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The 10 Best Assisted Living Facilities in Clearwater, FL for 2024

Clearwater is a Gulf Coast city that’s popular with seniors. This was confirmed by the 2020 census, which found 22.5% of its 117,000 residents are aged 65 and older. For comparison, the national average is 16.5%. The city’s beach, famed for its powdery white sand, is one of the draws, but there are others. The downtown area has many entertainment venues, such as the historic Capitol Theatre — which is renowned for its great acoustics — and vibrant shopping experiences, including The Market Marie.

There is an abundance of assisted living facilities in Clearwater. They’re suitable for seniors who find living at home increasingly challenging. Although each facility is unique, common features include staff trained to help seniors struggling with daily routines, such as personal grooming and housekeeping. The typical monthly fee for a placement in Clearwater is $3,350, which is more affordable than normal for Florida, where the average senior pays around $4,000.

This guide considers the advantages and disadvantages of living in Clearwater and compares the costs of assisted living with some nearby cities. It also looks at costs for other types of senior care and lists some useful resources for seniors in residential care facilities.

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Assisted Living Facilities in Clearwater, Florida

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What to Consider About Assisted Living in Clearwater

The Florida Agency for Health Care Administration issues licenses to assisted living facilities that satisfy all of its requirements. These include the owner passing an ALF Director’s course and a level 2 FBI background check. The facility must be properly staffed for its resident capacity and obtain all the required fire safety, insurance and health and safety compliance documents.

Benefits and Drawbacks of Assisted Living in Clearwater

  • The Transportation Disadvantaged Program offers qualifying seniors a low-cost way of getting around Pinellas County. To be eligible, the senior must be a county resident, have an income no more than 150% of the Federal Poverty Level and have no other way to get transportation. For $11, seniors can get an unlimited pass to ride the PTSA’s wheelchair-accessible buses. There is also a door-to-door service that costs $3 per one-way trip.
  • According to Sperling’s Best Places, Clearwater’s healthcare cost index of 101.4 is above the state and national averages. However, when accounting for a range of living costs, the city has an index of 98.3, which is much lower than the state average of 102.8. 
  • Florida’s sunny days contribute to the state’s attraction for seniors, and Clearwater doesn’t disappoint, with 240 of them per year. Temperatures range from a pleasantly cool 52 degrees in January to a comfortably warm 90 degrees in July. Precipitation, which includes around 51 inches of rainfall annually, happens on about 105 days per year, watering the city’s green parks, lush lawns and plentiful trees.
  • Clearwater has a better-than-average health cost index of 98.5. This is due to a combination of factors, such as having very good air quality and more Medicare-registered physicians than normal for a city of its size. Clearwater also scores highly for its environmental work as an active participant in the EPA’s Superfund program.
  • Crime in Clearwater is slightly above average for Florida and relatively in keeping with the medians for property and violent crime across the country. Generally, neighborhoods furthest from Old Tampa Bay and coastal areas experience lower levels of crime. 
  • Florida’s reputation as a tax-friendly state for retirees is well-earned. The state doesn’t tax retirement incomes, which includes Social Security benefits, pensions and IRAs, and it doesn’t have an inheritance tax or estate tax. Seniors who want more specific tax information relating to their finances should contact the nearest taxpayer service center in Tampa. 

Paying for Assisted Living in Clearwater

According to the 2021 Genworth Cost of Care Survey, Clearwater is one of the more affordable cities in Florida for assisted living. Its seniors typically save $650 per month when compared to the state median and $1,150 when measured against the national average.

The Cost of Assisted Living in Nearby Cities

Clearwater is at the cost-effective end of the scale for central Florida. The only city within a few hours’ radius with lower fees is Lakeland, where the median is $3,300. It’s more likely that seniors comparing cities in the area will encounter higher costs because their peers in Orlando typically pay $4,000. Down the coast in North Port, fees average $4,145.

Clearwater

$3,350

Florida

$4,000

The United States

$4,500

North Port

$4,145

Lakeland

$3,300

Orlando

$4,000

The Cost of Other Types of Senior Care

At $3,350, assisted living can be a financially attractive option when compared to homemaker and home health aide services, which typically charge $4,767 and $4,862, as the latter two still require the senior to pay for their home. The most affordable choice is adult day health care, at $2,123. Nursing homes are significantly more costly, with a typical private room costing $9,885 per month, with semiprivate ones usually around $8,927.

Homemaker Services

$4,767

Home Health Aide

$4,862

Adult Day Health Care

$2,123

Assisted Living Facility

$3,350

Nursing Home Facility (semiprivate room)

$8,927

Nursing Home Facility (private room)

$9,885

Financial Assistance for Assisted Living in Clearwater

Seniors living in Clearwater have two financial assistance options that help cover the costs of assisted living: the Medicaid Managed Care Long-Term Care Program and the Optional State Supplementation program. Seniors can apply both for through the Pinellas County Department of Children and Families Office.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Florida page.

Financial Assistance in Florida

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Florida page.

Free Assisted Living Resources in Clearwater

Seniors in Clearwater can call on the support of many free resources within the city and Pinellas County. The resources in this list are only a taste of what’s available. They can help vets cope with mental illness, provide places where seniors can make new friends and identify support networks for volunteers to assist neighbors in need. 

ResourceContactService
Aging Well Center(727) 562-4904The Aging Well Center is a program focused on providing Clearwater's seniors with mentally and physically stimulating activities, in addition to making it easier for them to socialize within their age groups. The center operates a range of programs to satisfy most tastes. The Knit and Stitch Circle encourages learning for newbies and helps everyone get involved in group projects. Technology chat classes help familiarize seniors with modern devices, such as iPhones, and there are a variety of fitness groups for members to develop balance and improve their health.
Florida Department of Veterans Affairs(727) 319-7440The Florida Department of Veterans Affairs is a state-funded organization with officers in Pinellas County that help U.S. military vets struggling with psychological issues, including depression and traumas related to their time in uniform. It can also connect vets to other services, such as Veterans Affairs, to help them access state, federal and military benefits. Additionally, it can refer vets with medical conditions to facilities within the Bay Pines VA Healthcare System.
Florida Long-Term Care Ombudsman Program(888) 831-0404Seniors in long-term care communities with concerns about their facilities can register complaints with the ombudsman, who will investigate and pursue resolutions on their behalf. Families of residents and third parties can also contact the ombudsman. Additionally, the department can release copies of inspection reports prior to a senior choosing a facility to help them make more informed decisions.
Seniors in Service(813) 932-5228Seniors in Service is a Tampa-based nonprofit that provides opportunities for adults aged 55 and older to help their communities in the counties of Pinellas, Pasco and Hillsborough. Volunteers can apply life and work skills already learned or be trained in something new. Typically, volunteers assist homebound seniors, mentor younger members of the community and support veterans and their families. The volunteer determines how much time they can spare, and Seniors in Service connects them to the most appropriate nonprofit in need of their help.

Assisted Living Laws and Regulations in Clearwater

Clearwater Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Florida are required to follow. Visit our Assisted Living in Florida page for more information about these laws.

Assisted Living Laws and Regulations in Florida

Reviews of Communities Nearby

Assisted Living

Patrick

I am a friend or relative of a current/past resident

Review of The Colonnade at Beckett Lake

My brother moved into The Colonnade at Beckett Lake. The main reason we chose The Colonnade was its proximity to where he used to live because his son lives in the same area. From the outside, the...

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Assisted Living

Christopher

I am a friend or relative of a current/past resident

Review of Grand Villa of Clearwater

My mother stayed at Grand Villa of Clearwater for a little while. The major thing that I really liked, and my sisters also agree, is that the in-house staff and most of the staff actually greeted...

Read more

Assisted Living

Oscar

I am a friend or relative of a current/past resident

Review of The Oaks of Clearwater

My brother has moved into The Oaks of Clearwater. Everyone's fine, very professional, and very courteous. The place is clean and up-kept. The food is good. They're very attentive. The service is...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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