Harbor Bluffs, Florida Demographics & Population 2026
Demographic data: ACS 2020–2024 five-year estimates. Sources and methodology
During the 2020–2024 ACS period, Harbor Bluffs, Florida had a total population of 3,076, the 592nd largest community in Florida, with a median household income of $140,972, which is 89% higher than the state average. The poverty rate is 4.2%.
Key Takeaways
- Household income is 89% above the state average — one of the wealthiest communities in Florida.
- An exceptionally low poverty rate of 4.2% — among the lowest in Florida.
Harbor Bluffs Quick Facts
How Harbor Bluffs Changed
Change from the non-overlapping 2015–2019 ACS period to 2020–2024. Earlier dollar figures are adjusted to 2024 dollars; changes marked “no clear change” are within the combined 90% margins of error.
| Metric | 2015–2019 | 2020–2024 | Change |
|---|---|---|---|
| Population | 2,866 | 3,076 | No clear change (+7.3%) |
| Median household income | $115,008 | $140,972 | No clear change (+22.6%) |
| Median home value¹ | $478,253 | $673,100 | +40.7% |
How Harbor Bluffs Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Detailed income brackets
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
- White: 86.5%
- Black: 2.1%
- Hispanic: 4.1%
- Asian: 0.5%
- Other: 0.5%
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 65 | National average: 61
Education
Educational Attainment (Adults 25+)
- < High School: 1.4%
- HS Diploma: 20.2%
- Some College: 21.5%
- Associate's: 10.6%
- Bachelor's: 29.5%
- Graduate+: 16.7%
Harbor Bluffs Rankings in Florida
Explore Florida Rankings
Other Cities in Pinellas County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| St. Petersburg | 262,732 | $75,192 | 12.4% | $371,100 |
| Clearwater | 117,247 | $66,381 | 14.8% | $361,300 |
| Largo | 82,617 | $62,096 | 13.1% | $229,100 |
| Palm Harbor | 61,512 | $78,935 | 10.3% | $405,300 |
| Pinellas Park | 53,560 | $63,432 | 12.9% | $278,900 |
| Dunedin | 36,062 | $74,477 | 8.2% | $396,000 |
| East Lake | 33,283 | $99,333 | 6.2% | $488,000 |
| Tarpon Springs | 25,791 | $79,529 | 10.0% | $340,700 |
| Lealman | 20,567 | $45,308 | 15.6% | $196,400 |
| Seminole | 19,396 | $75,774 | 9.4% | $348,500 |
Cities Similar to Harbor Bluffs
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Malabar | 3,066 | $128,698 | $451,100 | 40.1% | 3.0% |
| Windermere | 3,086 | $177,778 | $987,500 | 72.7% | 1.3% |
| Geneva | 3,441 | $132,981 | $520,400 | 48.8% | 0.6% |
| Lake Helen | 2,918 | $116,250 | $441,200 | 27.6% | 6.9% |
| Indialantic | 3,065 | $104,184 | $604,200 | 69.0% | 10.2% |
Population Overview
Harbor Bluffs is a small community located in Florida, within Pinellas County. The total population is 3,076. It ranks as the 592nd most populous out of 955 Census-designated places in Florida.
Age Demographics
The median age in Harbor Bluffs is 50.1 years. This is 18% higher than the state median of 42.6 years.
Economy, Income & Housing
The median household income in Harbor Bluffs is $140,972. This is 89% higher than the state median of $74,568. It is also 75% higher than the national median of $80,734. The poverty rate stands at 4.2%. This is 67% lower than the state poverty rate of 12.6%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The unemployment rate is 5.2%. This is 7% higher than the state rate of 4.8%. The median home value is $673,100. Housing costs are 87% higher than the state median of $359,000. The home-value-to-income ratio is 4.8x. 93.2% of occupied housing units are owner-occupied. This homeownership rate is 38% higher than the state average of 67.6%.
Race & Ethnicity
Harbor Bluffs has a predominantly White (non-Hispanic) population, comprising 86.5% of all residents. Hispanic or Latino residents account for 4.1%. The White (non-Hispanic) population is significantly higher than the state average (86.5% vs 50.4%). The Black or African American population (2.1%) is well below the state average of 14.6%. The Hispanic or Latino population (4.1%) is well below the state average of 27.4%. The Asian population (0.5%) is well below the state average of 2.9%.
Education
46.2% of residents aged 25 and older hold a bachelor's degree or higher. This is 35% higher than the state rate of 34.2%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 98.6%. Notably, 16.7% of adults hold a graduate or professional degree, indicating a highly educated workforce.
Data Sources & Methodology
All demographic data for Harbor Bluffs, Florida is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Florida state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 955 Census-designated places in Florida. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
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Frequently Asked Questions
What is the population of Harbor Bluffs, Florida?
Harbor Bluffs, Florida has a population of 3,076 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Harbor Bluffs, FL?
The median household income in Harbor Bluffs is $140,972, which is 75% higher than the national median of $80,734.
What is the poverty rate in Harbor Bluffs, FL?
The poverty rate in Harbor Bluffs is 4.2%. This means approximately 128 residents live below the federal poverty line.
What is the racial makeup of Harbor Bluffs, Florida?
Harbor Bluffs's population is 86.5% White, 2.1% Black, 4.1% Hispanic/Latino, and 0.5% Asian.
What is the median home value in Harbor Bluffs, FL?
The median home value in Harbor Bluffs is $673,100. The home-value-to-income ratio is 4.8x.
How educated is Harbor Bluffs, Florida?
46.2% of adults (25+) in Harbor Bluffs hold a bachelor's degree or higher, and 16.7% hold a graduate or professional degree.