How much does assisted living cost in Florida?

Assisted living in Florida averages $4,500/month in 2026. The national median is $4,500/month. Assisted living covers housing, meals, and help with daily activities but does not include skilled nursing care.

How much does in-home care cost in Florida?

A home health aide in Florida costs $5,339/month (based on 44 hours/week) in 2026. For part-time help (20 hrs/week), expect roughly $2,700. Adult day care is the most affordable option at $1,733/month.

Does Medicare cover assisted living in Florida?

No. Medicare does not cover assisted living in Florida or any other state. Medicare covers up to 100 days of skilled nursing after a qualifying hospital stay — not long-term custodial care. Medicaid may cover nursing home costs for those who qualify financially (typically assets under $2,000). Most assisted living is paid privately through savings, Social Security, pensions, or long-term care insurance.

What is the cheapest senior care option in Florida?

Adult day care is the least expensive at $1,733/month in Florida. It provides daytime supervision, meals, and activities, but the person returns home each night. Part-time in-home aide (20 hrs/week) runs approximately $2,700/month. Assisted living at $4,500/month is significantly cheaper than nursing home care at $10,220/month.

Elder Care Cost in Florida (2026)

Q: How much does a nursing home cost in Florida?

A private room in a nursing home in Florida costs $10,220/month in 2026 — 5% above the national average of $9,733/month. A semi-private room runs $9,125/month. Nursing homes provide 24-hour skilled nursing care and are the most expensive senior care option.

Assisted living in Florida averages $4,500/month. Nursing home private room: $10,220/month (5% above national avg). In-home aide: $5,339/month.

Source: Genworth/CareScout Cost of Care Survey 2024–2025

Assisted Living

$4,500

per month

Nursing Home

$10,220

private room/mo

In-Home Aide

$5,339

44 hrs/week

Adult Day Care

$1,733

per month

vs. National

+$487

nursing home/mo

Senior Care Costs in Florida vs. National Average

Care Type	Florida/Month	National/Month	Florida/Year
Assisted Living	$4,500	$4,500	$54,000
Nursing Home (private room)	$10,220	$9,733	$122,640
Nursing Home (semi-private)	$9,125	$8,669	$109,500
In-Home Aide (44 hrs/week)	$5,339	$5,339	$64,068
Adult Day Care	$1,733	$1,603	$20,796

Which Care Type Fits?

Adult Day Care — $1,733/mo

Best for people who are safe at home nights/weekends but need daytime supervision, socialization, and health monitoring. Not available 24/7.

In-Home Aide — $5,339/mo

Covers personal care and home health aide services (44 hrs/week). For 24/7 in-home coverage, expect $12,000–$16,000/month — more than a nursing home. Part-time (20 hrs/week) runs roughly $2,700/mo.

Assisted Living — $4,500/mo

Housing, meals, and help with daily activities. No skilled nursing care. Right choice when daily medical supervision is not required. Memory care typically adds 20–30% to the base rate.

Nursing Home — $10,220/mo

24-hour registered nurse coverage, skilled care, and daily medical management. Required for wound care, IV medications, or post-acute rehab. Semi-private room: $9,125/mo.

Medicaid & Coverage in Florida

Florida Medicaid covers nursing home care after spend-down (asset limit ~$2,000). The Statewide Medicaid Managed Care Long-Term Care program covers home and assisted living care, but waitlists can run 2-4 years.

Medicare: Covers up to 100 days of skilled nursing after a 3-day hospital stay — not long-term care. After day 20, a $209.50/day copay applies.
Medicaid: Covers nursing home care for those who meet income/asset limits (typically under $2,000 in assets). Home and community-based waivers may cover assisted living or in-home care.
Long-term care insurance: A 55-year-old can buy $4,500/month benefit coverage for $1,400–$2,200/year. Premiums rise sharply with age.

What You'll Spend Over Time in Florida

At 3.5% annual inflation

Care Type	Year 1	Year 3	Year 5	Cumulative (5 yr)
Assisted Living	$54,000	$57,800	$62,000	$289,573
Nursing Home (pvt.)	$122,640	$131,400	$140,700	$657,652
In-Home Aide	$64,068	$68,600	$73,500	$343,562

Frequently Asked Questions

How much does a nursing home cost in Florida?

A private room costs $10,220/month ($122,640/year) in 2026. Semi-private runs $9,125/month. Florida is 5% above the national average of $9,733/month.

Is assisted living cheaper than a nursing home in Florida?

Yes. Assisted living in Florida averages $4,500/month vs. $10,220/month for a nursing home private room — a difference of $5,720/month. Assisted living does not include skilled nursing care, so it's appropriate only when daily medical supervision isn't required.

Does Medicare cover nursing home care in Florida?

Medicare covers up to 100 days of skilled nursing after a qualifying 3-day hospital stay — not long-term care. After day 20, you pay $209.50/day. After day 100, Medicare covers nothing. Medicaid covers long-term nursing home care for those who qualify (typically under $2,000 in assets).

What is the average cost of in-home care in Florida?

A home health aide costs $5,339/month for 44 hours/week in Florida. For 24/7 in-home care, expect $12,000–$16,000/month — more expensive than a nursing home. Part-time aide (20 hrs/week) runs roughly $2,700/month.

Compare Nearby States

Alabama

Assisted living: $3,750/mo

Nursing home: $7,756/mo

California

Assisted living: $5,750/mo

Nursing home: $11,680/mo

Georgia

Assisted living: $3,900/mo

Nursing home: $8,578/mo

Massachusetts

Assisted living: $5,800/mo

Nursing home: $14,235/mo

New York

Assisted living: $5,500/mo

Nursing home: $13,870/mo

Texas

Assisted living: $4,250/mo

Nursing home: $7,300/mo

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