.9% |
| Electricity: | 7,133 | 95.1% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 0 | 0.0% | 1.5% |
| Solar energy: | 55 | 0.7% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 64 | 0.9% | 0.2% |
Vehicles Available (34685 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 313 | 4.2% | 8.3% |
| 1 vehicle available: | 2,771 | 37.0% | 32.6% |
| 2 vehicles available: | 3,024 | 40.3% | 37.0% |
| 3 or more vehicles available: | 1,391 | 18.5% | 22.1% |
Home Value Distribution (34685 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 105 | 1.9% | 5.7% |
| $50,000 to $99,999: | 16 | 0.3% | 7.8% |
| $100,000 to $149,999: | 182 | 3.2% | 9.2% |
| $150,000 to $199,999: | 243 | 4.3% | 10.8% |
| $200,000 to $299,999: | 776 | 13.8% | 19.9% |
| $300,000 to $499,999: | 2,077 | 36.9% | 24.1% |
| $500,000 to $999,999: | 1,997 | 35.4% | 17.0% |
| $1,000,000 or more: | 238 | 4.2% | 5.6% |
Housing Costs (34685 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $2,432 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $864 / mo. | $584 / mo. |
| Median gross rent: | $1,665 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.42 | 2.53 |
| Average household size (renter-occupied): | 2.27 | 2.38 |
Households (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 7,499 | -- | -- |
| Married-couple households: | 4,433 | 59.1% | 47.5% |
| Cohabiting couple households: | 1,300 | 17.3% | 7.0% |
| Male householder, no spouse: | 701 | 9.3% | 5.4% |
| Female householder, no spouse: | 2,075 | 27.7% | 12.7% |
| Householder living alone: | 1,920 | 25.6% | 28.6% |
| 65 years and over living alone: | 3,195 | 42.6% | 11.8% |
| Average household size: | 2.38 | -- | 2.53 |
| Average family size: | 2.84 | -- | -- |
Marital Status (34685 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 6,790 | -- | -- |
| Never married: | 1,507 | 22.2% | 37.0% |
| Now married: | 4,627 | 68.1% | 49.5% |
| Separated: | 136 | 2.0% | 1.5% |
| Widowed: | 510 | 7.5% | 2.6% |
| Divorced: | 1,868 | 27.5% | 9.3% |
School Enrollment (34685 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 4,054 | -- | -- |
| Nursery school, preschool: | 309 | 7.6% | 5.8% |
| Kindergarten: | 71 | 1.8% | 5.0% |
| Elementary school (grades 1-8): | 1,630 | 40.2% | 40.5% |
| High school (grades 9-12): | 1,049 | 25.9% | 21.4% |
| College or graduate school: | 995 | 24.5% | 27.3% |
Veterans & Disability (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 14,594 | -- | -- |
| Veterans: | 1,204 | 8.2% | 6.3% |
| Civilian noninstitutionalized population: | 17,869 | -- | -- |
| With a disability: | 2,137 | 12.0% | 13.4% |
| Under 18 with disability: | 40 | 1.9% | 5.8% |
| 18 to 64 with disability: | 502 | 23.5% | 10.4% |
| 65 and over with disability: | 1,595 | 74.6% | 33.4% |
Mobility (Residence 1 Year Ago) (34685 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 15,524 | 86.9% | 86.9% |
| Different house: | 2,256 | 12.6% | 13.1% |
| Same county: | 1,177 | 52.2% | 7.0% |
| Different county: | 966 | 42.8% | 3.2% |
| Different state: | 487 | 21.6% | 2.5% |
| Abroad: | 113 | 5.0% | 0.4% |
Place of Birth (34685 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 15,749 | 88.1% | 86.2% |
| Foreign born: | 326 | 1.8% | 13.9% |
| Naturalized citizen: | 2,120 | 650.3% | 52.7% |
| Not a citizen: | 2,120 | 650.3% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 2,120 | 650.3% | 10.5% |
| Asia: | 567 | 173.9% | 31.3% |
| Africa: | 258 | 79.1% | 5.5% |
| Oceania: | 6 | 1.8% | 0.5% |
| Latin America: | 538 | 165.0% | 50.0% |
| Northern America: | 244 | 74.8% | 2.2% |
Language Spoken at Home (34685 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 17,351 | -- | -- |
| English only: | 14,790 | 85.2% | 78.3% |
| Language other than English: | 2,561 | 14.8% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 781 | 4.5% | 13.3% |
| Other Indo-European languages: | 1,244 | 7.2% | 3.5% |
| Asian/Pacific Island languages: | 311 | 1.8% | 3.5% |
| Other languages: | 225 | 1.3% | 1.0% |
Computers & Internet (34685 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 7,499 | 100.0% | 93.1% |
| Households with broadband internet: | 7,242 | 96.6% | 89.4% |
Palm Harbor, FL34685