ZIP Code · FL

ZIP 34683

Part of Palm Harbor, FL

Pop. 33,911·Pinellas County·408th most expensive ZIP in Florida

Median rent (all units)

$1,946/mo

Year-over-Year

-1.1%

Month-over-Month

-0.6%

vs US Median

+$14

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 34683 · $1,946

More expensive than 58% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,720

1 BR

$1,830

2 BR

$2,130

3 BR

$2,720

4 BR+

$3,310

Research median

$2,130/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

December. Asking rents in ZIP 34683 usually run 1.2% below trend in December and 1.3% above it in June, about $49 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 34683 is 1.7% below its high of $1,980 in February 2025, at $1,946 as of September 2026.

Past year vs. the rest of Florida

Rent in ZIP 34683 changed -1.1% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent has fallen 2 months in a row, and rose in 5 of the last 12 months.

What a typical income covers

30% of the median household income ($92,885) is $2,322 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,130); a 3-bedroom is $2,720.

Rank in Palm Harbor

2nd cheapest of 3 ZIP codes in Palm Harbor.

Cheaper nearby

ZIP 34690, 8 miles away, rents for 10% less ($1,746/mo), about $2,400 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 34683. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$23,352/yr

At $1,946/mo median

Location

CityPalm Harbor

StateFL

CountyPinellas County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (down 1.1% YoY), so renters have negotiating leverage.

Based on rent-price momentum (-1.1% YoY, -0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 34683 (Palm Harbor, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 44.3% of residents hold a bachelor's degree or higher.

Population

33,911

Median income

$92,885

Median age

47.7

Renters

18.6%

Age distribution

18.4%

17.2%

24.1%

18.3%

22%

Under 1818.4%

18–3417.2%

35–5424.1%

55–6418.3%

65+22%

Gender

48.8%

51.2%

Male48.8%

Female51.2%

Race & ethnicity

86.8%

White86.8%

Black1.6%

Hispanic8.7%

Asian1.4%

Other1.5%

Education (25+)

19.3%

32.4%

44.3%

No HS diploma4%

HS diploma19.3%

Some college32.4%

Bachelor's+44.3%

Housing tenure

81.4%

18.6%

Owner81.4%

Renter18.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 34683 in Palm Harbor, FL has changed in 5 years

Rent

$1,786 → $1,946

up 9.0%

Income

$75,189 → $92,885

up 23.5%

Population

33,490 → 33,911

up 1.3%

Renter share

23.5% → 18.6%

-4.9 pts

Bachelor's+

38.3% → 44.3%

+6.0 pts

Since 2022, the typical rent in ZIP 34683 in Palm Harbor, FL has climbed from $1,786 to $1,946, a 9.0% change over five years. Median household income rose from $75,189 to $92,885 between 2021 and 2024, a 23.5% shift. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 1.3% since 2021, moving from about 33,490 residents to roughly 33,911. Renters now make up 18.6% of households, compared with 23.5% five years ago. College-educated residents now make up 44.3% of adults here, versus 38.3% in 2021. Taken together, the five-year picture in ZIP 34683 in Palm Harbor, FL reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 34683

Last updated: October 17, 2026

ZIP code 34683 covers Palm Harbor, FL. The median rent here is $1,946/mo as of October 2026. A 1-bedroom rents for a median of $1,830/mo. A 2-bedroom rents for a median of $2,130/mo.

At 25% of local median household income ($92,885/yr), ZIP 34683 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 1.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 34683?

To keep rent at or below 30% of gross income, you would need to earn at least $78,000/year (about $38/hour full-time) to afford the median rent of $1,946/mo in ZIP 34683. The local median household income is $92,885/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 34683?

Rent in ZIP 34683 has fallen 1.1% over the past year as of September 2026. It sits 1.7% below its high of $1,980 in February 2025.

When is the cheapest time to rent in ZIP 34683?

Asking rents in ZIP 34683 are usually lowest in December, about 1.2% below their yearly trend, and highest in June, about 1.3% above it. At today's median that is a gap of roughly $49 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 34683 compare to other ZIPs in Florida?

ZIP 34683 is in the middle among Florida ZIP codes for rent, ranking #408 of 656 at $1,946/mo. Over the year to September 2026, rent in ZIP 34683 changed -1.1%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.