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All market snapshots / 34685

Palm Harbor, FL 34685 Housing Market

Data snapshot: October 26, 2026. Closed-sale window: last 6 months.
Palm Harbor, FL inventory balance
Homes for sale vs homes under contract. Pending-to-active ratio: 0.03
ActiveActive listings: 3737PendingPending sales: 11
Palm Harbor, FL: what sellers ask vs what buyers pay
Median asking price of current listings vs median closed sale price over the last six months
AskingMedian asking price (current listings): $430k$430kSoldMedian sold price (last 6 months): $495k$495k
What homes actually sell for in Palm Harbor, FL
Distribution of 151 closed sale prices over the last six months (5th to 95th percentile). Middle half of sales: $322k to $710k
$168k to $277k: 18 sales$168k$277k to $386k: 33 sales33sales$386k to $495k: 18 sales$386k$495k to $604k: 22 sales$604k to $713k: 17 sales$604k$713k to $822k: 9 sales$822k to $931k: 14 sales$822k$931k to $1.04M: 6 salesMedian $495k

What the numbers say

As of October 26, 2026, Resideline is tracking 37 active listings and 1 pending sales in ZIP code 34685. That pending-to-active ratio of 0.03 makes it a slower-moving market: listings are going under contract more slowly than in most ZIP codes Resideline tracks, which usually gives buyers more room to negotiate.

The median asking price of current listings is $430,000, while the median of the 151 closed sales Resideline tracked over the last six months was $495,000. Those two figures describe different sets of homes, so any gap between them reflects the mix of what is listed now versus what recently sold, not a negotiating discount. Resideline has been seeing the median active listing in 34685 for 109 days.

Frequently asked questions

What is the median home price in 34685?

The median closed sale price in Palm Harbor, FL 34685 was $495,000 over the last six months, based on 151 closed sales tracked by Resideline. The middle half of those sales ranged from $322,000 to $710,000.

Is 34685 a buyer's or seller's market?

Resideline is currently tracking 1 pending sales against 37 active listings in 34685, a pending-to-active ratio of 0.03. Resideline tracks a sample of pending sales, so the ratio is most useful as a comparison: across the 3,777 ZIP codes Resideline tracks, the middle half run from 0.05 to 0.11. A higher ratio means listings go under contract faster, which usually favors sellers; a lower one gives buyers more room. By that comparison, 34685 is currently a slower-moving market.

Nearby ZIP code market data

Full Palm Harbor, FL housing market report →

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