Older adults looking for a community with plenty of outdoor recreation opportunities and no snow may enjoy Palm Harbor. This census-designated community in Pinellas County sits on Florida’s beautiful Gulf Coast. It has a relatively large senior presence, with over 17,000 of its 61,000-plus residents aged 65 or older. Outdoorsy seniors have numerous opportunities for fishing, boating, strolling along miles of trails and enjoying several public parks. Tampa is less than 25 miles away and offers even more amenities, several professional sports teams and popular attractions for visiting grandkids, including a zoo, an aquarium and Busch Gardens.

Aging adults who can no longer live alone but want to retain their independence and get assistance when needed often benefit from an assisted living environment. The homelike setting encourages socialization and provides supportive care based on individual needs. The average monthly cost of assisted living in Palm Harbor is $3,225, which is less than the statewide average and over $1,000 lower than the national median.

This guide covers assisted living in Palm Harbor, including cost comparisons with other Florida cities. It also provides a list of free senior resources and the pros and cons of retiring in Palm Harbor.

Directory of Assisted Living Facilities in Palm Harbor, FL

2012, 2014

HarborChase of Palm Harbor

2960 Tampa Rd, Palm Harbor, FL, 34684

HarborChase of Palm Harbor is near U.S. Highway 19, West Coast Medical Group and Seabreeze Shopping Center in Palm Harbor, Florida. Community members can participate in religious services, Wii Sports, … (read more)
HarborChase of Palm Harbor is near U.S. Highway 19, West Coast Medical Group and Seabreeze Shopping Center in Palm Harbor, Florida. Community members can participate in religious services, Wii Sports, … (read more)

Countryside Haven

6960 County Road 95, Palm Harbor, FL, 34684

I have to say my Nana loves this place more than anywhere she’s been. She’s 95 but she’s still a spitfire and tells it like it is. She considers the staff and owners family. She truly loves the … (read more)
I have to say my Nana loves this place more than anywhere she’s been. She’s 95 but she’s still a spitfire and tells it like it is. She considers the staff and owners family. She truly loves the … (read more)

Stratford Court of Palm Harbor

45 Katherine Boulevard, Palm Harbor, FL, 34684

Located in Palm Harbor, Florida, Stratford Court of Palm Harbor is conveniently close to Wall Springs Park, Palm Harbor Blvd and Palm Harbor Shops. Visitors describe the dining room as attractive and … (read more)
Located in Palm Harbor, Florida, Stratford Court of Palm Harbor is conveniently close to Wall Springs Park, Palm Harbor Blvd and Palm Harbor Shops. Visitors describe the dining room as attractive and … (read more)

2020, 2022

Coral Oaks

900 West Lake Road, Palm Harbor, FL, 34684

We went to Coral Oaks and we really liked the facility, so we are making another appointment to take my friends to it, get assessed, and such. As of right now, that’s what we’re going with. It was ver … (read more)
We went to Coral Oaks and we really liked the facility, so we are making another appointment to take my friends to it, get assessed, and such. As of right now, that’s what we’re going with. It was ver … (read more)

St. Mark Village

2655 Nebraska Avenue, Palm Harbor, FL, 34684

St. Mark Village is a Lutheran-based home. You get one meal a day in a beautiful dining room and there are wonderful services. The apartments were lovely, but you buy in. The staff members that we met … (read more)
St. Mark Village is a Lutheran-based home. You get one meal a day in a beautiful dining room and there are wonderful services. The apartments were lovely, but you buy in. The staff members that we met … (read more)

Angels Senior Living at Palm Harbor

1655 Curlew Road, Palm Harbor, FL, 34683

My friend is doing fine at Angels Senior Living at Palm Harbor. I have seen the food, and it looks fine. So far the staff members are fine, especially the director. They have just hired a new activiti … (read more)
My friend is doing fine at Angels Senior Living at Palm Harbor. I have seen the food, and it looks fine. So far the staff members are fine, especially the director. They have just hired a new activiti … (read more)

Accordia Woods

1889 Curlew Road, Palm Harbor, FL, 34683

Accordia Woods was bigger than I anticipated. The rooms were adequate and the staff seemed very nice. It was a very welcoming and clean facility. Amanda took us on the tour and she was very nice, even … (read more)
Accordia Woods was bigger than I anticipated. The rooms were adequate and the staff seemed very nice. It was a very welcoming and clean facility. Amanda took us on the tour and she was very nice, even … (read more)

Bayou Gardens Palm Harbor

2275 NEBRASKA AVENUE, Palm Harbor, FL, 34683

My father was a resident of this facility until earlier this year when he ended up in the ER septic and with aspiration pneumonia and a terrible UTI. The Bayou staff tried to tell me that he might’ve … (read more)
My father was a resident of this facility until earlier this year when he ended up in the ER septic and with aspiration pneumonia and a terrible UTI. The Bayou staff tried to tell me that he might’ve … (read more)

Peaceful House

1506 Caird Way, Palm Harbor, FL, 34683


White House #2

1822 Nebraska Avenue, Palm Harbor, FL, 34683


Grand Villa of Clearwater

2750 Drew Street, Clearwater, FL, 33759

Minutes from Old Tampa Bay and surrounded by more than half a dozen parks, Brookdale Clearwater is an assisted living and memory care facility in Clearwater, Florida. Their clean rooms, great food and … (read more)
Minutes from Old Tampa Bay and surrounded by more than half a dozen parks, Brookdale Clearwater is an assisted living and memory care facility in Clearwater, Florida. Their clean rooms, great food and … (read more)

The Oaks of Clearwater

420 Bay Avenue, Clearwater, FL, 33756

I have moved into The Oaks of Clearwater. It’s a 15-story building, and I’m on the 6th floor. It’s a nice place. The employees are pretty nice. I’m working to get my room straightened out; the origina … (read more)
I have moved into The Oaks of Clearwater. It’s a 15-story building, and I’m on the 6th floor. It’s a nice place. The employees are pretty nice. I’m working to get my room straightened out; the origina … (read more)

2020, 2022

Grand Villa of Dunedin

880 Patricia Avenue, Dunedin, FL, 34698

Grand Villa of Dunedin is situated in the heart of Dunedin, Florida, just off Patricia Avenue and Main Street. It’s minutes from the Coastal Shopping Center, Dunedin History Museum and Mease Dunedin H … (read more)
Grand Villa of Dunedin is situated in the heart of Dunedin, Florida, just off Patricia Avenue and Main Street. It’s minutes from the Coastal Shopping Center, Dunedin History Museum and Mease Dunedin H … (read more)

Pacifica Senior Living Belleair

620 Belleair Rd., Clearwater, FL, 33756

Minutes from the Belleair Country Club and surrounded by trees and residential areas, Pacifica Senior Living Belleair is an assisted living and memory care facility in Clearwater, Florida. Visitors an … (read more)
Minutes from the Belleair Country Club and surrounded by trees and residential areas, Pacifica Senior Living Belleair is an assisted living and memory care facility in Clearwater, Florida. Visitors an … (read more)

2013, 2014

Addington Place of East Lake

1755 East Lake Road, Tarpon Springs, FL, 34688

We toured Addington Place of East Lake. When you talk about staff that works together and does well with each other, I would give them a five plus because they’ve been forever. You could tell that the … (read more)
We toured Addington Place of East Lake. When you talk about staff that works together and does well with each other, I would give them a five plus because they’ve been forever. You could tell that the … (read more)

Brookdale Tarpon Springs

1651 South Pinellas Ave., Tarpon Springs, FL, 34689

Brookdale Tarpon Springs is located in Tarpon Springs, Florida, which is known for its Greek eateries and sponge docks. The facility is close to Tarpon Springs Aquarium and Florida Hospital North Pine … (read more)
Brookdale Tarpon Springs is located in Tarpon Springs, Florida, which is known for its Greek eateries and sponge docks. The facility is close to Tarpon Springs Aquarium and Florida Hospital North Pine … (read more)

Emerald Gardens Assisted Living

2159 Mcmullen Booth Road, Clearwater, FL, 33759

Residents and their families say that Emerald Gardens Assisted Living in Clearwater, Florida, feels just like being at home. The facility is smaller than many others which allows for more dedicated su … (read more)
Residents and their families say that Emerald Gardens Assisted Living in Clearwater, Florida, feels just like being at home. The facility is smaller than many others which allows for more dedicated su … (read more)

Regency Oaks

2751 Regency Oaks Blvd, Clearwater, FL, 33759


Sunflower Springs at Trinity Now Open!

2300 Welbilt Blvd., Trinity, FL, 34655

We toured Sunflower Springs at Trinity. We have chosen it for mom because it was newer in construction and her room was pretty spacious. She had a nice back porch, too. But the main selling point, I w … (read more)
We toured Sunflower Springs at Trinity. We have chosen it for mom because it was newer in construction and her room was pretty spacious. She had a nice back porch, too. But the main selling point, I w … (read more)

The Preserve at Clearwater

2010 Greenbriar Blvd., Clearwater, FL, 33763

Located near the beaches, The Preserve at Clearwater is situated on lush acreage surrounded by a Pinellas County nature preserve. The facility offers several apartment options for assisted living and … (read more)
Located near the beaches, The Preserve at Clearwater is situated on lush acreage surrounded by a Pinellas County nature preserve. The facility offers several apartment options for assisted living and … (read more)

What to Consider About Assisted Living in Palm Harbor

The Florida Agency for Health Care Administration, Division of Health Quality Assurance performs the required oversight and licensing of assisted living facilities statewide. It also performs monitoring and conducts on-site surveys from one of several Bureau of Field Operations offices. The St. Petersburg Field Office is responsible for monitoring assisted living facilities in Pinellas County, including those in Palm Harbor.

Benefits and Drawbacks of Assisted Living in Palm Harbor

  • Florida is a popular destination for retirees, partially due to the state’s tax-friendly attitude. Seniors in Palm Harbor who collect Social Security benefits or other forms of retirement income don’t pay any state income tax, which keeps more money in their pockets.
  • The state sales tax rate, however, isn’t as friendly. At 6%, Florida’s sales tax is the 23rd highest rate in the nation. Pinellas County adds another 1% in local sales taxes. However, seniors in Palm Harbor pay less in sales taxes on necessities, such as groceries, which are completely tax-exempt. Prescription and nonprescription drugs are exempt from state taxes and are only taxed at the local 1% rate.
  • Pinellas County joined the AARP Age-Friendly Network in January 2017 and developed an action plan by identifying existing programs and services for older adults across the county, then applying an aging mindset to every aspect of life. Palm Harbor seniors benefit from Pinellas County having a livability index score of 55, which means it’s an above-average community. The county received top marks for its proximity to stores and markets, convenient transportation options, air quality and civic engagement, among others.
  • Palm Harbor seniors benefit from lovely year-round weather. For six months of the year, residents experience comfortable temperatures between 70 and 85 degrees, and measurable snow is an extremely rare occurrence. Residents enjoy 246 sunny days each year, and the coldest month of the year has an average low of 51 degrees, putting its wintertime comfort index at 9.1 out of 10.
  • Although Palm Harbor doesn’t have a local hospital, seniors don’t have far to travel to receive quality care. Two top hospitals are less than four miles away. AdventHealth North Pinellas and Mease Countryside Hospital both have on-site emergency departments, medical-surgical ICUs and cardiac ICUs. Mease was also rated high performing in colon cancer surgery and treating heart attack, kidney failure, stroke and COPD.

Paying for Assisted Living in Palm Harbor

According to the Genworth 2020 Cost of Care Survey, the average cost of assisted living in Palm Harbor is $3,225 per month. Compared to the state average, Palm Harbor’s monthly cost is lower by $475, and it’s $1,075 lower than the national median. 

The Cost of Assisted Living in Nearby Cities

Palm Harbor’s average cost of assisted living is also lower than most of the nearest cities with data available. Orlando’s cost mirrors the state average, which is $475 higher than in Palm Harbor. In North Port, seniors pay $663 more, and those in Lakeland pay $720 more each month. Seniors in The Villages pay the lowest costs in the state at $4,950 per month, which is $1,725 less than their counterparts in Palm Harbor. 

$3225

Palm Harbor

$3700

Florida

$4300

The United States

$3700

Orlando

$3888

North Port

$3945

Lakeland

$4950

The Villages

The Cost of Other Types of Senior Care

When contemplating senior care, it’s advisable to compare the costs of other options. In Palm Harbor, adult day health care is the lowest cost option at $1,993 per month, but it offers limited care. Seniors who want to receive care in their own homes pay an average of $4,195 for homemaker services and $4,576 for home health aides. For those needing comprehensive assistance and nursing care, nursing home facilities run about $9,946 per month for semiprivate rooms and $11,391 for private rooms. 

$4195

Homemaker Services

$4576

Home Health Aide

$1993

Adult Day Health Care

$3225

Assisted Living Facility

$9946

Nursing Home Facility (semiprivate room)

$11391

Nursing Home Facility (private room)

Note: Data for Palm Harbor was unavailable, so data for the nearest city, Tampa, was used instead.

Financial Assistance for Assisted Living in Palm Harbor

Residents of assisted living facilities in Palm Harbor may be eligible for financial assistance through the Medicaid Long Term Care Program and the Assistive Care Services waiver. Additional funding may also be available for the Optional State Supplement for seniors who receive Social Security income.

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

Financial Assistance for Assisted Living 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 Palm Harbor

Palm Harbor seniors have access to several free resources that help them remain active and retain their independence. These resources are available at a local, county or state level and cover everything from legal assistance to social activities. 

Resource

Contact 

Services

(800) 963-5337

The Area Agency on Aging of Pasco-Pinellas is a nonprofit organization that serves seniors and individuals with disabilities throughout Pinellas County. It has various programs to promote healthy aging and continued independence, including nutrition services, abuse and fraud prevention programs and disaster preparedness assistance. The agency also offers resources to help seniors stay healthy and active and promote community engagement. It also serves as the Aging and Disability Resource Center for the county and is the access point to all types of additional aging-related resources.

(727) 771-6000

The Senior Center merged with Parks and Recreation to create CSA Palm Harbor, an entity that provides programming to residents of all ages, including seniors. Along with the Palm Harbor Area Senior Council, the CSA promotes aging-related services to seniors throughout the community and offers suitable programs that emphasize health, fitness, socialization, lifelong learning and public assistance. Special programs regularly offered include blood pressure checks, ear exams and other health-related programs beneficial to older adults.

(727) 464-4200

Senior Connections provides a wide array of services and resources for older adults, including social services, community and health services, volunteer opportunities and information on other county partners that offer senior services.

(727) 573-9444

Neighborly provides free rides to seniors aged 60 or older throughout Pinellas County. It offers door-to-door service and has wheelchair-accessible buses. All medical appointments must be within 10 miles of the client’s home, and rides must be scheduled at least two days in advance. It also offers grocery trips, dining, shopping and fun outings for groups of six or more. Drivers are trained in CPR and eldercare.

Assisted Living Laws and Regulations in Palm Harbor

Palm Harbor-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities 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