Page Reviewed / Updated - September 29, 2020
Perched next to Charlotte Harbor and the Peace River, Port Charlotte is a small town with a tropical feel. The city's gulf coast location, combined with easy access to I-75, makes it a convenient vacation destination for friends and family. With over two dozen marinas and 830 miles of shorefront, the city is great for outdoor-loving seniors who enjoy being near the water. Port Charlotte is a planned community with a quiet, residential atmosphere; it's also just a 45-minute drive from Fort Myers, a city known for its vibrant arts and dining scene.
Port Charlotte is adjacent to North Port, Florida, and the two charming communities share three major hospitals and several medical centers. 24% of the population is aged 65 and over, and the cost of living is about 12% less expensive than the national average. For seniors who love hot, humid summers and despise cold winters, temperatures vary from March to November in the 80s and 90s and from December to February in the warm 70s.
Note: Information for Port Charlotte was not available, so data from the adjacent city of North Port was used instead.
Check out our picks for the top 10 assisted living facilities in Port Charlotte. Additionally, find out more about the cost of assisted living in Port Charlotte and what financial assistance programs are available.
18440 Cochran Blvd.
Port Charlotte, FL 33948
Port Charlotte Brookdale is one mile from a Walmart Supercenter and the shopping and dining of Port Charlotte Town Center mall. A variety of delicious chef-prepared meals are offered in a cozy restaurant-style setting, with coffee and snacks available all day. Caring staff members are on-site 24/7 to help seniors with activities of daily living as well as manage their medications, and each new resident receives a personalized assessment to determine the amount of assistance needed or wanted at Brookdale.
22332 Vick St.
Port Charlotte, FL 33980
One mile from Charlotte Harbor, Vick Street Manor is just around the corner from a shopping plaza that includes a Publix grocery store, and there are several family-style restaurants nearby. Seniors can enjoy a full social calendar, and transportation to medical appointments and housekeeping services are provided. Residents are encouraged to be independent, but assistance is always available, including help with managing medications. We included Vick Street Manor on our list because the residence has an excellent program that enables seniors to age comfortably in place, transitioning them to memory care or skilled nursing as needed.
23023 Westchester Blvd.
Port Charlotte, FL 33980
Fun, daily fitness programs await active seniors at South Port Square, including taking a swim in an indoor heated pool or yoga in the fully equipped fitness center. Seniors can participate in outings to local cultural and entertainment spots, and transportation is provided to medical appointments. Dining options include chef-prepared meals in either the dining room or the bistro, and an ice cream parlor is available on-site providing sweet treats.
2595 Harbor Blvd.
Port Charlotte, FL 33952
Parkside Assisted Living is one block from Fawcett Memorial Hospital and within walking distance of a Winn-Dixie grocery store. Single and companion studio apartments range from 300 to 335 square feet and all include 11-inch ceilings and roll-in showers. Seniors can socialize in the large, bright open common area with sofas and chairs, tables for games and cards and a full kitchen. A screened, covered lanai looks out on a duck pond, and the grounds include a fenced park for pets. Seniors can stay connected to family members through Skype stations, and the family visiting room is stocked with children's toys and games for fun with the grandchildren.
20480 Veterans Blvd.
Port Charlotte, Florida 33954
Situated in a residential area in northern Port Charlotte, Lexington Manor is two miles from a Walmart Supercenter and a 10-minute drive from the shopping and dining of the Tamiami Trail. Floor plans include studio, one- and two-bedroom apartments and all have kitchenettes. Lexington Manor has a full-service beauty salon and barbershop on-site, and there's a broad variety of activities to keep residents entertained, including in-house religious services, games and movie nights and shopping trips. Seniors can attend the daily happy hour and enjoy chef-prepared meals in the restaurant-style dining room.
24450 Harbor View Rd.
Port Charlotte, FL 33980
Harborview Acres is an intimate assisted living residence with 25 private and semi-private studios and one-bedroom units. Located one mile from the harbor, it’s nestled on wooded grounds with open areas for strolling. At Harborview, seniors have access to a common area for socializing, and they're served family-style meals daily. Housekeeping and laundry and linen service is provided along with assistance arranging transportation. We included Harborview Acres in our top 10 list because of the exceptional, caring attention given to residents.
6235 Hoffman St.
North Port, FL 34287
The Springs at South Biscayne is just two miles from Warm Mineral Springs Park, a mineral-rich soaking spot with a year-round water temperature of 85 degrees. Spacious studio, one- and two-bedroom apartments have walk-in closets and kitchenettes, and all-day dining lets seniors choose when to have meals in the restaurant-style dining room. Licensed nurses are on-site 24/7, and a full fitness studio offers classes daily as well as physical therapy.
2500 Aaron St.
Port Charlotte, FL 33952
Royal Palm Senior Living is close to several family-style restaurants and the Cultural Center of Charlotte County, which hosts plays and musical events and has an on-site tearoom and café. The community offers a wide range of activities designed to keep seniors engaged and stimulated, including fitness classes, cultural programs and off-site trips, and for the musically inclined, there's a piano on-site. Caring staff is available to assist as needed, and the pet-friendly, spacious living spaces include a resident call system for peace of mind.
18400 Cochran Blvd.
Port Charlotte, FL 33948
A five-minute drive from Port Charlotte Beach Park, Village Place Senior Living encourages seniors to live as independently as possible with help always close by. Residents can appreciate the bright and spacious dining room and lounging areas or relax outdoors inside the screened porch with comfortable seating while enjoying the Florida sunshine. Village Place was included in our top 10 list because of its highly trained staff who provide this small community with a positive, safe environment.
250 Bal Harbor Blvd.
Punta Gorda, FL 33950
Right across the harbor from Port Charlotte, Brookdale Punta Gorda Isles is nestled in a residential community a short walk from the beach, and seniors can explore the shops and restaurants of Fisherman's Village just one mile away. There are plenty of entertainments to be found at the residence, such as a billiards room, library, TV room and computer nook. Seniors can choose from daily activities that include yoga, exercise class, arts and crafts and off-site excursions to local points of interest. Housekeeping and laundry services are included, and seniors can receive occupational and physical therapy on-site.
Assisted living is the only level of care that is cheaper in Port Charlotte compared to the state average, and that's only by $100 a month. According to the Genworth 2018 Cost of Care Survey, all other levels of senior care in the area are more expensive on average compared to Florida as a whole.
Note: Data on the average cost of senior care wasn't available for Port Charlotte, so the data for the closest city, Punta Gorda, was used.
In Port Charlotte, assisted living costs are lower than both the state and national averages; it is $100 cheaper than the state and $600 cheaper than the national average. Compared to nearby areas, Port Charlotte provides an affordable alternative. In North Port, costs are about $475 a month higher, and in Cape Coral it averages $600 more than Port Charlotte.
The most expensive area for assisted living that is relatively close is Naples at $5,448 a month, and the least expensive is Sebring at $3,038 a month.
In Port Charlotte, the cost of in-home care services is an average of $4,385 a month, which is over $500 more expensive than the state average. In nearby North Port, costs are more in line with the state average at $3,813 a month.
Port Charlotte is the most expensive area in the region for home health care, followed by Naples and Cape Coral at $4,195 and $3,909 a month, respectively.
Adult day care services in Port Charlotte cost an average of $1,733 a month, making it more expensive than the state average by about 20 percent. Compared to nearby areas, it is cheaper than North Port at $1,907 a month but more expensive than Cape Coral at $1,571 a month.
The cheapest adult day health care that is relatively close to Port Charlotte can be found in Sebring at $1,408 a month. The most expensive areas for this level of care are North Port and Tampa, both with averages of $1,907 a month.
Port Charlotte nursing homes are among some of the most expensive in the state with an average monthly cost of $8,502 compared to the Florida average of $8,152. Nearby areas, such as North Port, are even more costly at $8,669 a month while Cape Coral is slightly cheaper at $8,304.
In Naples, average costs are almost $2,000 a month higher, while the cheapest area in relatively close proximity is Sebring with an average about $1,400 a month lower.
The federal government provides assistance to low-income residents who require various medical services through the Medicaid program. However, individual states can create Medicaid programs and waivers on a statewide level with their own eligibility requirements. In Florida, seniors will be most interested in the Statewide Medicaid Managed Care program, otherwise known as the SMMC.
The SMMC program started in 2014 as an alternative to all of the Medicaid waivers that the state government issued before this time. The available services include prescription drugs, visits to a doctor, hospitalization, mental health treatment and, if needed, transportation to and from applicable services. This program also covers some long-term care and all Medicaid dental services.
Low-income seniors who need help paying for their stay at a facility, such as assisted living or nursing homes, or in-home services, should take advantage of the Long-Term Care (LTC) part of Florida's Medicaid. The LTC program provides these services for any adult who has been assessed as needing a nursing home level of care.
It is important to note that financial help from Medicaid to pay for assisted living or in-home care is not considered an entitlement in Florida, generally resulting in applicants being placed on a waiting list. However, nursing home care is an entitlement, which means that anyone eligible will receive services immediately if they are currently living in, or transferring to, a nursing home.
Florida Medicaid eligibility requirements:
To apply for Florida's SMMC program, call or visit an Area Agency on Aging. The closest AAA for Port Charlotte residents is the Southwest Florida office which can be contacted at (239) 652-6900.Read more about the Statewide Medicaid Managed Care program in our SMMC guide.
Optional State Supplement (OSS)
A large percentage of low-income seniors are already receiving Supplemental Security Income (SSI) benefits from the federal government. However, as with Medicaid, individual states can create their own programs. Florida has done so with their Optional State Supplement (OSS) program which provides payments in addition to the federal benefits.
OSS benefits can be used to pay for assisted living, mental health treatment facilities and adult family care homes that are licensed by the state.
Read more about Florida's Optional State Supplement program in our OSS guide.
Community Care for the Elderly (CCE)
Port Charlotte seniors who are not eligible for Medicaid but need a nursing facility level of care may be able to receive assistance through Florida's Community Care for the Elderly program. CCE is funded by the state so that it can save money by deferring placement in expensive nursing facilities for as long as possible by helping seniors stay at home or in other facilities. Services available in this program include adult day care and day health care, case management, in-home help and emergency repairs, meal delivery, medical supplies and transportation.
Read more about Florida's Community Care for the Elderly program in our CCE guide.
Respite for Elders Living in Everyday Families (RELIEF)
This program was created specifically to help caregivers who are managing seniors who suffer from Alzheimer's or other memory-related issues, and those who are unable to safely live alone. RELIEF can provide temporary caregivers to give the primary caregiver a break, and it can also provide companionship with volunteers based on matching hobbies, personalities and skills. In Port Charlotte, the Southwest Florida Area Agency on Aging is responsible for enrolling seniors in the program.
Read more about this program in our RELIEF guide.
Alzheimer's Disease Initiative (ADI)
The ADI is another state-run program that was created to temporarily relieve caregivers of their duties. In this case, however, it is possible to receive extended respite of up to 30 days in which the caregiver gets a break while their loved one stays at a residential facility with memory care capabilities. This program cannot be used by anyone enrolled in a Medicaid long-term care (LTC) program.
Read more about Florida's Alzheimer's Disease Initiative in our ADI guide.
Home Care for the Elderly (HCE)
Caregivers of low-income seniors in the Port Charlotte area may also benefit from the HCE program. This program is for seniors who remain at home or in the house of their caregiver, and all payments are given directly to the caregiver. Payments cover goods and services, such as food and clothing, medical equipment and services, home nursing and housing costs.
Read more about the Home Care for the Elderly program in our HCE guide.
|Punta Gorda Housing Authority||(941) 639-4344||Affordable housing and rental subsidies are available for low-income residents, including seniors. The Punta Gorda Housing Authority is the local branch for Port Charlotte residents. The PGHA currently manages five properties, including apartments and homes with up to four bedrooms.|
|Presbyterian Villas of Port Charlotte||(941) 629-6664||This community currently has 46 one-bedroom and 24 two-bedroom ground level apartments for residents aged 62 or older. All apartments are rent subsidized.|
|Presbyterian Homes of Port Charlotte
||(941) 629-6664||This apartment block is on the same street as the villas above and managed by the same group. There are 97 rent subsidized one-bedroom apartments for seniors.|
|Villa San Carlos||(941) 624-2266||This community has rent subsidized apartments for seniors aged 62 or older.|
|Grande Court at North Port||(941) 426-6554
||Located nearby in North Port, this community provides rent subsidized apartments for seniors.|
|Emergency Heating and Cooling||(800) 963-5337||Florida's Department of Elder Affairs has a program to assist low-income seniors with payments to go toward heating and cooling. Contact the Elder Helpline at this number for more information.|
For additional information and planning, please read our comprehensive guide to paying for senior care in Florida.