ZIP Code · FL

ZIP 34695

Part of Safety Harbor, FL

Pop. 18,098·Pinellas County·205th most expensive ZIP in Florida

Median rent (all units)

$2,343/mo

Year-over-Year

+6.3%

Month-over-Month

+1.0%

vs US Median

+$411

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 34695 · $2,343

More expensive than 75% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,810

1 BR

$1,930

2 BR

$2,250

3 BR

$2,880

4 BR+

$3,500

Research median

$2,250/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

Past year vs. the rest of Florida

Rent in ZIP 34695 changed +6.3% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent has risen 4 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($95,238) is $2,381 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,250); a 3-bedroom is $2,880.

Cheaper nearby

ZIP 34677, 2 miles away, rents for 14% less ($2,015/mo), about $3,900 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 34695. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$28,116/yr

At $2,343/mo median

Location

CitySafety Harbor

StateFL

CountyPinellas County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.3% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.3% YoY, +1.0% MoM), not inventory.

Demographics

Who lives here

ZIP 34695 (Safety Harbor, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 46.1% of residents hold a bachelor's degree or higher.

Population

18,098

Median income

$95,238

Median age

51.5

Renters

13.5%

Age distribution

17.8%

27.5%

17.2%

26.2%

Under 1817.8%

18–3411.4%

35–5427.5%

55–6417.2%

65+26.2%

Gender

47.7%

52.3%

Male47.7%

Female52.3%

Race & ethnicity

76.7%

White76.7%

Black7.1%

Hispanic10%

Asian2.2%

Other4%

Education (25+)

22.6%

27%

46.1%

No HS diploma4.2%

HS diploma22.6%

Some college27%

Bachelor's+46.1%

Housing tenure

86.5%

13.5%

Owner86.5%

Renter13.5%

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

2021 vs 2026

How ZIP 34695 in Safety Harbor, FL has changed in 5 years

Income

$92,019 → $95,238

up 3.5%

Population

17,778 → 18,098

up 1.8%

Renter share

16.2% → 13.5%

-2.7 pts

Bachelor's+

44.1% → 46.1%

+2.0 pts

Median age

48 → 51.5

+3.5 yrs

Census figures show median household income at $95,238 today, compared with $92,019 five years earlier. Census counts show ZIP 34695 in Safety Harbor, FL adding about 320 residents over the five-year window, up 1.8% on net. The renter share has eased from 16.2% to 13.5%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 44.1% to 46.1% across the same window.

Community

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Local insights

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About renting in ZIP 34695

Last updated: October 17, 2026

ZIP code 34695 covers Safety Harbor, FL. The median rent here is $2,343/mo as of October 2026. A 1-bedroom rents for a median of $1,930/mo. A 2-bedroom rents for a median of $2,250/mo.

At 30% of local median household income ($95,238/yr), ZIP 34695 ranks as moderate compared to the national benchmark of 30%. Rents have increased 6.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 34695?

To keep rent at or below 30% of gross income, you would need to earn at least $94,000/year (about $45/hour full-time) to afford the median rent of $2,343/mo in ZIP 34695. The local median household income is $95,238/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 34695?

Rent in ZIP 34695 has risen 6.3% over the past year.

How does ZIP 34695 compare to other ZIPs in Florida?

ZIP 34695 is one of the pricier among Florida ZIP codes for rent, ranking #205 of 656 at $2,343/mo. Over the year to September 2026, rent in ZIP 34695 changed +6.3%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.