Harbor Bluffs, FL
Population 3,020 · Florida
About Harbor Bluffs, FL
Harbor Bluffs is a small town located in Florida with a population of 3,020 residents according to the latest US Census Bureau American Community Survey data. The median household income is $129,569 per year, which is 72% above the national median of $75,149. The median age of 48.7 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Harbor Bluffs features a median home value of $553,800, which is 126% above the national median of $244,900. This places Harbor Bluffs in a higher-cost housing market, where property demand often outpaces supply. Median monthly rent is $3,501, 201% above the national average of $1,163/month. Of the 1,197 total housing units, 89% are owner-occupied (967 units) and 11% are renter-occupied (125 units). The high homeownership rate suggests a stable, established residential community.
Economy & Employment
The local economy in Harbor Bluffs shows an unemployment rate of 5.8%, which is significantly above the national rate of 3.7%, suggesting economic challenges in the area. The poverty rate stands at 4.1%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Harbor Bluffs have an average one-way commute time of 25.2 minutes.
Education & Demographics
46.6% of Harbor Bluffs residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This significantly higher educational attainment rate often correlates with access to knowledge-economy jobs and higher household incomes. The community's demographic composition includes 0.0% White, 1.1% Hispanic or Latino, 0.0% Black or African American, and 0.9% Asian residents, with 8.2% of the population being foreign-born.
Cost of Living in Harbor Bluffs, FL
Compared to national averages, Harbor Bluffs has a median household income of $129,569 (72% above the national median of $75,149). Home values average $553,800, which is 126% above the national median. Monthly rent at $3,501 is 201% above the US average of $1,163. Within Florida, Harbor Bluffs's income is 71% above the state average of $75,893, and home values are 57% above the state median of $353,675.
Why Live in Harbor Bluffs, FL?
Harbor Bluffs offers a strong local economy with a median household income of $129,569, well above the national average, and a well-educated community where 46.6% of residents hold a bachelor’s degree or higher, and a low poverty rate of 4.1%, better than the national average.
Potential considerations include a competitive housing market where the typical home costs $553,800. However, Harbor Bluffs’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Harbor Bluffs has a population of 3,020 with a median age of 48.7 years. Compare Harbor Bluffs with other cities to see how it stacks up, or explore all cities in Florida.
Similar Cities Near Harbor Bluffs
Cities in Florida with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Bal Harbour | 3,021 | $91,061 | $1,277,200 | Compare |
| Malabar | 3,017 | $123,345 | $441,700 | Compare |
| Indialantic | 3,033 | $90,991 | $568,100 | Compare |
| Windermere | 3,034 | $156,042 | $906,600 | Compare |
| North Sarasota | 3,041 | $73,099 | $223,900 | Compare |
| Holmes Beach | 3,042 | $99,063 | $667,800 | Compare |
| Hilliard | 2,993 | $59,949 | $216,100 | Compare |
| Dade City North | 3,049 | $50,443 | $178,500 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Florida
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Harbor Bluffs With Other Cities
Frequently Asked Questions about Harbor Bluffs
What is the population of Harbor Bluffs, FL?
The population of Harbor Bluffs, FL is 3,020 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in Florida.
What is the median household income in Harbor Bluffs?
The median household income in Harbor Bluffs, FL is $129,569 per year, which is 72% above the national median of $75,149.
What is the median home value in Harbor Bluffs?
The median home value in Harbor Bluffs, FL is $553,800, which is 126% above the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Harbor Bluffs?
The median monthly rent in Harbor Bluffs, FL is $3,501, which is 201% above the national average of $1,163/month.
What is the unemployment rate in Harbor Bluffs?
The unemployment rate in Harbor Bluffs, FL is 5.8%, compared to the national average of 3.7%. Job seekers may want to research the dominant industries in the area.
Is Harbor Bluffs, FL a good place to live?
Harbor Bluffs offers above-average incomes, a competitive housing market, and growing employment opportunities. With a population of 3,020 and a median age of 48.7, the city appeals to established professionals and retirees.
How educated is Harbor Bluffs, FL?
46.6% of residents in Harbor Bluffs aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This above-average educational attainment often reflects a knowledge-based local economy.
What is the cost of living in Harbor Bluffs?
Key cost-of-living indicators for Harbor Bluffs, FL: median home value is $553,800 (126% above national), median rent is $3,501/month, and median household income is $129,569. The home-value-to-income ratio is 4.3x, a moderate figure by national standards.
What is the poverty rate in Harbor Bluffs?
The poverty rate in Harbor Bluffs, FL is 4.1%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Harbor Bluffs, FL?
Harbor Bluffs's population is 0.0% White, 1.1% Hispanic or Latino, 0.0% Black or African American, 0.9% Asian, and 1.3% two or more races. 8.2% of residents are foreign-born.