Is Palm Harbor a Nice Place to Live?

Which Florida cities are the best for folks thinking about moving? Learn all about Palm Harbor and why it is a solid option for folks considering moving to Florida.
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Is Palm Harbor a Nice Place to Live?
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If you are looking at the possibility of moving to Florida, you may be trying to explore exactly where in the state that you’d like to be. How can you be sure that you’ll be happy there? What do you need to know?

Many people are considering Palm Harbor, FL as a place to move for work, retirement, or any other number of reasons. Is Palm Harbor a nice place to live? We’re going to explore to find out.

Moving Costs

moving cost calculator is always your best bet when you are looking at moving costs, but there are some things that you can consider when looking at moving costs. These include:

  • How far you live from Palm Harbor, FL.
  • How much you’ll be taking with you.
  • Where you’re moving in Palm Harbor.
  • And more.

Your best bet is to always shop around for the best moving quotes and plan accordingly so that you can reduce costs and ensure that you’re happy with wherever you end up moving.


As you may expect, there are a lot of married couples and families located in and around the Palm Harbor area. It’s a suburban area with around 60,000 people, and most of the population is over the age of 50.

Cost of Living

The cost of living in Palm Harbor is on average with much of the rest of the country. You can expect to make anywhere between $45,000 and $60,000 a year, on average.

Most people work in healthcare or senior care, as you may expect. Hospitality is also another big employer for people who live in the region.

Average home costs are around $200,000. If you’re moving to the East side of the lake, which is still growing, you may end up finding a home for less than that. On top of that, rent is around $1,100 per month for a typical 2 bedroom home.

You will be paying a little more for things like going out for meals or other entertainment because Palm Harbor has the same sorts of issues that much of the rest of Florida has – tourist prices. But grocery costs and other costs are on par with what you see in other parts of the country.


As with most of Florida, you’re going to expect a lot of humidity, all year long. But, with its proximity to water, you’ll find that temperatures are cooler than what you may find in other parts of the state. On average, you’ll see around 84-87 degree temperatures in Palm Harbor, FL during the summer months.

During the winter, it’s typically in the ’60s and 70’s. so it’s very comfortable. They don’t get any snow in the winter, but hurricanes (high winds, severe thunderstorms, flooding, etc) that go through the Gulf of Mexico will often hit Palm Harbor FL on their way through.


Education is a big deal in Palm Harbor, Palm Harbor University High School is one of the best high schools in the country. Even the other high schools in the area have some of the highest graduation rates/success rates in the country as well. So, if you’re a parent, this is a great place to take your kids and help them to succeed academically.

On top of that, Central Florida Institute is also located here, and the Tampa colleges and universities aren’t too much of a commute from Palm Harbor, either.

Many of the higher education institutions have all sorts of educational opportunities available for continuing education and such, so you’re sure to find something that can help you to expand your mind. There is a ton of choice in education, which makes it an amazing place to live for many people.

Things to Do and Enjoy

If you like the beach and the outdoors, you are likely going to thoroughly enjoy living in or around Palm Harbor. There are multiple State Parks within a short distance, and plenty of beaches to go to. You’re also not far from Clearwater Beach (about a 20-minute drive), which is considered one of the nicest beaches to visit in the country. 

Do you enjoy city life? You can find that, too! You’re about an hour’s drive outside of Tampa, which means that you can go downtown when you want and take a look at what There are plenty of places to go out to eat with your family in Palm Harbor itself and all sorts of tourist things that you can enjoy, as well.

Frequently Asked Questions

Why do seniors like moving to Florida?

There are a handful of reasons that senior citizens decide to move to Florida instead of other parts of the country.

The climate is a big reason that senior citizens love it. Plus, there are a lot of things to do. Retirement communities in this part of the country are thriving, allowing seniors to really enjoy the time that they spend here. Plus, it’s a great place for kids to visit, and grandkids can have a great time.

I’ve heard that you don’t pay income tax in Florida. Is that true? 

Absolutely! While you’ll still have to pay federal income tax, you won’t have to pay any sort of income tax to the state of Florida. You do have a slightly higher sales tax as a result of this, but most people prefer that overpaying on their IRA’s and 401k’s when they take them out of the bank. 

Is hurricane season that bad?

It all depends on how you prepare and what part of the state that you live in. Palm Harbor is near the Gulf of Mexico, so you may get hit with a couple of them a year.


If you’re looking for a new place to live, whether because of retirement or looking for new opportunities, Palm Harbor, Florida, is a solid place to consider. Look into your options in this lovely town and see what it is that you’ll like about living in this part of Florida.

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