Zip code 34685: Palm Harbor, Florida

Q: What city is zip code 34685?

34685 is assigned to Palm Harbor, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 34685 in?

34685 is in Pinellas County, Florida.

Q: What is the population of 34685?

About 18,132 people live in 34685, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 34685?

The median household income in 34685 is $94,688.

Q: What zip codes are near 34685?

The closest zip codes to 34685 are 34684, 34677, 34688, 34683, 34682.

Residential delivery areaPinellas CountyEastern Time

Population

18,132

Median household income

$95K

U.S. $81K

Median home value

$518K

U.S. $333K

Median rent

$1,990/mo

U.S. $1,413

Median age

48.4

U.S. 38.9

Land area

10 sq mi

1,802 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 34685

34685 is a suburban zip code in Palm Harbor, Florida (Pinellas County), covering 10 sq mi of land. About 18,132 people live here, or 1,802 per square mile. The median resident is 48.4 years old, compared with 38.9 nationally.

The median household earns $94,688 a year, 17% above the national median of $80,734. 4.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $518,000, or 5.5 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 77% of occupied homes are lived in by their owners, and renters pay a median of $1,990 a month.

49% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.5 minutes each way, and 27% of workers work from home. The most common jobs among working residents are in management; office and administrative support; and sales.

How 34685 compares

Sorted from highest to lowest national percentile

Rent-burdened renters66.9%
95th
WeaknessU.S. 51.1% · FL 60.1%191st of 945 in FL
Residents 65 and older26.6%
94th
U.S. 17.2% · FL 21.3%284th of 977 in FL
Median age48.4
93rd
U.S. 38.9 · FL 42.6300th of 977 in FL
Work from home27.3%
91st
U.S. 15.1% · FL 15.7%85th of 975 in FL
Healthcare workers12.5%
85th
U.S. 9.7% · FL 9.5%136th of 973 in FL
Self-employed workers13.5%
85th
U.S. 10% · FL 12.8%408th of 973 in FL
Veterans8.9%
84th
U.S. 6.2% · FL 7.4%390th of 976 in FL
Median gross rent$1,990
83rd
U.S. $1,413 · FL $1,669165th of 902 in FL
Per capita income$56,742
81st
StrengthU.S. $44,673 · FL $42,609174th of 977 in FL
Income inequality (Gini)0.478
80th
WeaknessU.S. 0.483 · FL 0.485259th of 968 in FL
Broadband access95.3%
79th
U.S. 91% · FL 91.6%217th of 969 in FL
Bachelor's degree or higher49%
78th
U.S. 35.7% · FL 34.1%161st of 975 in FL
Median home value$518,000
76th
U.S. $332,700 · FL $359,000149th of 935 in FL
Median earnings per worker$60,110
75th
U.S. $49,666 · FL $44,337122nd of 961 in FL
Homeownership rate76.9%
71st
U.S. 65.2% · FL 67.6%437th of 969 in FL
Tech workers4.1%
69th
U.S. 3.8% · FL 3.1%216th of 973 in FL
Median household income$94,688
67th
U.S. $80,734 · FL $74,568201st of 948 in FL
Average commute27.5 min
60th
U.S. 26.4 min · FL 28 min490th of 948 in FL
Housing vacancy7.8%
59th
U.S. 10.1% · FL 14.7%708th of 969 in FL
Foreign-born residents12.3%
58th
U.S. 14.1% · FL 21.9%453rd of 977 in FL
Population density1,802/sq mi
55th
U.S. 95/sq mi · FL 418/sq mi415th of 977 in FL
Government workers13.3%
47th
U.S. 14.5% · FL 11.7%327th of 973 in FL
Diversity index34.3
29th
U.S. 61.4 · FL 64.7725th of 977 in FL
Population18,132
28th
U.S. 334,922,499 · FL 22,416,077544th of 977 in FL
Uninsured rate4.2%
24th
U.S. 8.4% · FL 11.5%893rd of 973 in FL
Residents under 1818.7%
23rd
U.S. 22% · FL 19.5%500th of 977 in FL
Unemployment rate3%
16th
StrengthU.S. 5.2% · FL 4.8%760th of 973 in FL
Poverty rate4.8%
11th
StrengthU.S. 12.5% · FL 12.6%893rd of 970 in FL

Measure	34685	Pinellas	FL	U.S.	National percentile	Rank in FL
Rent-burdened rentersWeakness	66.9%	60.1%	60.1%	51.1%	95th	191st of 945
Residents 65 and older	26.6%	26.4%	21.3%	17.2%	94th	284th of 977
Median age	48.4	49	42.6	38.9	93rd	300th of 977
Work from home	27.3%	20%	15.7%	15.1%	91st	85th of 975
Healthcare workers	12.5%	10.5%	9.5%	9.7%	85th	136th of 973
Self-employed workers	13.5%	12.9%	12.8%	10%	85th	408th of 973
Veterans	8.9%	8.3%	7.4%	6.2%	84th	390th of 976
Median gross rent	$1,990	$1,642	$1,669	$1,413	83rd	165th of 902
Per capita incomeStrength	$56,742	$48,351	$42,609	$44,673	81st	174th of 977
Income inequality (Gini)Weakness	0.478	0.488	0.485	0.483	80th	259th of 968
Broadband access	95.3%	90.5%	91.6%	91%	79th	217th of 969
Bachelor's degree or higher	49%	36.8%	34.1%	35.7%	78th	161st of 975
Median home value	$518,000	$355,100	$359,000	$332,700	76th	149th of 935
Median earnings per worker	$60,110	$48,099	$44,337	$49,666	75th	122nd of 961
Homeownership rate	76.9%	69.5%	67.6%	65.2%	71st	437th of 969
Tech workers	4.1%	3.7%	3.1%	3.8%	69th	216th of 973
Median household income	$94,688	$72,646	$74,568	$80,734	67th	201st of 948
Average commute	27.5 min	25.2 min	28 min	26.4 min	60th	490th of 948
Housing vacancy	7.8%	17.6%	14.7%	10.1%	59th	708th of 969
Foreign-born residents	12.3%	12.4%	21.9%	14.1%	58th	453rd of 977
Population density	1,802/sq mi	3,519/sq mi	418/sq mi	95/sq mi	55th	415th of 977
Government workers	13.3%	10.9%	11.7%	14.5%	47th	327th of 973
Diversity index	34.3	47.1	64.7	61.4	29th	725th of 977
Population	18,132	963,481	22,416,077	334,922,499	28th	544th of 977
Uninsured rate	4.2%	10.4%	11.5%	8.4%	24th	893rd of 973
Residents under 18	18.7%	15.4%	19.5%	22%	23rd	500th of 977
Unemployment rateStrength	3%	4.4%	4.8%	5.2%	16th	760th of 973
Poverty rateStrength	4.8%	11.5%	12.6%	12.5%	11th	893rd of 970

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

25–34

13%

35–44

14%

45–54

14%

55–64

12%

65–74

15%

75+

Median age

48.4

Under 18

18.7%

65 and over

26.6%

Race and ethnicity

White80%
Black2%
Hispanic8%
Asian4%
Native American0.0%
Pacific Islander0%
Other0.6%
Multiracial5%

Diversity index

34.3

U.S. 61.4

Foreign-born

12.3%

U.S. 14.1%

Born in state

29.5%

Language spoken at home (households)

English only

81%

Spanish

Other Indo-European

12%

Asian / Pacific

Other

0.9%

Households

Households: 7,405
Average household size: 2.4
Family households: 69.1%
Married couples: 58.1%
Living alone: 27.3%
Veterans (of adults): 8.9%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

14%

$50–75k

17%

$75–100k

10%

$100–150k

18%

$150–200k

11%

$200k+

19%

Median household income

34685

$94,688

Pinellas Co.

$72,646

Florida

$74,568

United States

$80,734

Per capita income

$56,742

U.S. $44,673

Poverty rate

4.8%

U.S. 12.5%

Households earning $150K+

30.3%

U.S. 23%

Income inequality (Gini)

0.478

U.S. 0.483

Housing

Median home value

34685

$518,000

Pinellas Co.

$355,100

Florida

$359,000

United States

$332,700

Median gross rent

34685

$1,990

Pinellas Co.

$1,642

Florida

$1,669

United States

$1,413

Types of housing

Single-family

69%

2–4 units

5–19 units

15%

20+ units

12%

Mobile home

0.1%

Boat, RV, van

Housing units: 8,032
Owner-occupied: 76.9%
Vacant: 7.8%
Median year built: 1992
Median rooms: 6.1
Renters paying 30%+ of income: 66.9%
Renters paying 50%+ of income: 28.6%
Home value to income: 5.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

65%

Carpooled

Transit

0.0%

Walked

0.1%

Bicycle

Worked from home

27%

Other

Commute time (one way)

<10 min

10–19

27%

20–29

28%

30–44

26%

45–59

60+

Average commute

27.5 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

54.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

17%

Office and admin

15%

Sales

14%

Healthcare

13%

Business and finance

Construction and repair

Education

Computer and math

Transportation and moving

Police and fire

Cleaning and personal care

Legal and social services

Food service

Engineering and science

Arts, media and sports

Production

Farming, fishing and forestry

Industries

Retail

16%

Health care and social assistance

16%

Finance, insurance and real estate

13%

Professional and technical services

12%

Public administration

Manufacturing

Education

Construction

Other services

Restaurants and hotels

Arts and recreation

Admin, support and management

Transportation, warehousing and utilities

Wholesale

Information

Agriculture and mining

Median earnings per worker

$60,110

U.S. $49,666

Self-employed

13.5%

U.S. 10%

Government workers

13.3%

U.S. 14.5%

Nonprofit workers

6.5%

U.S. 8.8%

Median earnings by type of work

Type of work	34685	U.S.
Management, business, science and arts	$85,299	$74,888
Service	$33,878	$26,804
Sales and office	$41,515	$40,476
Construction and maintenance	$55,863	$49,199
Production and transportation	$26,509	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

15%

Some college

17%

Associate's

13%

Bachelor's

30%

Graduate

19%

High school graduate or higher: 94.5%
Bachelor's degree or higher: 49%
Graduate or professional degree: 18.6%
Households with broadband: 95.3%
Cable, fiber or DSL: 88.3%
No internet access: 3.2%
Without health insurance: 4.2%
Limited-English households: 1.8%

Geography

City (USPS): Palm Harbor
State: Florida
County: Pinellas County
Center point: 28.0933° N, 82.6894° W
Land area: 10 sq mi
Water area: 1.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

East Lake (unincorporated)99% of zip
Oldsmar1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 34685

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
34684	Palm Harbor, FL	2.4 mi	27,029	$72,145	$342,400
34677	Oldsmar, FL	3.5 mi	22,762	$93,474	$387,300
34688	Tarpon Springs, FL	3.5 mi	8,522	$112,091	$510,100
34683	Palm Harbor, FL	4.4 mi	33,911	$92,885	$452,100
34682	Palm Harbor, FL · PO box	4.6 mi	—	—	—
33761	Clearwater, FL	4.7 mi	18,290	$74,728	$289,700
34681	Crystal Beach, FL	5.4 mi	1,284	—	$729,000
34660	Ozona, FL · PO box	5.7 mi	—	—	—
34689	Tarpon Springs, FL	5.9 mi	27,324	$74,854	$337,000
34695	Safety Harbor, FL	5.9 mi	18,098	$95,238	$439,300
33626	Tampa, FL	6 mi	30,575	$127,118	$577,100
33635	Tampa, FL	6.7 mi	19,134	$86,894	$344,900

Zip codes like 34685 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 34685

What city is zip code 34685?

34685 is assigned to Palm Harbor, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 34685 in?

34685 is in Pinellas County, Florida.

What is the population of 34685?

About 18,132 people live in 34685, according to the Census Bureau's American Community Survey.

What time zone is 34685 in?

34685 is in Eastern Time.

What is the median household income in 34685?

The median household income in 34685 is $94,688.

What zip codes are near 34685?

The closest zip codes to 34685 are 34684, 34677, 34688, 34683, 34682.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 34685, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.