Cost of living in Safety Harbor, FL — Housing, Rent & Index

The median home value in Safety Harbor, FL is $496,995 as of 2026-04. That places Safety Harbor above the US average for housing cost, with a cost index of approximately 140 versus a national baseline of 100.

Over the past 12 months, the median home value in Safety Harbor has fallen 2.0%, and over the past five years it has averaged +5.5% annual growth. The current price sits -6.4% from its 5-year peak in 2024-05.

Renters pay a median of $2,290 per month in Safety Harbor. Rents have changed +10.8% over the last year and averaged — per year over five years.

Beyond housing, day-to-day costs in Safety Harbor are shaped by state and local taxes, utility rates, transportation, and groceries. This page focuses on the housing component, which is the largest single line in most household budgets and the easiest to compare across cities using consistent national data.