Safety Harbor, FL

Above Avg · 123

Florida · Population 17,040 · Updated March 2026

$1,719
Median Rent / Month
$105,813
Median Income
$433,300
Median Home Value
$1,493
Owner Costs / Month

Affordability

How far your income goes in Safety Harbor

19.5%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Florida

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.0%
Sales Tax
0.86%
Property Tax Rate

Estimated Annual Costs

$20,628
Annual Rent
$0
State Income Tax
$3,726
Property Tax (est.)

Cost of Living Overview

Safety Harbor has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 123 (where 100 equals the national median), Safety Harbor residents can expect to pay median rent of $1,719/month while earning a median household income of $105,813/year.

The median home value in Safety Harbor, FL is $433,300, with typical monthly owner costs around $1,493 including mortgage, insurance, and taxes. The median rent-to-income ratio of 19.5% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Florida has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.0% sales tax rate and 0.86% effective property tax rate, the overall tax environment helps keep costs manageable in Safety Harbor.

Frequently Asked Questions

Common questions about living costs in Safety Harbor

What is the cost of living in Safety Harbor, FL?
The cost of living index in Safety Harbor, FL is 123 (US average = 100). Median monthly rent is $1,719, median household income is $105,813/year, and the median home value is $433,300.
Is Safety Harbor, FL affordable?
No, Safety Harbor is more expensive than the national average with a cost index of 123. The rent-to-income ratio is 19.5%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Safety Harbor, FL?
The median gross rent in Safety Harbor, FL is $1,719 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $20,628.
What is the median household income in Safety Harbor?
The median household income in Safety Harbor, FL is $105,813 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Florida?
Florida has a top income tax rate of 0%, a sales tax of 6.0%, and an effective property tax rate of 0.86%. Notably, there is no state income tax.