ZIP Code · FL

ZIP 34684

Part of Palm Harbor, FL

Pop. 27,029·Pinellas County·454th most expensive ZIP in Florida

Median rent (all units)

$1,869/mo

Year-over-Year

+0.8%

Month-over-Month

+0.5%

vs US Median

-$63

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 34684 · $1,869

More expensive than 54% of US ZIP codes · National median $1,932/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: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 34684 is 2.5% below its high of $1,917 in April 2025, at $1,869 as of September 2026.

Past year vs. the rest of Florida

Rent in ZIP 34684 changed +0.8% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($72,145) is $1,804 a month. That covers HUD's Fair Market Rent for up to a studio ($1,740); a 1-bedroom is $1,850.

Rank in Palm Harbor

1st cheapest of 3 ZIP codes in Palm Harbor.

From Zillow's monthly rent index (ZORI) for ZIP 34684. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$22,428/yr

At $1,869/mo median

Location

CityPalm Harbor

StateFL

CountyPinellas County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.8% YoY, +0.5% 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

2022 vs 2026

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

Rent

$1,797 → $1,869

up 4.0%

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

Rent in ZIP 34684 in Palm Harbor, FL has climbed 4.0% since 2022, going from about $1,797 per month to roughly $1,869 today. Median household income grew from $57,768 to $72,145 between 2021 and 2024, a 24.9% shift. Income growth outran rent by about 20.9 percentage points, easing the affordability math somewhat compared with 2021. 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%. Taken together, the five-year picture in ZIP 34684 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 34684

Last updated: October 17, 2026

ZIP code 34684 covers Palm Harbor, FL. The median rent here is $1,869/mo as of October 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 increased 0.8% over the past year.

FAQ

Frequently asked questions

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 $75,000/year (about $36/hour full-time) to afford the median rent of $1,869/mo in ZIP 34684. The local median household income is $72,145/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 34684?

Rent in ZIP 34684 has risen 0.8% over the past year as of September 2026. It sits 2.5% below its high of $1,917 in April 2025.

How does ZIP 34684 compare to other ZIPs in Florida?

ZIP 34684 is one of the more affordable among Florida ZIP codes for rent, ranking #454 of 656 at $1,869/mo. Over the year to September 2026, rent in ZIP 34684 changed +0.8%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.