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PALM HARBOR, FL 34685

Real Estate Market Report  ·  Pinellas County
Balanced Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
101
⇩ 8.2% vs 110 last year
Pending
29
29% pending ratio
Median Price
$439,500
⇧ 2.5% vs $428,725 last year
Average Price
$522,426
⇩ 1.2% vs $528,874 last year
Days on Market
91
⇧ 23% vs 74 days last year

Market Context

Population: 17,869  ·  Density: 687.4/mi²  ·  Median household income: $88,867

Typical home value: $430,144  ·  Homeownership: 75.1%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The PALM HARBOR, FL real estate market (34685) currently shows 101 active listings, with 29 pending sales. Homes are averaging 91 days on the market before going under contract.

Inventory has tightened compared to last year, with 9 fewer active listings — creating more competition among buyers.

Homes are taking longer to sell, averaging 91 days on market compared to 74 days last year.

The median listing price has risen 2.5% year-over-year, from $428,725 to $439,500.

Whether you are buying or selling in PALM HARBOR, FL, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 101 this year vs 110 last year
  • Days on market: 91 now vs 74 last year

Median & Average Pricing

Year over Year
  • Median: $439,500 (+2.5% YoY)
  • Average: $522,426 (-1.2% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 10.0 miles — 2,240 listings ($1,168,968,224 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
34685Palm Harbor, FL 346850.0 mi101$52,765,026$439,500$522,426
34688Tarpon Springs, FL 346883.1 mi87$63,302,244$549,500$727,612
34683Palm Harbor, FL 346834.5 mi214$125,139,068$455,500$584,762
33761Clearwater, FL 337615.3 mi112$39,480,448$250,000$352,504
34689Tarpon Springs, FL 346895.5 mi274$148,144,950$425,000$540,675
33635Tampa, FL 336356.7 mi54$28,808,568$539,230$533,492
33763Clearwater, FL 337637.5 mi224$52,178,336$194,900$232,939
33556Odessa, FL 335567.6 mi181$222,507,282$725,000$1,229,322
34655New Port Richey, FL 346558.0 mi282$122,495,160$349,500$434,380
33759Clearwater, FL 337598.4 mi79$26,501,893$249,000$335,467
33765Clearwater, FL 337659.3 mi55$19,142,200$354,500$348,040
34652New Port Richey, FL 346529.9 mi405$148,836,285$262,900$367,497
33755Clearwater, FL 3375510.0 mi172$119,666,764$448,250$695,737

Frequently Asked Questions

How many homes are for sale in PALM HARBOR, FL 34685?

As of January 2026, there are 101 active listings in PALM HARBOR, FL (zip code 34685), compared to 110 the prior year.

What is the median home price in PALM HARBOR, FL 34685?

The median listing price in PALM HARBOR, FL 34685 is $439,500 as of January 2026, a 2.5% increase from $428,725 the prior year.

How long do homes stay on the market in PALM HARBOR, FL?

Homes in PALM HARBOR, FL 34685 spend an average of 91 days on the market before going under contract, compared to 74 days the prior year.

Is it a seller's or buyer's market in PALM HARBOR, FL 34685?

Based on current inventory and days-on-market data as of January 2026, PALM HARBOR, FL 34685 is currently a Balanced Market. Inventory has tightened compared to last year, with 9 fewer active listings — creating more competition among buyers. Homes are taking longer to sell, averaging 91 days on market compared to 74 days last year.

How much can I save on real estate commission in PALM HARBOR, FL?

With SELL123.com's maximum 3% commission, sellers in PALM HARBOR, FL 34685 save an estimated $8,790 compared to a typical 5% commission on the median listing price of $439,500. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.