Best Places34684, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 34684, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
34684 ranks 7,419th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and summer heat is the weak spot.
The best neighborhoods in 34684
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
34684's strengths and weaknesses
Where 34684 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Internet speedBetter than 94% of zip codes
- Crime safetyBetter than 90% of zip codes
- Nice weatherabout 151 pleasant days a year, better than 90% of zip codes
Where 34684 ranks low
- Heat safetyBetter than only 1% of zip codes
- Cheap car insuranceBetter than only 4% of zip codes
- Disaster safetyBetter than only 8% of zip codes
- Housing crash safetyBetter than only 27% of zip codes
- QuietBetter than only 28% of zip codes
What it costs to buy a home in 34684
A household needs to earn about $94,000 a year to comfortably buy the median 34684 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $81,377, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 34684's effective rate of 0.68%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 34684
34684 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 34684.
Who works in 34684, and how
Work in 34684 centers on health care & social and professional & technical. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 75%
- Work from home 21%
- Transit, walk, or bike 4%
Life in 34684
34684 has more restaurants and bars per resident than 67% of zip codes. The coast is about 6 minutes away. That concentrates in some parts of 34684 and thins out in others, which the map shows.
What the weather is like in 34684, month by month
34684 sees roughly 151 pleasant days a year. July highs average about 93 degrees. January highs sit near 73, with lows near 52. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 73° | 61° | 52° |
| April | 85° | 74° | 65° |
| July | 93° | 84° | 77° |
| October | 87° | 78° | 71° |
Flying in and out of 34684
The nearest airport, St Pete-Clearwater International, is about 12 miles away and is a small airport. The nearest major hub is Tampa International, about 14 miles away.
The best schools in and around 34684
Schools across 34684 average an A−, better than 87% of zip codes.
Top elementary schools
- Cypress Woods Elementary SchoolA+ · 84% proficient
- Brooker Creek Elementary SchoolA+ · 84% proficient
- Sutherland Elementary SchoolA+ · 75% proficient
Top middle schools
- Tarpon Springs Middle SchoolA · 60% proficient
- Joseph L. Carwise Middle SchoolA− · 58% proficient
- Palm Harbor Middle SchoolA− · 57% proficient
Top high schools
- Palm Harbor University HighA · 71% proficient
- East Lake High SchoolA− · 61% proficient
- Tarpon Springs High SchoolB · 47% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 34684 school and its grade on SchoolGrade.
34684 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 34684 against the other 33,109 zip codes.
Who 34684 suits
Remote workers
Internet is fast and widely advertised and 21% already work from home.
Retirees
The weather beats 90% of zip codes and health care access beats 73%.
Common questions about living in 34684
Is 34684 a good place to live?
Using BestNeighborhood's default rankings, 34684 ranks 7,419th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and fast internet, and lowest on summer heat and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 34684 expensive to live in?
The median home is worth $365,629. The overall cost of living runs about 8% below the national average. Set against a $81,377 median income, cost of living beats 66% of zip codes.
Is 34684 safe?
Yes, 34684 is safer than 90% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $123 per resident a year.
What is the weather like in 34684?
July highs average about 93 degrees, and January highs near 73 with lows near 52. That works out to about 151 pleasant days a year, more than 90% of zip codes.
Is 34684 good for families?
Schools beat 87% of zip codes, crime safety beats 90%, and childcare runs $1,048 a month.
Compare 34684 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 34684. Scores are absolute rather than ranked, which means a 60 in 34684 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
34684 detail on BestNeighborhood maps:
- Walk Grade for 34684: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 34684: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 34684: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 34684: carrier by carrier coverage behind the cell score.
34684 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.