Housing market/Florida/ZIP 34684
ZIP 34684 Palm Harbor, Florida
Tampa-St. Petersburg-Clearwater, FL MSA · Florida. Census housing stock, renter economics, HUD SAFMR, LIHTC, and population change. Not a listing page and not a buy/sell score.
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HUD schedule, ACS stock, and the 90–110% band for ZIP 34684 · FL — sent to you.
ZIP 34684 · FL
ACS rent vs 2BR SAFMR
ZIP 34684 — Palm Harbor, FL HUD Section 8 Payment Standards / SAFMR →ACS median is all-bedroom occupied rent. SAFMR is the 2-bedroom HCV benchmark.
Housing stock
ACS 2023 units-in-structure · ZCTA 34684
- 1-unit detached6,61346.2%
- 1-unit attached1,72212.0%
- 2–4 units1,3679.6%
- 5–49 units2,26815.9%
- 50+ units1,3189.2%
- Mobile1,0207.1%
2–4 unit share 9.6% · 5–49 unit share 15.9% · combined 2–49 25.4%.
Units by bedrooms
Rent burden
- ACS median gross rent $1,781 (all bedrooms, occupied rentals).
- Median contract rent $1,673.
- Renters paying ≥30% of income 65.4%; ≥50% 45.1%.
- FY2027 2BR SAFMR $2,070 (1.162× ACS median gross rent).
Population
26,926 residents · ACS 2023
Change versus the 2018 ACS 5-year estimate: -6.5%.
ACS 5-year estimates lag current construction. This is not a forecast.
Assisted inventory
- LIHTC: 1 projects, 232 units.
- HUD project-based assisted MF: not published for this ZIP.
- HCV household counts (Picture of Subsidized Households) are not on this page yet.
New apartment permits
About 2,703 new apartments in 5+ unit buildings may have been permitted in this ZIP’s share of the county. That is units (doors), not a building count.
Cities and counties report building permits to the Census. Apartment counts are for the whole county, not a project list in this ZIP.
What the data shows
ZIP 34684 28.3% of occupied households are renters; vacancy is 11.3%; ACS median gross rent is $1,781; population changed -6.5% between the 2018 and 2023 ACS vintages; the housing stock includes 1,367 units in 2–4-unit structures and 2,268 units in 5–49-unit structures; 1 LIHTC projects totaling 232 units; FY2027 2BR SAFMR is $2,070 versus ACS median gross rent of $1,781. These figures describe the underlying housing market, not the cash flow of any one property. Asking rents, expenses, condition, taxes, insurance, and the rent roll have to be underwritten separately.
Florida research
ZIP 34684 is a Census / HUD profile for Tampa-St. Petersburg-Clearwater, FL. Not a listing page. Brokerage is Georgia; out-of-state work is referral.
ZIP 34684 — Palm Harbor, FL HUD Section 8 Payment Standards / SAFMR·Florida ZIP directory
Nearby ZIPs in this FMR area
Census ZIP areas approximate mail ZIPs. Sources: Census ACS 5-year 2023, HUD FY2027 Small Area FMR, HUD LIHTC and assisted multifamily lists, Census building permits (county). This page is Florida research. Brokerage is Georgia.
FAQ
What is the housing market like in ZIP 34684?
ZIP 34684 (Tampa-St. Petersburg-Clearwater, FL MSA) has 26,926 residents, 12,686 households, a renter share of 28.3%, median household income of $67,542, and ACS 2023 median gross rent of $1,781. Vacancy is 11.3%. These are ZCTA estimates, not a property rent roll.
How much small multifamily housing is in 34684?
ACS counts 303 units in 2-unit buildings, 1,064 in 3–4 unit buildings, 960 in 5–9, 894 in 10–19, and 414 in 20–49. Combined 2–49 unit stock is 3,635 units. This is occupied-and-vacant stock, not listings for sale.
What is the Section 8 rent in 34684?
The Housing Choice Voucher benchmark is the FY2027 Small Area FMR. 2-bedroom SAFMR is $2,070. See the full schedule and 90–110% payment-standard band on the ZIP 34684 — Palm Harbor, FL HUD Section 8 Payment Standards / SAFMR.
Does this Florida ZIP profile include Georgia listings?
No. ZIP 34684 is Census / HUD research for Tampa-St. Petersburg-Clearwater, FL MSA. Jeff Crowe CRE does not list Florida property. Licensed brokerage is Georgia. If you use this stock table and then buy in Georgia, live FMLS Residential Income is on multifamily for sale in Georgia.