Is Harbor Bluffs, FL a Good Place to Live?
Harbor Bluffs is a small town of 2,889 in Florida, with a median household income of $108,403 and a 9.6% unemployment rate. Its cost of living index is 103 (US average = 100), which is 3% above the national average.
Strengths: Harbor Bluffs stands out for a well-educated population, short average commutes.
Trade-offs: Potential downsides include high home prices, an elevated unemployment rate. Whether Harbor Bluffs is right for you depends on your priorities — the full breakdown is below.
All Harbor Bluffs city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 103.4Harbor Bluffs's overall cost of living index is 103.4, where 100 represents the US national average. Living in Harbor Bluffs costs roughly 3% more than the average American city.
| Metric | Harbor Bluffs, FL | National Avg |
|---|---|---|
| Median Home Value | $479,800 | $244,900 |
| Median Monthly Rent | N/A | $1,163 |
| Homeownership Rate | 85.2% | 65.9% |
| Median Household Income | $108,403 | $74,755 |
Crime & Safety
Very SafeHarbor Bluffs's violent crime rate is 206.3 per 100,000 residents — 46% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
| Metric | Harbor Bluffs, FL | National Avg |
|---|---|---|
| School District | N/A | — |
| Elementary Schools | N/A | — |
| Middle Schools | N/A | — |
| High Schools | N/A | — |
| Student/Teacher Ratio | N/A | 16:1 |
| Bachelor's Degree or Higher | 46.6% | 35.4% |
| High School Diploma or Higher | 93.0% | 91.1% |
Weather & Climate
Harbor Bluffs sees average highs of 70.6°F in January and 90.3°F in July, with 56.1 inches of annual precipitation .
| Metric | Harbor Bluffs, FL |
|---|---|
| Average High — January | 70.6°F |
| Average High — July | 90.3°F |
| Annual Precipitation | 56.1" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Harbor Bluffs, FL | National Avg |
|---|---|---|
| Population | 2,889 | — |
| Median Age | 48.5 | 38.9 |
| Unemployment Rate | 9.6% | 3.7% |
| Avg Commute Time | 20.4 min | 26 min |
| White (non-Hispanic) | 92.6% | 59.3% |
| Black or African American | 0.0% | 13.6% |
| Hispanic or Latino | 3.4% | 18.9% |
| Asian | 1.7% | 6.3% |
| Under 18 | 17.9% | 22.2% |
| 65 and over | 20.7% | 16.8% |