34695Safety Harbor, Florida

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 34695.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
Opportunity3115th of 6,210 ZIP areas measured55
Schools2589th of 4,422 ZIP areas measured45
Housing affordability3989th of 6,685 ZIP areas measured74
ClimateTop 12% of 6,789 ZIP areas measured82
Physical resilience4911th of 6,709 ZIP areas measured34
AccessTop 15% of 6,791 ZIP areas measured99
Economic stabilityTop 44% of 6,742 ZIP areas measured63
The quick read

Unemployment is 4.3% and median household income $95,238, putting employment conditions in the middle range of published ZIP profiles.

Physical-risk exposure is above the national median, driven mainly by hurricane, coastal flooding and lightning.

A major airport is 7 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
18,098
2024 ACS 5-Year
Median household income
$95,238
Top 22% nationally
Density
3,242/sq mi
5.6 sq mi of land
Median age
51.5
2024 ACS 5-Year
City
Safety Harbor
Florida
Metro area
Tampa-St. Petersburg-Clearwater, FL
Nearest major airport
PIE
7 mi · St Pete-Clearwater Intl
Median home value
$439,300
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.3% is lower than 56% of the 6,544 measured US ZIP areas.

Employment fell 0.9% over the past year, to 474,436 employed residents.

46% of adults hold a four-year degree, higher than 85% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$13,987$95,238Top 22%of 31,2952024 ACS 5-Year
Per capita income ±$6,914$58,191Top 12%of 32,8222024 ACS 5-Year
Poverty rate6.0%Bottom 25%of 32,9702024 ACS 5-Year
Average commute27.1 minBottom 47%of 32,8872024 ACS 5-Year
Bachelor's degree or higher46.1%Top 15%of 33,1932024 ACS 5-Year
Employment474,436Top 12%of 6,544June 2026
Employment change (3 years)-4.6%Bottom 4%of 6,542June 2026
Employment change (year over year)-0.9%Bottom 46%of 6,544June 2026
Labor force495,754Top 12%of 6,544June 2026
Labor force participation60.6%Top 50%of 33,2522024 ACS 5-Year
Mean annual wage$66,490Bottom 44%of 6,0722025 OEWS
Median annual wage$48,940Bottom 36%of 6,0722025 OEWS
Unemployment change (year over year)0.6%Top 27%of 6,544June 2026
Unemployment rate4.3%Bottom 44%of 6,544June 2026
Median household income, successive ACS releases
202120222023202498k92k
Each point is a separate five-year estimate, most recently $95,238 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Tampa-St. Petersburg-Clearwater, FL
OccupationPeople employedMedian annual wage
Retail Salespersons45,130$33,790
Registered Nurses38,720$85,470
General and Operations Managers35,700$103,670
Customer Service Representatives34,150$42,660
Fast Food and Counter Workers33,910$29,260
Cashiers25,820$30,290

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Safety Harbor, FL, the city containing this ZIP code.

52% of students met the state standard in mathematics and 51% in reading, across the schools here that reported results.

There are 17.5 students for every full-time teacher, more than in most measured places.

Public schools
2
2024-25 school year
Students per teacher
17.5
across all schools here
Math proficiency
52.5%
Top 49% in Florida
Reading proficiency
51.4%
Bottom 46% in Florida
SchoolDistrictStudentsPer teacherMathReading
SAFETY HARBOR MIDDLE SCHOOLPINELLAS95620.346%42%
SAFETY HARBOR ELEMENTARY SCHOOLPINELLAS58814.363%67%

42.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Florida’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,707 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
21.5%
Below the 30% cost-burdened threshold
Home price to income
4.6×
median home value ÷ median income
Median gross rent
$1,707
2024 ACS 5-Year
Median home value
$439,300
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income4.61Top 20%of 30,4042024 ACS 5-Year
Homeownership rate86.5%Top 27%of 32,9102024 ACS 5-Year
Housing units ±4078,162Top 20%of 33,7722024 ACS 5-Year
Median gross rent ±$97$1,707Top 15%of 26,6182024 ACS 5-Year
Median home value ±$22,860$439,300Top 17%of 30,9412024 ACS 5-Year
Rent as a share of income21.5%Top 27%of 26,4702024 ACS 5-Year
Vacancy rate8.2%Bottom 38%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 90°F and January a low of 53°F.

Normal annual precipitation is 53.6 inches.

Air quality measures a median index of 48, in the Good band, and about 3 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ST PETERSBURG INTL AP, 6.7 miles from this location.
Precipitation
JFMAMJJASOND9.7"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index60.02024 calendar year
Annual precipitation53.6"1991-2020 Normals
Average January low53°F1991-2020 Normals
Average July high90°F1991-2020 Normals
Comfortable months81991-2020 Normals
Days above AQI 10032024 calendar year
Median air quality index48.02024 calendar year
Seasonal temperature swing22°F1991-2020 Normals
Air quality
Median air quality index
48
Good on a typical day
Worst tenth of days
60
90th percentile index
Days above 100
3
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

34 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, coastal flooding and lightning.

LightningModerate
Coastal floodingElevated
HurricaneElevated

Low or minimal exposure: tornado, cold wave, inland flooding, heat wave, hail, wildfire, earthquake, strong wind, drought, landslide.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences — they say nothing about burglary, theft or assault.

Pinellas County records 3.0 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 11.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 22.8 per 100,000 residents in Pinellas County.

Homicide
3.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
11.9
per 100,000 residents · under 10 deaths
Drug overdose
22.8
per 100,000 residents · under 10 deaths
Suicide
17.3
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Pinellas County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 34695 rather than 34695 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

5 major airports lie within 100 miles, the nearest 7 miles away.

AirportCodeDistanceLongest runway
St Pete-Clearwater IntlPIE7 mi9,730 ft
Tampa IntlTPA10 mi11,002 ft
Lakeland Linder IntlLAL41 mi8,500 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

34695 vs Safety Harbor

How this ZIP area compares with Safety Harbor as a whole. Both figures come from the same ACS release, so the comparison is like for like.

34695
Safety Harbor
Median household income
$95,238
vs
$106,830
Per capita income
$58,191
vs
$58,981
Population density
3,242/sq mi
vs
3,458/sq mi
Median home value
$439,300
vs
$454,000
Median gross rent
$1,707
vs
$1,743
Homeownership rate
86.5%
vs
83.9%
Bachelor's degree or higher
46.1%
vs
48.6%
Poverty rate
6.0%
vs
6.1%
Median age
51.5
vs
49.8

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.