The 10 Best Assisted Living Facilities in Palm Harbor, FL for 2023

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, Florida

63 Results

Didn't find what you were looking for?

Caring's Family Advisors are here to help you with questions about senior living and care options.





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. 

Palm Harbor




The United States




North Port




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. 

Homemaker Services


Home Health Aide


Adult Day Health Care


Assisted Living Facility


Nursing Home Facility (semiprivate room)


Nursing Home Facility (private room)


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 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. 

Area Agency on Aging of Pasco-Pinellas(800) 963-5337The 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.
CSA Palm Harbor(727) 771-6000The 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.
Pinellas County Senior Connections(727) 464-4200Senior 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.
Neighborly(727) 573-9444Neighborly 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

Helpful Articles