Palm Harbor 34684
Pinellas County, FL · 26,011 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / sellerbuyer-timing lens
Balanced market in 34684. List price is roughly fair — focus on condition and value. Payment burden: 29.2% of median income. Median days on market: 63. Renting is approximately 24% cheaper than buying (price-to-rent ratio: 14.9).
Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 3.9% YoY.
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Market snapshoteach number, once
Valuation3 lenses, different anchors
Affordability, supply & momentum
Supply and demand are roughly even — standard negotiation dynamics.