Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
A small unincorporated community along the Intracoastal near Largo, with mostly owner-occupied single-family homes, some on the water.
Harbor Bluffs is home to about 3,076 residents in Pinellas County. The median home value is $673,100, 80% above the typical Pinellas community, and half of homes were built in 1964 or earlier. About 93% of occupied homes are owner-occupied.
Parts of Harbor Bluffs sit on or near the water, so flood insurance, elevation certificates and wind mitigation come up in most transactions.
$673,100
Median home value
$140,972
Median household income
1964
Median year homes were built
93%
Homes that are owner-occupied
3,076
Residents
$2,769/mo
Median owner costs (with mortgage)
3%
Seasonal / occasional-use homes
Real estate services in Harbor Bluffs
Sell Your HomeListing agents serving Harbor BluffsBuy a HomeBuyer's agents serving Harbor BluffsHome Value EstimateLocal agents serving Harbor BluffsHome InsuranceLicensed insurance agents serving Harbor BluffsHome InspectorsLicensed home inspectors serving Harbor BluffsMortgage LendersLicensed loan officers serving Harbor BluffsTitle & ClosingTitle agents serving Harbor BluffsReal Estate AttorneysFlorida real estate attorneys serving Harbor BluffsMoversRegistered moving companies serving Harbor Bluffs
Home services in Harbor Bluffs
RoofingAC & Heating (HVAC)PlumbingElectricalHandymanPaintingHouse CleaningJunk RemovalLandscaping & Lawn CarePest & Termite ControlPool Service & RepairWater Damage & MoldImpact Windows & ShuttersGeneratorsRemodeling (Kitchen & Bath)FlooringFencingGarage DoorsSolar
Popular guides
Florida Seller Closing Costs, Explained (With Pinellas Examples)Guide4-Point vs. Wind Mitigation Inspections in Florida: What Buyers and Sellers NeedGuideRent vs. Buy in Pinellas County: Community-by-Community NumbersGuide
Communities with similar home values
St. Pete Beach$675,700 medianBelleair$633,300 medianMadeira Beach$722,800 medianTreasure Island$621,600 medianIndian Rocks Beach$738,800 medianRedington Shores$770,600 medianEast Lake$488,000 medianTierra Verde$865,400 median
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