Market Intelligence · FL / Palm Harbor

Palm Harbor, FL 34685 Housing Market

The typical home value in Palm Harbor, FL 34685 is $476,159 as of September 2026, down 1.2% over the past year. Homes currently list at a median price of $413,750 and spend a median of 88 days on the market.

Updated September 2026Median value$476K

The median home value in Palm Harbor, FL 34685 is $476K as of September 2026, down 1.2% 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 34685 range

$438K to $514K

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

-1.2% over 12 months

Sep 2025$482K

Low $475KHigh $482K

Sep 2026$476K

The numbers

What is the 34685 housing market like?

As of September 2026

Typical home value

$476K

1.2%YoY

Median list price

$414K

0.6%MoM

Days on market

14.3%MoM

Homes for sale

6.7%MoM

Price cuts

17.0%

41.8%MoM

New listings

16.7%MoM

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

The outlook

34685 housing market forecast 2027

-1.3%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 34685 to fall 1.3% by September 2027.

Over the 12 months through September 2026, typical home values in 34685 fell 1.2%, per the Zillow Home Value Index.

Will home prices drop in 34685?

Zillow's forecast says they may: it expects typical home values in 34685 to fall 1.3% by September 2027, after a 1.2% 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 34685 home prices compare?

34685$476,159
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 84 homes for sale in 34685, with 28 new listings coming on during the same period. The median list price of $413,750 sits well below the typical home value of $476,159, which has slipped 1.2% over the past year. Buyers are taking their time, with homes sitting a median of 88 days before going under contract. Meanwhile, 17.0% of listings have taken a price cut. For sellers, this is a slower market where pricing accurately from day one matters more than testing the ceiling.

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Home price

Down payment20% · $95,232

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Common questions

What people ask us.

How much is a home in 34685 worth?

The typical home value in Palm Harbor, FL 34685 is $476,159 as of September 2026, down 1.2% over the past year.

How long does it take to sell a home in 34685?

Homes in 34685 spend a median of 88 days on the market as of September 2026.

Are sellers cutting prices in 34685?

Yes. As of September 2026, 17.0% of listings in 34685 have had a price cut, with 84 homes for sale and 28 new listings during the period.

Discover

Nearby ZIP markets.

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