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ZIP Code · FL

ZIP 34684

Pop. 27,029·Pinellas County·455th most expensive ZIP in Florida
Median rent (all units)
$1,892/mo
Year-over-Year
-2.0%
Month-over-Month
+3.8%
vs US Median
-$73
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 34684 · $1,892
More expensive than 54% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,740
1 BR
$1,850
2 BR
$2,160
3 BR
$2,760
4 BR+
$3,360
Research median
$2,160/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: July 20, 2026

Annual cost
$22,704/yr
At $1,892/mo median
Location
StateFL
CountyPinellas County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (2.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (-2.0% YoY, +3.8% MoM), not inventory.
Demographics

Who lives here

ZIP 34684 (Palm Harbor, FL) is majority owner-occupied, has a large retiree population, 37.6% of residents hold a bachelor's degree or higher.

Population
27,029
Median income
$72,145
Median age
55.3
Renters
27.1%
Age distribution
14.8%
13.1%
21.7%
13.8%
36.5%
Under 1814.8%
18–3413.1%
35–5421.7%
55–6413.8%
65+36.5%
Gender
48%
52%
Male48%
Female52%
Race & ethnicity
83.3%
White83.3%
Black2.3%
Hispanic10.4%
Asian3.1%
Other0.9%
Education (25+)
28.1%
30.4%
37.6%
No HS diploma3.9%
HS diploma28.1%
Some college30.4%
Bachelor's+37.6%
Housing tenure
72.9%
27.1%
Owner72.9%
Renter27.1%

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

2021 vs 2026

How ZIP 34684 in Palm Harbor, FL has changed in 5 years

Income
$57,768 → $72,145
up 24.9%
Population
27,304 → 27,029
down 1.0%
Renter share
28.2% → 27.1%
-1.1 pts
Bachelor's+
32.5% → 37.6%
+5.1 pts
Median age
52.4 → 55.3
+2.9 yrs

Median household income grew from $57,768 to $72,145 between 2021 and 2024, a 24.9% shift. Headcount in the area went from 27,304 to 27,029 between 2021 and 2024, a 1.0% change. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 32.5% to 37.6%.

Community

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Local insights

Tips for renters in ZIP 34684

About renting in ZIP 34684

Last updated: July 20, 2026

ZIP code 34684 covers Palm Harbor, FL. The median rent here is $1,892/mo as of July 2026. A 1-bedroom rents for a median of $1,850/mo. A 2-bedroom rents for a median of $2,160/mo.

At 31% of local median household income ($72,145/yr), ZIP 34684 ranks as moderate compared to the national benchmark of 30%. Rents have decreased 2.0% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 34684?

As of July 20, 2026, the median monthly rent in ZIP 34684 (Palm Harbor, FL) is $1,892. This is based on aggregated data from public sources and community submissions.

How does ZIP 34684 rent compare to the US average?

ZIP 34684's median rent of $1,892/mo is $73 (4%) below the US national median of $1,965/mo.

How does ZIP 34684 compare to other ZIPs in Florida?

ZIP 34684 is among the more affordable ZIP codes in Florida, ranking #455 out of 662 ZIPs at $1,892/mo.

How much income do you need to rent in ZIP 34684?

To keep rent at or below 30% of gross income, you would need to earn at least $76,000/year (~$37/hour full-time) to afford the median rent of $1,892/mo in ZIP 34684. The local median household income is $72,145/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 34684?

Rent in ZIP 34684 has decreased 2.0% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 34684 an affordable place to rent?

ZIP 34684 is considered moderate for renters. At $1,892/mo, rent takes approximately 31% of the local median household income ($72,145/yr). The standard benchmark is 30%. ZIP 34684 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 34684 residents rent vs. own?

According to Census data, approximately 27.1% of ZIP 34684 households are renters, while 72.9% are owner-occupied. ZIP 34684 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 34684 compare to the rest of Palm Harbor?

ZIP 34684 is pricier than Palm Harbor as a whole. At $1,892/mo, it's $47 above the Palm Harbor citywide median of $1,845/mo.

When was rent data for ZIP 34684 last updated?

Rent data for ZIP 34684 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
31%
MODERATE

At $1,892/mo, rent takes ~31% of ZIP 34684's median household income ($72,145/yr). The standard benchmark is 30%.

ZIP 34684 31%Benchmark 30%
State income taxNone
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Schools nearby

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