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ZIP Code · FL

ZIP 34685

Pop. 18,132·Pinellas County·431st most expensive ZIP in Florida
Median rent (all units)
$1,922/mo
Year-over-Year
-10.0%
Month-over-Month
+1.4%
vs US Median
-$43
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 34685 · $1,922
More expensive than 56% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,440
1 BR
$1,529
2 BR
$1,783
3 BR
$2,283
4 BR+
$2,775
Research median
$1,783/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
$23,064/yr
At $1,922/mo median
Location
StateFL
CountyPinellas County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 10.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (-10.0% YoY, +1.4% MoM), not inventory.
Demographics

Who lives here

ZIP 34685 (Palm Harbor, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 49% of residents hold a bachelor's degree or higher.

Population
18,132
Median income
$94,688
Median age
48.4
Renters
23.1%
Age distribution
18.7%
13.5%
27.3%
13.9%
26.6%
Under 1818.7%
18–3413.5%
35–5427.3%
55–6413.9%
65+26.6%
Gender
49.4%
50.6%
Male49.4%
Female50.6%
Race & ethnicity
82%
White82%
Black2.2%
Hispanic7.9%
Asian3.8%
Other4%
Education (25+)
15.5%
30%
49%
No HS diploma5.5%
HS diploma15.5%
Some college30%
Bachelor's+49%
Housing tenure
76.9%
23.1%
Owner76.9%
Renter23.1%

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

2021 vs 2026

How ZIP 34685 in Palm Harbor, FL has changed in 5 years

Income
$79,968 → $94,688
up 18.4%
Population
17,555 → 18,132
up 3.3%
Renter share
24.8% → 23.1%
-1.7 pts
Bachelor's+
43.5% → 49%
+5.5 pts
Median age
50.1 → 48.4
-1.7 yrs

Household income in the area moved from $79,968 to $94,688 across the same window, up 18.4% versus 2021. Headcount in the area went from 17,555 to 18,132 between 2021 and 2024, a 3.3% change. About 23.1% of households rent today, against 24.8% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 43.5% to 49%.

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Local insights

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About renting in ZIP 34685

Last updated: July 20, 2026

ZIP code 34685 covers Palm Harbor, FL. The median rent here is $1,922/mo as of July 2026. A 1-bedroom rents for a median of $1,529/mo. A 2-bedroom rents for a median of $1,783/mo.

At 24% of local median household income ($94,688/yr), ZIP 34685 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 10.0% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 34685?

As of July 20, 2026, the median monthly rent in ZIP 34685 (Palm Harbor, FL) is $1,922. This is based on aggregated data from public sources and community submissions.

How does ZIP 34685 rent compare to the US average?

ZIP 34685's median rent of $1,922/mo is $43 (2%) below the US national median of $1,965/mo.

How does ZIP 34685 compare to other ZIPs in Florida?

ZIP 34685 falls in the middle range for Florida, ranking #431 out of 662 ZIPs at $1,922/mo.

How much income do you need to rent in ZIP 34685?

To keep rent at or below 30% of gross income, you would need to earn at least $77,000/year (~$37/hour full-time) to afford the median rent of $1,922/mo in ZIP 34685. The local median household income is $94,688/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 34685?

Rent in ZIP 34685 has decreased 10.0% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 34685 an affordable place to rent?

ZIP 34685 is considered very affordable for renters. At $1,922/mo, rent takes approximately 24% of the local median household income ($94,688/yr). The standard benchmark is 30%. ZIP 34685 falls comfortably within that range.

What percentage of ZIP 34685 residents rent vs. own?

According to Census data, approximately 23.1% of ZIP 34685 households are renters, while 76.9% are owner-occupied. ZIP 34685 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 34685 compare to the rest of Palm Harbor?

ZIP 34685 is pricier than Palm Harbor as a whole. At $1,922/mo, it's $77 above the Palm Harbor citywide median of $1,845/mo.

When was rent data for ZIP 34685 last updated?

Rent data for ZIP 34685 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
24%
VERY AFFORDABLE

At $1,922/mo, rent takes ~24% of ZIP 34685's median household income ($94,688/yr). The standard benchmark is 30%.

ZIP 34685 24%Benchmark 30%
State income taxNone
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