The Town FilesHarbor Bluffs, Florida
Community in Pinellas County · population 2,646 (2020 Census)
- Median home
- $673,100
- Household income
- $140,972
- Jan low / Jul high
- 53° / 90°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 75
- Median age
- 50.1
Harbor Bluffs is a community of 2,646 people in Pinellas County, Florida. The median home is worth $673,100, above the typical Florida town ($331,600). It ranks more of a college town than 100% of Florida towns, better for families than 89% of Florida towns, more walkable than 87% of Florida towns.
How Harbor Bluffs ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in Harbor Bluffs is worth $673,100, above the typical Florida town ($331,600). Homes cost about 4.8 times the median household income of $140,972, which is more affordable than 44% of Florida towns. 93.2% of households own their home.
| Housing | Harbor Bluffs | Typical Florida town |
|---|---|---|
| Median home value | $673,100 | $331,600 |
| Median rent | — | $1,569 |
| Median household income | $140,972 | $71,140 |
| Home value ÷ income | 4.8× | 4.5× |
| Homeownership | 93.2% | 73.5% |
| Median year built | 1964 | 1985 |
| Seasonal / vacation homes | 3.2% | — |
Who lives in Harbor Bluffs
| People | Harbor Bluffs | Typical Florida town |
|---|---|---|
| Median age | 50.1 | 42.8 |
| Age 65 and over | 23.5% | 20.2% |
| Under 18 | 16.5% | — |
| Bachelor's degree or higher | 46.2% | 28.8% |
| Below the poverty line | 4.2% | 11.3% |
| Veterans | 7.1% | — |
| Born outside the U.S. | 10.3% | — |
| Work from home | 16.1% | 13.5% |
| Average commute | 25.5 min | 27.5 min |
| Homes with broadband | 90.9% | 92.4% |
Weather in Harbor Bluffs
July highs average 90.3°F and January lows 52.5°F. About 53.6 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 94 days a year at 90°F or hotter and 0 nights at or below freezing.
Tornadoes, storms and disasters
75 tornadoes have passed within 10 miles of Harbor Bluffs since 1950, compared with 35 for the typical Florida town. 12 rated (E)F2 or stronger. The strongest, an F4, struck on April 4, 1966 about 1.8 miles from the town center and killed 3. Tornadoes within 10 miles have caused 11 deaths and 300 injuries since 1950. The most recent was on June 25, 2025.
Hail of 1 inch or larger has been reported within 10 miles 18 times; the largest was 1.75 inches on August 19, 2002.
Severe weather in Pinellas County since 1996
Pinellas County has been included in 45 federal disaster or emergency declarations since 1953, most often for fire, tornado, freezing.
| Declared | Incident | Declaration |
|---|---|---|
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| September 28, 2024 | Hurricane | DR-4828: Hurricane Helene |
| September 24, 2024 | Tropical Storm | EM-3615: Tropical Storm Helene |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
Jobs and pay in Pinellas County
Pinellas County had 447,680 jobs in 2024, paying an average of $67,519 a year. Unemployment was 2.8% in 2023; in Harbor Bluffs itself the ACS puts it at 5.2%.
Towns near Harbor Bluffs
- Indian Rocks Beach, FL1.5 mi · 3,673 people · home $738,800
- Ridgecrest, FL1.8 mi · 2,966 people · home $303,400
- Belleair, FL2.1 mi · 4,273 people · home $633,300
- Largo, FL3.2 mi · 82,485 people · home $229,100
- Seminole, FL5.2 mi · 19,364 people · home $348,500
- Bardmoor, FL5.7 mi · 9,852 people · home $334,700
- Clearwater, FL6.0 mi · 117,292 people · home $361,300
- Bay Pines, FL7.0 mi · 3,106 people · home $287,000
Harbor Bluffs questions
Is Harbor Bluffs, Florida a good place to retire?
On The Town Files lifestyle rankings, Harbor Bluffs scores better for retirees than 77% of Florida towns and quieter than 28%. 23.5% of residents are 65 or older (median age 50.1).
How much does a house cost in Harbor Bluffs?
The median owner-occupied home in Harbor Bluffs is valued at $673,100 (Census ACS 2020–2024), against a median household income of $140,972, so homes cost about 4.8 times income. Median rent is — a month.
What is the weather like in Harbor Bluffs?
July highs average 90.3°F and January lows 52.5°F (NOAA 1991–2020 normals). It gets about 53.6 inches of precipitation a year and 0.0 inches of snow.
Does Harbor Bluffs get tornadoes?
75 tornadoes have passed within 10 miles of Harbor Bluffs since 1950 (NOAA Storm Events); the strongest was a F4 on April 4, 1966. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)