Punta Gorda is a beautiful city with palm tree-lined streets, classic architecture, brick lanes and a restored historic downtown district. Despite its natural amenities and proximity to scenic beaches, the city has a low cost of living, and minimal crime and retirement-friendly state tax laws make it a good option for older adults. It’s a popular retirement destination with a large senior community that makes up well over half of its total population of 20,000 residents

Seniors who want to maintain an active lifestyle but need help with some daily living activities often transition to assisted living. In Punta Gorda, these facilities offer housing, meals, recreational programs and transportation services for a maintenance-free lifestyle. Some facilities feature resort-style amenities such as pools, spas, hair salons, restaurants and fitness centers. Monthly rates vary, but according to the Genworth 2020 Cost of Care Survey, the typical assisted living facility in Punta Gorda charges $3,938 per month for lodging and care. This is high compared to the state median but low compared to the national monthly rate.  

This guide highlights the benefits and drawbacks of obtaining assisted living in Punta Gorda. It also provides more information on local senior care costs and agencies and programs that help older adults make informed long-term care decisions.  

Directory of Assisted Living Facilities in Punta Gorda, FL

2014

Brookdale Punta Gorda Isles

250 Bal Harbor Boulevard, Punta Gorda, FL, 33950

I toured Brookdale Punta Gorda Isles. We liked the location of the facility, and the woman who did the tour was very nice and helpful. They have a game room. The people that I met were all really nice … (read more)
I toured Brookdale Punta Gorda Isles. We liked the location of the facility, and the woman who did the tour was very nice and helpful. They have a game room. The people that I met were all really nice … (read more)

Best Care Senior Living of Punta Gorda

2295 Shreve St., Punta Gorda, FL, 33950

Best Care Senior Living of Punta Gorda was quite good. They’re doing some renovations now, but still managed to go through and show me around. I would choose that one if I were to put my husband to so … (read more)
Best Care Senior Living of Punta Gorda was quite good. They’re doing some renovations now, but still managed to go through and show me around. I would choose that one if I were to put my husband to so … (read more)

The Courtyard Assisted Living

26455 Rampart Blvd, Punta Gorda, FL, 33983

It was a really good tour at The Courtyard Assisted Living. What I liked about it is that they give you the option to go month to month. For the price point, maybe they need updating on the website. I … (read more)
It was a really good tour at The Courtyard Assisted Living. What I liked about it is that they give you the option to go month to month. For the price point, maybe they need updating on the website. I … (read more)

Alder Terrace Adult Care Center

26563 Sandhill Boulevard, Punta Gorda, FL, 33983

My mom is in Alder Terrace. I’m very satisfied with them. I have no idea about the food, but she hasn’t complained about anything. There’s individual living quarters for everybody. They have large and … (read more)
My mom is in Alder Terrace. I’m very satisfied with them. I have no idea about the food, but she hasn’t complained about anything. There’s individual living quarters for everybody. They have large and … (read more)

Sandhill Gardens Retirement Center

24949 Sandhill Blvd., Punta Gorda, FL, 33983

The rental agreement said they would make any refunds due within 45 days of vacating the property. It took four months to collect a refund for my security deposit and they didn’t refund any of the ex … (read more)
The rental agreement said they would make any refunds due within 45 days of vacating the property. It took four months to collect a refund for my security deposit and they didn’t refund any of the ex … (read more)

Life Care Center of Punta Gorda

450 Shreve Street, Punta Gorda, FL, 33950

Facility is beautiful but staffing is terrible. My grandmother who has dementia was transferred there from the hospital. It was a 3 day ordeal to even get a phone placed in her room so I could talk to … (read more)
Facility is beautiful but staffing is terrible. My grandmother who has dementia was transferred there from the hospital. It was a 3 day ordeal to even get a phone placed in her room so I could talk to … (read more)

Brookdale Port Charlotte

18440 Cochran Boulevard, Port Charlotte, FL, 33948

Brookdale Port Charlotte is in the heart of Port Charlotte just minutes away from beaches, medical facilities and shopping areas. Residents and loved ones compliment the staff, who are happy to partic … (read more)
Brookdale Port Charlotte is in the heart of Port Charlotte just minutes away from beaches, medical facilities and shopping areas. Residents and loved ones compliment the staff, who are happy to partic … (read more)

South Port Square

23023 Westchester Blvd., Port Charlotte, FL, 33980

I enjoyed my visit to South Port Square. They were very nice. I liked the layout, where you could go and eat with everybody. They had Sunday services. They also have transportation if you need it. I h … (read more)
I enjoyed my visit to South Port Square. They were very nice. I liked the layout, where you could go and eat with everybody. They had Sunday services. They also have transportation if you need it. I h … (read more)

Parkside Assisted Living & Memory Care

2595 Harbor Blvd., Port Charlotte, FL, 33952


Vick Street Manor

22332 Vick St, Port Charlotte, FL, 33980

Vick Street Manor was nice and a small place. They only have 50 people right now. It’s just quiet, there’s not a lot going on. The tour I did of their assisted and memory care was wonderful and the di … (read more)
Vick Street Manor was nice and a small place. They only have 50 people right now. It’s just quiet, there’s not a lot going on. The tour I did of their assisted and memory care was wonderful and the di … (read more)

Truewood by Merrill, Port Charlotte

2500 Aaron St, Port Charlotte, FL, 33952

Royal Palm Retirement Centre borders the ocean shore in Port Charlotte, Florida, and is close to two major highways for easy commuting in and out of town. Residents feel like they’re part of a family … (read more)
Royal Palm Retirement Centre borders the ocean shore in Port Charlotte, Florida, and is close to two major highways for easy commuting in and out of town. Residents feel like they’re part of a family … (read more)

2014, 2015

Lexington Manor Assisted Living

20480 Veterans Boulevard, Port Charlotte, FL, 33954

Lexington Manor Assisted Living is located in Port Charlotte, Florida, just a few minutes from numerous shops and restaurants in nearby Murdock. Residents and visitors appreciate that the facility has … (read more)
Lexington Manor Assisted Living is located in Port Charlotte, Florida, just a few minutes from numerous shops and restaurants in nearby Murdock. Residents and visitors appreciate that the facility has … (read more)

2015

Truewood by Merrill, Charlotte Center

18400 Cochran Blvd, Port Charlotte, FL, 33948

Village Place Retirement is located in the seaside city of Port Charlotte, Florida, and is close to a number of popular shopping areas, the beach and medical facilities. Residents praise the unique se … (read more)
Village Place Retirement is located in the seaside city of Port Charlotte, Florida, and is close to a number of popular shopping areas, the beach and medical facilities. Residents praise the unique se … (read more)

Gardens of North Port

4900 S Sumter Blvd, North Port, FL, 34287

Gardens of North Port is located in a cozy residential area in North Port, Florida, within minutes of the Heron Creek Golf Course and Garden of the Five Senses. Visitors praise the facility for its en … (read more)
Gardens of North Port is located in a cozy residential area in North Port, Florida, within minutes of the Heron Creek Golf Course and Garden of the Five Senses. Visitors praise the facility for its en … (read more)

Discovery Commons at South Biscayne

6235 Hoffman Street, North Port, FL, 34287

My mother signed up here. She liked that it was updated, it had a nice large dining room, and the people were very friendly. It’s big, and it’s modern. It had a huge lanai on the back. The staff durin … (read more)
My mother signed up here. She liked that it was updated, it had a nice large dining room, and the people were very friendly. It’s big, and it’s modern. It had a huge lanai on the back. The staff durin … (read more)

The Gallery at North Port

1322 N Main St, North Port, FL, 34286

I liked how beautifully The Gallery at North Port was decorated and that it didn’t feel like you’re going into an assisted living building. They had lots of outdoor spaces. The facilities were clean a … (read more)
I liked how beautifully The Gallery at North Port was decorated and that it didn’t feel like you’re going into an assisted living building. They had lots of outdoor spaces. The facilities were clean a … (read more)

Harborview Acres

24450 Harborview Rd, Port Charlotte, FL, 33980

Clean, friendly, great atmosphere. All the people there seemed to be happy. I talked to a few and they really liked it there and said food was good. There was an ice cream shop there that everyone … (read more)
Clean, friendly, great atmosphere. All the people there seemed to be happy. I talked to a few and they really liked it there and said food was good. There was an ice cream shop there that everyone … (read more)

Chelsea Place Retirement and Assisted Living

315 Addison Drive, Port Charlotte, FL, 33980


Sweet Water Oak Residential Assisted Living

2820 Pan American Blvd, North Port, FL, 34287


What to Consider About Assisted Living in Punta Gorda

Assisted living facilities in Punta Gorda comply with licensing standards set by the Long-Term Care Services Unit within the Division of Health Quality Assurance. This governing body sets regulations for safety and quality standards, which are enforced through an initial licensing process and annual inspections. 

Benefits and Drawbacks of Assisted Living in Punta Gorda

  • Punta Gorda is an affordable city with a generally low cost of living, which may enable older adults to maintain their standard of living throughout their retirement years. On a 100-point index based on the national average cost of living, the city scores 97. Transportation-related expenses such as gasoline, auto insurance and public transit are particularly affordable, and miscellaneous expenses such as restaurant meals and clothing tend to cost slightly less than in the rest of the country.  
  • Punta Gorda is a safe community with minimal crime, providing the environment many seniors seek for their retirement years. Violent crime occurs at a rate of about 88 incidents per 100,000 people, compared to state and national rates of 378 incidents. Property crime is also relatively uncommon. On a 100-point index, the city’s property crime scores 23.3 versus the national score of 35.4. 
  • On a 10-point comfort index, Punta Gorda scores a little lower than the nation at 6.7. This is mainly due to the city’s very hot, humid summers when temperatures are in the 90s and humidity levels are described as oppressive. However, temperatures are very pleasant throughout the rest of the year, with months during the spring, autumn and winter seasons rating between 7 and 9 points on the index.  
  • Health care costs in Punta Gorda come in about 7% lower than the national average, but with 194 physicians per 100,000 people versus the national rate of 210, wait times to see doctors may be slightly longer. The city is home to Bayfront Health Punta Gorda, which has an emergency room and specializes in diagnostic imaging, critical care medicine and ear, nose and throat care.  
  • Florida doesn’t have a state income tax, so seniors in Punta Gorda hold on to a large portion of their retirement income, regardless of its source. Property and sales tax rates are near the national averages, and the state doesn’t impose an inheritance or estate tax. 

Paying for Assisted Living in Punta Gorda

Seniors in Punta Gorda pay $3,938 per month on average for assisted living services. This is over $200 per month higher than Florida’s monthly average rate of $3,700, but it’s affordable compared to the national median of $4,300.  

The Cost of Assisted Living in Nearby Cities 

Assisted living services in Punta Gorda are moderately priced at $3,938 per month. Seniors seeking more competitively priced options may find Miami, where seniors typically pay $3,500 per month for this level of care, to be more suitable. However, Punta Gorda is a budget-friendly alternative to numerous local cities, including the Palm Bay area, where fees average $4,100. In the Naples area, care costs exceed the national median at $4,550, and in Tallahassee, rates are the highest in the state at $5,506.  

$3938

Punta Gorda

$3700

Florida

$4300

The United States

$4100

Palm Bay Area

$5506

Tallahassee

$3500

Miami Area

$4550

Naples Area

The Cost of Other Types of Senior Care 

Older adults who need personal care services have a range of options to accommodate their needs and budgets. Assisted living is among the cheapest options at $3,938 per month. Adult day health care is typically cheaper, with seniors statewide paying $1,408 for this level of care, which includes personal care services, meals and recreational activities in a community setting. Seniors who live in their own homes may opt to receive homemaker services, which are similar to assisted living, and home health aide services, which also include some skilled nursing care. Both home-based options cost $4,576 per month. Nursing homes provide the highest level of care and charge $9,125 per month for semiprivate rooms and $10,342 for private rooms. 

$4576

Homemaker Services

$4576

Home Health Aide

$3938

Assisted Living Facility

$9125

Nursing Home Facility (semiprivate room)

$10342

Nursing Home Facility (private room)

Financial Assistance for Assisted Living in Punta Gorda

Seniors in Punta Gorda who receive income from Social Security may be eligible for the Optional State Supplement. Financial assistance is also available to seniors in assisted living through the Assistive Care Services waiver or the Medicaid Long-Term Care Program.

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

Financial Assistance for Assisted Living in Punta Gorda

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 Punta Gorda

The Punta Gorda region is home to a broad range of programs and services to help older adults obtain the care they need. Through the following resources, seniors can get guidance on choosing the best health insurance for their needs and budget, research local assisted living facilities and find options for paying for care. 

Resource Contact Service 
Area Agency on Aging for Southwest Florida (866) 413-5337 The local AAA is a nonprofit organization that provides a range of services and programs for Punta Gorda residents aged 60 and over. It administers the Statewide Medicaid Managed Care Long-Term Care program, which covers services for those in assisted living. The agency is also the state’s designated Aging and Disability Resource Center and has information specialists who provide advice and referrals to help seniors access services through area providers. 
Charlotte County Aging & Adult Services (941) 833-6500 The county’s Aging & Adult Services Division helps older adults obtain goods and services in the community, research local assisted living options and identify options for paying for services. It can also help seniors find their nearest Friendship Center, where they can enjoy social and recreational activities. 
Charlotte County Veterans Services (941) 764-5579 Charlotte County Veteran Services promotes access to veterans benefits, including those that may help cover assisted living, such as the Aid and Attendance Benefit. Its staff members can screen veterans for eligibility and help them obtain necessary documents and complete the application process. 
SHINE (800) 963-5337 SHINE is the statewide senior health insurance options counseling program. It provides free advice to help seniors understand their Medicare benefits and assess eligibility for Medicaid, which can help cover assisted living services.  
Long-Term Care Ombudsman Program  (850) 414-2323 The statewide Long-Term Care Ombudsman Program advocates on behalf of assisted living residents and helps resolve issues related to intake and discharge procedures, billing mistakes and care planning. It can also help seniors understand their rights and identify ways to cover care expenses. 

Assisted Living Laws and Regulations in Punta Gorda

Punta Gorda-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 Punta Gorda