Housing data for Harbor Bluffs, FL
Harbor Bluffs, FL has an estimated 3,076 residents and 1,202 homes (US Census Bureau, 2020–2024 American Community Survey).
It is an unincorporated community in Pinellas County.
6.8% of households rent.
Figures last updated on .
- Residents
- 3,076 (±831)
- Housing units
- 1,202 (±196)
- Households that rent
- 6.8%
- Residents since 2015–2019
- +7.3%
What stands out in Harbor Bluffs
Median home value: $673,100 (±$124,249) in Harbor Bluffs, higher than in Pinellas County ($355,100).
Median household income: $140,972 (±$35,966) in Harbor Bluffs, higher than in Pinellas County ($72,646).
Median real estate taxes: $4,343 (±$820) in Harbor Bluffs, higher than in Pinellas County ($2,474).
Households that rent: 6.8% (±7.2 points) in Harbor Bluffs, lower than in Pinellas County (30.5%).
- Home values in Harbor Bluffs
- Income and affordability in Harbor Bluffs
- Property taxes in Harbor Bluffs
Housing in Harbor Bluffs at a glance
- Rent burden: 100.0% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 6.8% of households rent (Small sample: wide margin of error)
- Income and affordability: $140,972 median household income
- Home values: $673,100 median home value
- Homeowner costs: $2,769 median monthly cost with a mortgage
- Property taxes: $4,343 median real estate taxes a year
- Types of homes: 1.0% of homes are in buildings of 5 or more units
- Bedrooms: 80.8% of homes have 3 or more bedrooms
- Age of homes: 86.8% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 90.0% heat with electricity
- Commute and cars: 25.5 minutes average trip to work
- Growth: +7.3% residents since 2015–2019
- How long people stay: 16.2% moved in since 2020
- Crowding and facilities: 1.1% of homes have more than 1 person per room (Small sample: wide margin of error)
Harbor Bluffs against Pinellas County, its state and the nation
| Harbor Bluffs | Pinellas County | Florida | United States | |
|---|---|---|---|---|
| Residents | 3,076 (±831) | 963,481 (exact) | 22,416,077 (exact) | 334,922,499 |
| Housing units | 1,202 (±196) | 520,107 (±218) | 10,256,470 (±942) | 143,775,355 |
| Households that rent | 6.8% (±7.2 points) | 30.5% (±0.5 points) | 32.4% (±0.2 points) | 34.8% |
| Median gross rent | — | $1,642 (±$18) | $1,669 (±$5) | $1,413 |
| Median household income | $140,972 (±$35,966) | $72,646 (±$1,000) | $74,568 (±$284) | $80,734 |
| Median home value | $673,100 (±$124,249) | $355,100 (±$3,488) | $359,000 (±$930) | $332,700 |
| Median real estate taxes (a year) | $4,343 (±$820) | $2,474 (±$44) | $2,730 (±$10) | $3,119 |
| Built before 1980 | 86.8% (±17.6 points) | 58.8% (±0.8 points) | 33.9% (±0.2 points) | 49.7% |
| Average commute | 25.5 minutes (±8.8) | 25.2 minutes (±0.4) | 28.0 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 90.9% (±8.5 points) | 90.5% (±0.4 points) | 91.6% (±0.1 points) | 91.0% |
| Median age of residents | 50.1 years (±7.2) | 49.0 years (±0.1) | 42.6 years (±0.1) | 38.9 years |
Harbor Bluffs covers 0.7 square miles of land, about 4,439 residents per square mile (Census Bureau Gazetteer).
How Harbor Bluffs has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 2,866 (±647) | 3,076 (±831) | +7.3% | Not a measurable change |
| Housing units | 1,205 (±215) | 1,202 (±196) | −0.2% | Not a measurable change |
| Median home value | $388,600 (±$62,031) | $673,100 (±$124,249) | +73.2% | Up after inflation |
| Median household income | $93,449 (±$14,901) | $140,972 (±$35,966) | +50.9% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,949 (±$142) | $2,769 (±$153) | +42.1% | Up after inflation |
| Median real estate taxes | $3,602 (±$708) | $4,343 (±$820) | +20.6% | No measurable change after inflation |
| Households that rent | 22.4% (±12.5 points) | 6.8% (±7.2 points) | −15.6 percentage points | Measurable decrease |
| Rental vacancy rate | 0.0% (±15.5 points) | 0.0% (±40.9 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Pinellas County
Harbor Bluffs has no police department of its own in the FBI’s figures, so this is the figure for Pinellas County as a whole.
In 2025, the police departments that report for Pinellas County recorded 272 violent and 1,432 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Harbor Bluffs
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 33770 | 13% | 25,368 | $1,604 | $302,600 | $59,815 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Harbor Bluffs
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Belleair Bluffs | 0.9 mi | $1,388 | $415,900 | 37.0% |
| Belleair Shore | 1.3 mi | — | $2,000,000 or more | 0.0% |
| Indian Rocks Beach | 1.5 mi | $1,863 | $738,800 | 23.6% |
| Belleair Beach | 1.7 mi | $3,500 or more | $1,015,100 | 5.2% |
| Ridgecrest | 1.8 mi | $1,614 | $303,400 | 20.3% |
| Belleair | 2.1 mi | $2,281 | $633,300 | 8.9% |
| Largo | 3.2 mi | $1,618 | $229,100 | 38.3% |
| Indian Shores | 3.9 mi | $2,650 | $698,800 | 14.1% |
HUD Fair Market Rent for Harbor Bluffs, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $1,597 | $1,648 | $1,917 | $2,448 | $2,977 |
HUD income limits for Harbor Bluffs, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $24,100 | $40,150 | $64,250 |
| 2 people | $27,550 | $45,850 | $73,400 |
| 3 people | $31,000 | $51,600 | $82,600 |
| 4 people | $34,400 | $57,350 | $91,750 |
| 5 people | $38,680 | $61,950 | $99,100 |
| 6 people | $44,360 | $66,550 | $106,450 |
| 7 people | $50,040 | $71,150 | $113,800 |
| 8 people | $55,720 | $75,700 | $121,150 |
These are the limits HUD sets for its housing programs in the Tampa-St. Petersburg-Clearwater, FL MSA, where HUD’s median family income for fiscal year 2026 is $104,700.
A program can use its own limits; tax-credit and local programs often do.
Harbor Bluffs is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Harbor Bluffs
What is the median household income in Harbor Bluffs?
The median household income in Harbor Bluffs is $140,972 (±$35,966) a year (2020–2024 American Community Survey).
What is the average home value in Harbor Bluffs, FL?
The Census Bureau publishes the median: $673,100 (±$124,249) for owner-occupied homes in Harbor Bluffs (2020–2024 American Community Survey).
What is the average mortgage payment in Harbor Bluffs?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Harbor Bluffs, FL is $2,769 (±$153) a month, including taxes, insurance and utilities.
How much are property taxes in Harbor Bluffs?
The median real estate tax paid by homeowners in Harbor Bluffs, FL is $4,343 (±$820) a year (2020–2024 American Community Survey).
How many homes are in Harbor Bluffs?
Harbor Bluffs, FL has an estimated 1,202 (±196) housing units, occupied and vacant (2020–2024 American Community Survey).
What is the most common home size in Harbor Bluffs?
The most common size is 3 bedrooms, 53.3% of homes in Harbor Bluffs, FL.
Is Harbor Bluffs growing?
In Harbor Bluffs, the number of residents went from 2,866 in 2015–2019 to 3,076 in 2020–2024 (+7.3%), not a measurable change.
What ZIP codes are in Harbor Bluffs?
The ZIP code that covers Harbor Bluffs is 33770.
What is the median rent in ZIP code 33770?
The median gross rent in ZIP Code Tabulation Area 33770 is $1,604 (±$94) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Harbor Bluffs CDP, Florida
- HUD Fair Market Rents, fiscal year 2027: Tampa-St. Petersburg-Clearwater, FL MSA
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Tampa-St. Petersburg-Clearwater, FL MSA
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Harbor Bluffs CDP, Florida (place:28650, in state:12).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .