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Place dossier plate
SheetFL-HARBOR-BLUFFS-FL · Harbor Bluffs, FL 3,020 pop · income 90th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Harbor Bluffs
Lowest/highest poles plus peers nearest Harbor Bluffs on median household income. Full ladder: /browse and /rankings.
median HH income
Vivian · lowest
22,675
Vivian · lowest
22,675 median HH income
9.1% of the leader · rank #1
Highland Lakes · near
129,500
Highland Lakes · near
129,500 median HH income
51.8% of the leader · rank #2
Briarcliff · near
129,524
Briarcliff · near
129,524 median HH income
51.8% of the leader · rank #3
Edgewater · near
129,542
Edgewater · near
129,542 median HH income
51.8% of the leader · rank #4
Harbor Bluffs · this city
129,569
Harbor Bluffs · this city
129,569 median HH income
51.8% of the leader · rank #5
North Garden · near
129,583
North Garden · near
129,583 median HH income
51.8% of the leader · rank #6
Greens Farms · highest
250,001
Greens Farms · highest
250,001 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Harbor Bluffs on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 3,020.
Measured against every US city with at least 1,000 residents, Harbor Bluffs lands in the 90th percentile for household income. Source: Census ACS.
90th
percentile, household income
87th
percentile, home value
73rd
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Harbor Bluffs, FL
Census ACS 2023 estimates count 3,020 residents in Harbor Bluffs, a small town within Florida. Harbor Bluffs households earn a median of $129,569 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 0.0%. Typical homes in Harbor Bluffs are valued around $553,800, and the median resident age is 48.7 years. Educational attainment runs 46.6% of adults with a bachelor's degree or higher. Separately, 52.0% of working-age residents are in the labor force.
Florida carries a cost-of-living premium: the state registers 103.4 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. HUD Fair Market Rent for a typical two-bedroom in this state is $1,526 per month. Statewide, average monthly utility bills in Florida run around $225, per EIA 2023 residential energy data. The average commute for Harbor Bluffs workers runs 22.0 minutes, with 74.0% driving alone and 12.5% working from home. FEMA's National Risk Index rates natural-hazard exposure at 75.7 out of 100 (High).
A decision-led reading path
Useful questions to ask of Harbor Bluffs's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from housing and income to comparison shortlist to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Harbor Bluffs, city-specific coverage includes commute-mode shares.
No matched row is reported here for annual population history, local building permits, matched public-school count, within-city Census tract profiles, FBI reported-crime rates; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
How far does income reach against housing in Harbor Bluffs?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 4.3 times median household income. The ACS poverty estimate is 0.0%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
Which cities make useful reference points for Harbor Bluffs?
Within Florida, the closest population matches are Bal Harbour (3,021 residents, $91,061 income); Malabar (3,017 residents, $123,345 income); Indialantic (3,033 residents, $90,991 income). Outside the state, the closest population matches in this dataset are Brownstown, IN (3,020 residents); Vivian, LA (3,020 residents); Minden, NE (3,020 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
What does the journey to work look like in Harbor Bluffs?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Driving alone is the largest reported mode at 74.0%. The reported mean trip to work is 22.0 minutes.
Top-decile income · poverty 0.0% (Very low poverty)
Cost of Living Index (state)
103.4 (US=100)
Above-average cost · BEA RPP 2024, Florida average
B+
City profile score · Harbor Bluffs, FL
75/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Poverty rate A+
0.0%
Share of residents below the poverty line; lower scores better on this axis.
Household income A+
$129,569
Median household income vs U.S. cities (pop ≥1,000); ACS.
Bachelor's+ share A-
46.6%
Adults with a bachelor's degree or higher; ACS.
Cost of living F
103.4 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Harbor Bluffs profile (scored ACS/FBI dimensions)Read the chart values
Poverty rate: 100/100 (A+) · 0.0%
Household income: 90/100 (A+) · $129,569
Bachelor's+ share: 81/100 (A-) · 46.6%
Cost of living: 25/100 (F) · 103.4 index
How does Harbor Bluffs compare to other US cities?
Here's how Harbor Bluffs stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.
Household income90% higher than other cities
Home value87% pricier than other cities
Median rent73% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Harbor Bluffs against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.
Florida-relative analysis
Median Gross Rent places Harbor Bluffs near the bottom of Florida's cities
Among the 930 Florida cities PlainCities tracks with reported median gross rent data, Harbor Bluffs ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Harbor Bluffs only against its own state's cities, not the full US field.
Median Household Income
#53 of 903
94th percentile in Florida
Median Gross Rent
#1 of 930
0th percentile in Florida
Median Home Value
#114 of 894
87th percentile in Florida
Poverty Rate
#855 of 930
0th percentile in Florida
Bachelor's Degree or Higher
#174 of 930
81st percentile in Florida
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.
Gauge source note
90th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Harbor Bluffs's home value compares nationally
Median home value vs. every US city (population 1,000+)
$553,80013th percentilemore affordable than 13% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Harbor Bluffs's home-value-to-income ratio: 4.3×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#11,457 of 15,516
More affordable than 26% of tracked cities (pop. 1,000+)
Size class
#8,844 of 11,323
Micro cities (under 10,000)
At 4.3×, Harbor Bluffs sits in the moderate band:
national rank #11,457 of 15,516 and #8,844 of 11,323micro cities (under 10,000).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$129,569Harbor Bluffs, FL median household income (Census ACS)
Show U.S. national quintile / Lorenz context Harbor Bluffs, FL median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Harbor Bluffs, FL.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)46.6%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)0.0%
Census ACS S1701, poverty status
Labor force participation (adults 16+)52.0%
Census ACS S2301, share of working-age residents in the labor force
Population
3,020
Median Income
$129,569
Median Home Value
$553,800
Median Age
48.7
Poverty Rate
0.0%
Labor force participation
52.0%
Bachelor's Degree+
46.6%
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Average Commute Time
22.0 minutes
Drive Alone
74.0%
Carpool
8.1%
Public Transit
0.0%
Walk
0.0%
Work from Home
12.5%
Other
5.4%
Based on 1,390 workers 16 and over.
Monthly Utility Costs
Florida statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Florida at $225 (electricity about $145 , water and sewer about $55 ).
These are Florida statewide averages, not a meter reading for Harbor Bluffs. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Florida's BEA cost-of-living index is 103.4 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Harbor Bluffs is $1,526/mo. FEMA's National Risk Index, averaged to Florida statewide on PlainCities, rates natural-hazard exposure at 75.7 / 100 (High).
Cost/risk geography note
Cost of living is a Florida statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Harbor Bluffs sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Harbor Bluffs compares to similar-size Florida cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.