Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Palm Harbor at a glance
Local notes: Palm Harbor
An unincorporated North Pinellas community known for golf neighborhoods like Innisbrook and quick access to the Pinellas Trail and Honeymoon Island.
Housing stock in Palm Harbor
Palm Harbor has about 30,595 housing units. 65% are single-family homes and 16% are in buildings with 10 or more units, and 7% are mobile or manufactured homes. 29% of homes were built before 1980 and 11% were built in 2000 or later. The median resident is 50.9 years old. About 8% of housing units are seasonal or occasional-use homes, so part-time residents are a meaningful slice of the market.
Real-world check: homeowners here who have a mortgage pay a median $2,096/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
Florida-specific loan costs on a $405,300 purchase
| Item | Rule | On a $364,770 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $1,277 |
| Intangible tax | 0.2% of the loan | $730 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median Palm Harbor household earns $78,935. A $2,306 principal-and-interest payment (example 6.5% rate) is about 35% of that income before taxes and insurance.
Palm Harbor vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| Palm Harbor | $405,300 | $78,935 |
| Dunedin | $396,000 | $74,477 |
| Oldsmar | $380,300 | $88,333 |
| St. Petersburg | $371,100 | $75,192 |
| Gulfport | $366,200 | $71,203 |
| Clearwater | $361,300 | $66,381 |
How matching works
- Tell us what you need in Palm Harbor. It takes about a minute.
- We match you with one licensed loan officer who serves Palm Harbor, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
Frequently asked questions
What closing taxes are unique to Florida mortgages?
Florida charges documentary stamp tax on the note ($0.35 per $100) and a nonrecurring intangible tax of 0.2% of the loan amount.
Do you choose my lender for me?
No. We introduce you to a licensed loan officer, and you're free to shop and compare any lender.