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Retire to Florida In Palm Harbor

Updated on June 5, 2018
Patty Inglish, MS profile image

Ms. Inglish has 30 years successful experience in medicine, psychology, STEM, and aerospace education (Active Air Force Civil Air Patrol).

A relaxing sunset harbor is a welcome view to families, visitors, and retirees in Palm Harbor.
A relaxing sunset harbor is a welcome view to families, visitors, and retirees in Palm Harbor. | Source

Top 20 Retirement Cities in Florida

Palm Harbor has been ranked as a top retirement community in Florida by organizations like WalletPop, 55+, CNNMoney, and others.

The city is appealing, because Florida has no state income tax and Palm Harbor is not incorporated - therefore, the government levies few or no taxes of its own in Pinellas County other than by local referendum. This means little or no tax.

Palm Harbor sits approximately halfway down the western coast of the state on the Gulf of Mexico. Local restaurants serve not only American and regional Floridian cuisines, but also Tex-Mex with the influence of Florida and diverse cultures, as in FloriMex Cuisine.

Palm Harbor, Florida:
Palm Harbor, FL, USA

get directions

Palm Harbor is north of Clearwater, St. Petersburg, and Tampa on the west coast of the state.

Palm Harbor
Palm Harbor | Source

Active Community Attractions

Prior to the Civil War, people migrated southward to Florida to take advantage of citrus groves and mineral springs that gave rise to health resorts in a mild climate where the temperature is usual in the mid-60 degrees F all winter. Fishing was good in the Gulf of Mexico and farming was successful. The area was settled more extensively by individuals moving in roughly between 1860 and 1878.

Local unincorporated neighborhoods beside Palm Beach today include East Lake, Crystal Beach with its long-time Live Oak City Park, and Ozona; all of which combine to form the larger community. Palm Harbor is governed by the Pinellas County Commission and the three smaller neighborhoods have some form of community organization of club that acts as government. Some have their own online newsletters and meeting place as well.

In 1985, the Florida Legislature protected Palm Harbor officially form annexation by surrounding villages and towns and allowed a system of local voting to be effected for special taxes from time to time, by local referendum.


The Palm Harbor Community Services Agency is a non-profit with a Board of Directors that serves to govern local operations, programs, and public library and recreation facilities. The Palm Harbor Library is especially active, with a total of 150 active volunteers beyond their 24 staff persons. it is a cultural center and meeting place for the community that provides many educational and entertaining programs and events, including concerts and a lively book club.

The Palm Harbor Community Center adds additional entertainment and classes, so there is always something to do at the Library or the Center. In addition, green space is located in a dozen local recreational parks and outdoor sports are provided for adults, youth, and children. Hiking, biking, and fishing are still popular.

Countryside Mall is 15 miles south of town along Route 19 and for tennis and golf, Innisbrook Resort is in town.

Houses of Faith

For retirees to whom faith is a part of life, then a number of denominations are available in Palm Harbor:

  • Baptist: Abundant Life Baptist, Berea Baptist, Bible Baptist, Curlew Baptist
  • Other Mainline Churches: East Lake United Methodist, Lutheran Church of the Resurrection, New Life Church, New Purpose Community Church, Palm Harbor Community Church, Presbyterian Church of Palm Harbor, St. Alfred's Episcopal, St. Luke Catholic, SS Helenix Orthodox Church
  • Jewish Temples: Temple Ahavat Shalom
  • Other Houses: Christ Church, Crossroads Chapel,Grace Covenant Church, Jehovah's Witnesses Palm Harbor, LDS Church, Lutheran Church of the Palms, Unity Church of Palm Harbor and Word of Faith.

Local Sports

  • Local Sports include the Palm Harbor Nighthawks under US Soccer, which is working to bring the World Cup to the US in 2018 or 2022. Tampa is a candidate city.


Pinellas County offers an extensive system of buses, trolleys, loop routes, shuttles, and other options. Some routes extend into other, nearby counties. ( Senior Citizen prices are much reduced.

Old Palm Harbor Main Street

The historic region of Palm Harbor's downtown district is preserved and developed by the Old Palm Harbor Main Street organization. This is a non-profit corporation working in partnership with county government since 1999 to provide business and communty services as well as such events as

  • First Fridays celebrations
  • Palm Harbor Days founders' festival
  • Christmas & Holiday Parades
  • Palm Harbor Parrot Head Party
  • Palm Harbor Bike Fest and Car Show
  • Citrus Festival
  • Craft Fairs

Further, improvements to infrastructure were completed in 2006 and ongoing development is likely.

Main Street, Palm Harbor FL:
Main St, Clearwater, FL, USA

get directions

  • Try the local Central Florida Institute Medical and Dental Training Schools at -- Explore a new career at the Tampa and Orlando Medical and Dental Training Schools. Study and become accredited training as a Medical Assistant, Dental Assistant, Cardiovascular Technician, Sonographer, and others with these programs.

Employment and Economy

Most Frequently Listed Job Openings

High demand jobs have increased to over 39,100 listed vacancies in May 2018. The highest demand openings listed below are within 30 miles of the downtown district of Palm Harbor.

Hot Jobs in the Palm Harbor Metro Area

  1. Registered Nurses (RNs)
  2. Mechanics - Truck and Auto
  3. Truck Drivers with CDL
  4. Certified Nurses' Assistants (CNAs)
  5. Retail Salespeople
  6. Business Analysts
  7. Physical Therapists and Occupational Therapists
  8. Software Applications Engineers
  9. Pharmacy Technicians
  10. Managers and Assitant Managers
  11. Landscapers and Helpers
  12. Restaurant General Managers, Casual Dining and Fast Food Team Members and Crew

Other High Demand Jobs

  1. Financial Advisors, Sales Managers, Speech Therapists, and Customer Service Reps.

Top Hiring Companies

  1. Bay Care Health System: See section below.
  2. CVS Health
  3. Various Health & Medical Recruiters
  4. Florida Hospital Tampa
  5. Tampa General Hospital
  6. Moffitt Cancer Center
  7. University Community Hospital in Tampa
  8. University of South Florida
  9. St. Joseph's Baptist Hospital
  10. All Children's Hospital

Bay Care Health System

This complex was named to the Top 100 Best Places to Work In Florida during the summer of 2009 and has remained near the top of the list.

This employer happens to be the largest community-based healthcare system in Florida West Coast Region, or Tampa Bay Area.

The system of hospitals and clinics serves Clearwater, Tampa, St. Petersburg, Palm Harbor and surrounding communities across the Tampa Bay market area. The hospitals that are government by this system include

  • Mease Countryside
  • Mease Dunedin
  • Mease Morton Plant
  • Mease Morton Plant North Bay
  • St. Anthony’s
  • St. Joseph’s
  • St. Joseph’s Children’s Hospital
  • St. Joseph’s Women’s Hospital
  • St. Joseph’s Hospital North - new facility for 2010 that will add new jobs to the area.
  • South Florida Baptist Hospital

Local Hospitals and Clinics

  • Bay Tree Rehab and Nursing; and Bay Area Medical Center (see section above)
  • Countryside Health Care Center. 3825 Countryside Blvd. N. Palm Harbor, FL 34684
  • HCA West Florida: This is an amazing network of 16 hospitals with 21 emergency rooms, 14 surgery centers, and 21 graduate medical education training programs in West Florida. Palm Harbor opened a 24/7/365 ER in 2016.
  • Manor Care of Palm Harbor
  • North Pinellas Childrens’ Hospital

Retirement Living in Palm Harbor

Factory Tour: Manufactured Homes

© 2010 Patty Inglish MS


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    • Web Gazelle profile image

      Web Gazelle 

      7 years ago from USA

      Retirement in Florida sounds great. Can I retire now, please? :)

    • profile image

      Florida Collection Agency 

      8 years ago

      Florida is one of the best states out there. There is so much to do and so many wonderful places to live. The winters are amazing there too.

    • dusanotes profile image


      9 years ago from Windermere, FL

      Palm Harbor is special. But there are a lot of wonderful Florida communities. Your Hub, as usual, is outstanding. Good luck to you. Don White

    • Greg Cremia profile image

      Greg Cremia 

      9 years ago from Outer Banks

      There isn't a place in Florida that I don't like.

    • Hello, hello, profile image

      Hello, hello, 

      9 years ago from London, UK

      #Seems such a nice place. You make my feet ich. Thanks for the hub

    • Dim Flaxenwick profile image

      Dim Flaxenwick 

      9 years ago from Great Britain

      Great and interesting hub , as always Patty. x

    • Guru-C profile image

      Cory Zacharia 

      9 years ago

      Hi Patty, Happy New Year! Great hub, as usual. Two of my sisters live in Palm Harbor. I love visiting them. Besides enjoying my family, the area has a great energy and is very beautiful. You can find everything from charming little cottages to palatial mansions. Best wishes to you.


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