The typical owner-occupied home in Safety Harbor is worth about $454,000, 26% above the Florida median of $359,000 and 36% above the national median of $332,700. Owners pay a median $2,836 a year in property taxes, about 0.62% of their home's value, lower than the Florida rate of 0.76%. The median household earns $106,830 a year, so the median home costs 4.2 times the median income (4.8 times for Florida). 84% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
Safety Harbor at a glance
| Safety Harbor | Florida | U.S. | |
|---|---|---|---|
| Median home value | $454,000 | $359,000 | $332,700 |
| Median property tax paid per year | $2,836 | $2,730 | $3,119 |
| Property tax as a share of value | 0.62% | 0.76% | 0.94% |
| Median household income | $106,830 | $74,568 | $80,734 |
| Homes lived in by their owners | 84% | 68% | 65% |
| Owner homes with a mortgage | 59% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,303 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 21.0% | 23.6% | 21.0% |
| Median rent | $1,743 | $1,669 | $1,413 |
| Rent as a share of renters' income | 25.9% | 35.2% | 30.6% |
| Median year homes were built | 1984 | 1988 | 1980 |
| Vacant homes | 9.0% | 14.7% | 10.1% |
| Population | 17,033 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Safety Harbor
At this week's average 30-year rate of 7.11%, buying the median Safety Harbor home of $454,000 with 20% down costs about $2,867 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,623, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $122,871 for the 20%-down payment. That payment is 32% of the median Safety Harbor household income of $106,830; at that income and 20% down, the 28% guideline points to a home of about $395,000.
The median rent here is $1,743 a month, so owning the median home costs about $1,124 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $90,800 |
|---|---|
| Loan amount | $363,200 |
| Principal and interest | $2,443 |
| Property taxes (0.62% a year) | $235 |
| Homeowners insurance (our estimate, 0.5% a year) | $189 |
| PMI | $0 |
| Total per month | $2,867 |
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| Down payment | $15,890 |
|---|---|
| Loan amount | $445,777 |
| Principal and interest | $2,999 |
| Property taxes (0.62% a year) | $235 |
| Homeowners insurance (our estimate, 0.5% a year) | $189 |
| FHA mortgage insurance | $201 |
| Total per month | $3,623 |
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Questions about home buying in Safety Harbor
What is the median home value in Safety Harbor?
About $454,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Safety Harbor?
Homeowners pay a median $2,836 a year, which is about 0.62% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Safety Harbor?
For the median home with 20% down at 7.11%, the payment is about $2,867 a month. Keeping that under 28% of gross income takes about $122,871 a year.
More about Safety Harbor
- Mortgage Refinance in Safety Harbor
- Debt Relief in Safety Harbor
- Home Equity Loans in Safety Harbor
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data