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Market Intelligence · FL / Palm Harbor

Palm Harbor, FL 34684 Housing Market

The typical home in Palm Harbor's 34684 ZIP code is worth $320,251, down 0.8% over the past year as of September 2026. The median list price sits at $297,450, and homes are spending a median of 76 days on the market. Sellers here should expect a slower pace than a year ago.

Updated September 2026Median value$320K

The median home value in Palm Harbor, FL 34684 is $320K as of September 2026, down 0.8% year over year, according to Zillow ZHVI. For a read on your own home, start with a free consultation: a licensed local pro will walk you through your numbers and your options, with no obligation.

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Typical 34684 range

$295K to $346K

This is an automated estimate, not an appraisal. Actual value is determined by current market conditions and professional evaluation. It is provided for informational purposes only and is not an offer to buy or a promise of value.

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12-month value trend

-0.8% over 12 months

Typical home value in 34684 over the last 12 months: $323K in Sep 2025 to $320K in Sep 2026 (-0.8%).

Sep 2025$323K

Sep 2026$320K

The numbers

What is the 34684 housing market like?

Typical home value

$320K

Down0.8%YoY

Median list price

$297K

Down0.8%MoM

Days on market

76

Up5.6%MoM

Homes for sale

212

Up3.4%MoM

Price cuts

24.5%

Down5.1%MoM

New listings

62

Down3.1%MoM

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026) / FRED (October 2026)

The outlook

34684 housing market forecast 2027

-1.4%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 34684 to fall 1.4% by September 2027.

Over the 12 months through September 2026, typical home values in 34684 fell 0.8%, per the Zillow Home Value Index.

Will home prices drop in 34684?

Zillow's forecast says they may: it expects typical home values in 34684 to fall 1.4% by September 2027, after a 0.8% decline over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

Forecast: Zillow Home Value Forecast, published October 2026. A forecast, not a guarantee.

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The comparison

How do 34684 home prices compare?

  • 34684$320,251
  • Palm Harbor$461,597
  • Florida$344,436
  • United States$285,347

Median Zillow home value (ZHVI), as of September 2026. Comparison levels are medians across every ZIP code with Zillow data (Palm Harbor: 3 ZIPs; Florida: 923 ZIPs; United States: 26,262 ZIPs).

Context

As of September 2026, there are 212 homes for sale in 34684, with 62 of those listed recently. That is a fair amount of competition for any seller entering the market. The median days on market is 76, so buyers are taking their time before making offers. The typical home value is $320,251, down 0.8% over the past year, which suggests prices are cooling rather than climbing. For a seller, the practical takeaway is that pricing accurately from day one matters more than testing the market with an optimistic number.

Monthly payment

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20% · $64,050

Common questions

What people ask us.

How much is a home in 34684 worth?

The typical home value in 34684 is $320,251 as of September 2026, down 0.8% over the past year.

How long does it take to sell a home in 34684?

The median days on market is 76 as of September 2026. Sellers should plan for a process measured in months, not weeks.

How many homes are for sale in 34684?

There are 212 homes for sale as of September 2026, with 62 new listings added recently. The median list price is $297,450.

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