Retiring in Palm Harbor, FL

Retirement city profile: climate, cost of living, healthcare, safety and more

90°/53°

Climate (Summer/Winter)

$401,626

Housing (Typical Value)

Is Palm Harbor Right for Your Retirement?

With a reported population of 61,454, Palm Harbor offers a smaller-city setting for retirement planning. This profile brings its climate, housing, reported crime, healthcare access, walkability and natural hazard exposure into one view so you can evaluate the tradeoffs.

Potential Strengths

Moderate city size
Low wildfire risk
Low earthquake risk

Potential Tradeoffs

Hot summers
Wet climate
Elevated riverine flooding risk
Elevated coastal flooding risk
Elevated tornado risk
Elevated hurricane risk

Potential advantages. FEMA and NOAA assign lower risk designations to wildfire and earthquake.

Potential tradeoffs. The average June through August high is 90°F. Annual precipitation is 54.3 inches. FEMA and NOAA assign elevated risk designations to riverine flooding, coastal flooding, tornado and hurricane.

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Climate

Summer high (Jun-Aug avg)90°F

Winter low (Dec-Feb avg)53°F

Annual snowfall0"

Annual precipitation54.3"

Housing & Cost of Living

Typical home value (ZHVI)$401,626near the US median of $371,774

Median gross rent$1,733/mo24% above the $1,400/mo US median

Safety (Reported Crime)

Crime dataNot available for this city

Healthcare Access

Nearest hospitalFlorida Hospital North Pinellas (3.2 mi)

Hospital qualityNot Rated (CMS)

Primary care accessStrong (1,095 residents/physician)

Walkability

EPA Walkability Index10.7/20 (Above Average)

Population & City Size

Population61,454Classified as a smaller city

Elevation26 ft

Natural Disaster Risk

Riverine floodingRelatively High

Coastal floodingVery High

TornadoVery High

HurricaneVery High

WildfireRelatively Low

EarthquakeRelatively Low

Ice stormsN/A

TsunamiN/A

Sources & Freshness

Crime: FBI UCR/NIBRS · Climate: NOAA Climate Normals · Natural disaster risk: FEMA National Risk Index & NOAA · Hospital location & distance: HIFLD · Hospital quality rating: CMS Hospital Compare · Primary care access: HRSA county-level provider data · Home value: Zillow Home Value Index (ZHVI) · Rent: Census ACS place-level data · Population & elevation: US Census Bureau · Walkability: EPA National Walkability Index.
National median/average figures used for comparison (home value, rent, crime, precipitation) are recalculated annually from the same source datasets above.
Data last refreshed: August 2026.
Figures are comparative indicators and may not reflect neighborhood-level conditions. Confirm current housing, healthcare and hazard information with the cited sources before making a relocation decision.

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