ZIP 34681 · Palm Harbor, FL · 1,331 residents · September 2026
Palm Harbor 34681: buyers hold the leverage.
Buyers hold the leverage. Listings sit longer and often close below asking. Typical home value $638K, −2.1% over 12 months; listings take 117 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
Higher than 42% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026−52
- Apr 2026−54
- May 2026−53
- Jun 2026−48
- Jul 2026−50
- Aug 2026—no reading on record
- Sep 2026−50
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 117 days on marketslower than the U.S. median ZIP's 60 days
- 30% of listings cut pricemore than the U.S. median ZIP's 20%
- Sale-to-list 93.9%homes close below asking · Redfin, Aug 2025
- 24 active listings+26% vs a year ago
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, August 2025.
Softening: prices −2.1% over the trailing year, with the market leaning toward buyers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown.
Last 90 days
How the typical value and the listings moved over the last three months.
Prices
Typical home value since 2000, and how far it moved over each window.
Zillow ZHVI peaked at $728,810 in August 2024; the latest value is −12.5% from that peak, 24 months on. Since January 2019 it is +76.8%. The sharpest 12-month move was −10.4%, ending September 2025.
Zillow's typical home value here, $638K in August 2026, is 121% above the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −2.1% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Starter homes here rose 13% in five years while top-tier homes rose 10% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
Zillow typical values by price tier, home type and bedrooms, August 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Florida rank |
|---|---|---|---|---|
| 1 year | −2.1% | −2.1%/yr | Higher than 11% nationally | Higher than 30% in Florida |
| 3 years | −10.2% | −3.5%/yr | Higher than 3% nationally | Higher than 19% in Florida |
| 5 years | +11.5% | +2.2%/yr | Higher than 21% nationally | Higher than 11% in Florida |
| 10 years | +86.4% | +6.4%/yr | Higher than 58% nationally | Higher than 40% in Florida |
| Since 2000 | +304.1% | +5.4%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Forecast
Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.
Last three years, then the forecast band
HavenScore Forecast Model (v1) · run October 1, 2026A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →
Of the 3-month ranges we published since December 2025, 54% contained the actual price.
Zillow's own published forecast has this ZIP's typical value rise 0.3% over the twelve months from August 2026 (Zillow Home Value Forecast).
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$4,84781% of the U.S. median ZIP's household income ($71,388)Above the 36% line lenders use for total debt. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $2,717 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Like for like: the HUD fair market rent for a 3-bedroom here is $2,720 a month (FY 2026), against a typical 3-bedroom value of $618K (Zillow, August 2026) — a 5.3% gross rent yield.
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 47 scored ZIPs in Pinellas County.
Everyday prices
Everyday prices in the Tampa metro run 1% above the U.S. average (BEA Regional Price Parities, 2024).
Rents in the index run 26% above the U.S. average.
$75,000 at U.S.-average prices buys what $75,650 buys here.
Metro-level index, U.S. = 100 · 2024 · the Tampa metro, not this ZIP alone.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
79Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
24 scored Florida ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Florida ZIP centers colored by market balance; the ring is 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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