Care Cost in Florida
2026 average monthly costs for assisted living, nursing homes, memory care, home care, and adult day services in Florida.
Monthly Care Costs
Home Care
$6,101/mo
$73,212 per year
Home care services in Florida include personal care aides and home health aides who help seniors age in place with assistance for bathing, meals, and mobility. In-home caregivers in Florida offer a flexible alternative to facility-based care.
Adult Day Care
$1,625/mo
$19,500 per year
Adult day care programs in Florida offer structured daytime activities, socialization, and health monitoring — providing essential respite for family caregivers. Adult day services in Florida are among the most affordable long-term care options available.
Assisted Living
$5,610/mo
$67,320 per year
Assisted living facilities in Florida provide personal care, meals, and medication management for seniors who need daily support but not round-the-clock medical attention. Assisted living costs in Florida typically cover a private room, housekeeping, and access to social activities.
Memory Care(Est.)
$7,000/mo
$84,000 per year
Memory care facilities in Florida provide specialized support for seniors with Alzheimer's disease and other forms of dementia. These secured communities offer structured routines, cognitive therapies, and 24-hour supervision. Memory care costs in Florida are estimated at approximately 1.25× the assisted living rate.
Nursing Home (Semi-Private)
$10,342/mo
$124,104 per year
Skilled nursing facilities in Florida offer 24-hour medical supervision, rehabilitation therapy, and long-term care for seniors with complex health needs. Nursing home costs in Florida reflect round-the-clock licensed nursing staff and specialized medical equipment. This rate reflects a semi-private room.
Nursing Home (Private Room)
$12,167/mo
$146,004 per year
A private room in a Florida nursing home offers greater privacy and comfort for residents requiring 24-hour skilled nursing care. In Florida, a private room costs about 18% more than a semi-private room (the 2025 CareScout Cost of Care Survey).
How costs vary across Florida
Florida's care costs vary notably by metro. South Florida, including Miami, Fort Lauderdale, and West Palm Beach, is generally the most expensive, shaped by a higher cost of living and dense senior population. Tampa Bay and Orlando tend to track near statewide levels, while Jacksonville and Tallahassee are often somewhat less costly. The Gulf Coast retirement corridor, including Sarasota, Naples, and Fort Myers, sees strong demand, with costs above average but below South Florida. Assisted living and home care are comparatively affordable in Florida, while nursing home care calls for more substantial financial planning.
Read the full Florida planning guideAnnual Cost Breakdown
| Care Type | Monthly | Annual | National Avg | Difference |
|---|---|---|---|---|
| Home Care | $6,101 | $73,212 | $6,673 | -9% |
| Adult Day Care | $1,625 | $19,500 | $2,058 | -21% |
| Assisted Living | $5,610 | $67,320 | $6,200 | -10% |
| Memory Care(Est.) | $7,000 | $84,000 | $7,800 | -10% |
| Nursing Home (Semi-Private) | $10,342 | $124,104 | $9,581 | +8% |
| Nursing Home (Private Room) | $12,167 | $146,004 | $10,798 | +13% |
Source: CareScout 2025 Cost of Care Survey (released March 2026)
Cost Projections
Estimated future monthly costs based on a 3% annual care cost inflation rate.
| Care Type | Today | In 5 Years | In 10 Years |
|---|---|---|---|
| Home Care | $6,101 | $7,073 | $8,199 |
| Adult Day Care | $1,625 | $1,884 | $2,184 |
| Assisted Living | $5,610 | $6,504 | $7,539 |
| Memory Care(Est.) | $7,000 | $8,115 | $9,407 |
| Nursing Home (Semi-Private) | $10,342 | $11,989 | $13,899 |
| Nursing Home (Private Room) | $12,167 | $14,105 | $16,351 |
* Projections are estimates based on historical care cost inflation trends. Actual costs may vary.
Total Cost of Care Over Time
Cumulative cost if care begins today, including 3% annual inflation. These totals show what families in Florida can expect to pay over multi-year care periods.
| Care Type | 3 Years | 5 Years | 10 Years |
|---|---|---|---|
| Home Care | $226,291 | $388,692 | $839,294 |
| Adult Day Care | $60,273 | $103,528 | $223,546 |
| Assisted Living | $208,079 | $357,411 | $771,748 |
| Memory Care | $259,636 | $445,967 | $962,966 |
| Nursing Home (Semi-Private) | $383,593 | $658,885 | $1,422,713 |
| Nursing Home (Private Room) | $451,284 | $775,155 | $1,673,772 |
* Cumulative totals assume continuous care starting today with 3% annual inflation compounding each year.
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Your Cost Estimate
Today's Monthly Cost
$12,167/mo
NH Private Room · Florida
Monthly Cost Today
$12,167/mo
3% inflation · 3 years of care
Don't rush to sell the home
Bridge loans, HELOCs, and reverse mortgages can fund care without selling.
Care costs rise 3–5% annually
Factor long-term inflation into all planning models.
Medicaid lookback is 5 years
Planning must begin well before care is needed to protect assets.
Source: CareScout 2025 Cost of Care Survey (updated March 2026)
* AK NH Private Room: A Place For Mom. ADC — DE: Genworth; DC: PayingForSeniorCare; ID: MedicaidLongTermCare.org; SD: Genworth; VT: VT Adult Services Div.; WV: CareCostIndex.com.
Key Insights for Florida
Updated October 2026Assisted living in Florida costs $5,610/month in 2026 — 10% below the national median of $6,200.
A semi-private nursing home room in Florida runs $10,342/month, 8% above the national median of $9,581.
In-home care in Florida averages $6,101/month for roughly 44 hrs/week ($32/hr) — 9% below the national median.
The most affordable long-term care option in Florida is adult day care at $1,625/month.
Memory care in Florida runs about $7,000/month — roughly 25% above the assisted living rate, the typical industry markup (CareScout does not publish memory care data separately).
A private nursing home room in Florida costs $12,167/month — 13% above the national median of $10,798.
Medicaid in Florida can cover nursing home care for applicants under the $2,982/month income limit (2026); see the Florida Medicaid guide for asset rules.
How to Pay for Long-Term Care in Florida
Families in Florida have several options to help cover the cost of senior care.
Florida Medicaid
Florida Medicaid is administered by the Agency for Health Care Administration (AHCA).
- Statewide Medicaid Managed Care (SMMC) Long-Term Care (LTC) Program: May cover support such as adult day health care, delivered meals, respite, and personal care.
Florida requires a Miller Trust (Qualified Income Trust) if your income is over the limit for nursing home or waiver Medicaid.
Read the Florida Medicaid guideVeterans Benefits
The VA Aid and Attendance benefit can provide up to $2,424/month for single veterans (or $2,874/month with a spouse) in Florida to help pay for assisted living, nursing home care, or in-home caregivers.
Long-Term Care Insurance
Long-term care insurance policies purchased before care is needed can cover a significant portion of assisted living, nursing home, and home care costs in Florida.
Personal Savings & Home Equity
Many Florida families use a combination of retirement savings, Social Security income, and home equity (through reverse mortgages or home sales) to fund long-term care.
Who to call in Florida
- Florida Long-Term Care Ombudsman Program
- 1-888-831-0404
Help with resident rights, complaints, and care-quality concerns in nursing homes and assisted living.
- Adult Protective Services
To reach Adult Protective Services in Florida, call the Eldercare Locator at 1-800-677-1116.
- Florida Area Agencies on Aging
Find local aging services for benefits counseling, caregiver support, and care-planning resources.
View Florida's Area Agencies on Aging list- Florida State Veterans Nursing Homes
- (727) 518-3202
Contact the veterans home or state office about care options for veterans.
Frequently Asked Questions About Florida Care Costs
The average cost of assisted living in Florida is $5,610 per month, or $67,320 per year. This is 10% below the national average of $6,200 per month. Assisted living facilities in Florida typically include personal care, meals, medication management, and social activities.
Nursing home care in Florida costs an average of $10,342 per month for a semi-private room. A private room runs $12,167 per month, or $146,004 per year. Florida nursing home costs are above the national average of $9,581 per month for a semi-private room. Medicare only covers short rehab stays. For long stays, most families pay privately until savings run low, then Medicaid steps in.
Florida long-term care costs are close to the national average. Monthly costs range from $1,625 for the most affordable option to $10,342 for the most expensive. Planning early can help families in Florida prepare financially.
There are several ways to pay for nursing home and long-term care in Florida: (1) Medicaid — Florida's Medicaid program covers nursing home care for eligible residents who meet income and asset limits. (2) Medicare — covers short-term skilled nursing after a hospital stay, but not long-term custodial care. (3) Long-term care insurance — if purchased in advance, policies can help cover assisted living, nursing home, and home care costs. (4) Veterans benefits — the VA Aid and Attendance benefit helps eligible veterans and surviving spouses pay for care. (5) Personal savings and assets — many families use a combination of savings, home equity, and retirement funds.
The most affordable long-term care option in Florida is adult day care at $1,625 per month, followed by assisted living at $5,610 per month. Adult day care provides daytime supervision, activities, and meals while allowing seniors to return home in the evening — making it a popular choice for families with a caregiver at home.
Florida's SMMC Long-Term Care program replaced several older home and community-based waivers. Depending on a person's needs, its benefits may include emergency alert systems and help with daily care. Ask which services are available through the person's plan when comparing care options.
Start with your local Area Agency on Aging for benefits counseling, caregiver support, and help finding community services. LTCareNav's Florida Area Agencies on Aging list helps you find local care-planning resources. For questions about resident rights or concerns about nursing home or assisted living care, contact the Florida Long-Term Care Ombudsman Program at 1-888-831-0404.
Compare Nearby States
See how Florida's long-term care costs compare to neighboring states.
More Florida Long-Term Care Resources
Check Medicaid Eligibility
See Florida's Medicaid income and asset limits, programs, and how to apply.
View Florida Medicaid GuideGet a Personalized Plan
Create a free care roadmap tailored to your finances, health, and location.
Create Free AccountSource: CareScout Cost of Care Survey, July–November 2025, released March 2026 (Genworth/CareScout). Monthly NH figures = annual ÷ 12 (365-day basis). Non-medical caregiver = 44 hrs/week × 52 weeks ÷ 12. Memory care is an estimate (assisted living x 1.25). CareScout does not publish memory care data.