2026 National Senior Care Cost Index • Updated with U.S. Census ACS & CMS Medicare Data Covering 51 States & DC • 29,639 Cities • 14,676 CMS Facilities

2026 Senior Living & Nursing Home Costs in Florida

Compare monthly care rates across 524 cities and 694 CMS-certified nursing facilities in Florida.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 694 Avg. Home Value: $282,316
Assisted Living🏠
$6,340/mo
$76,080/year
≈ U.S. average
Memory Care🧠
$7,730/mo
$92,760/year
≈ U.S. average
Home Care (44h/wk)🤝
$6,830/mo
$35.80 per hour
≈ U.S. average
Nursing Home (Semi)🏥
$9,800/mo
Private room: $11,050/mo
≈ U.S. average

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

1. Select Care Setting & Schedule
Assisted Living$6,340/mo
Memory Care$7,730/mo
Home Care$35.80/hr
Nursing Semi$9,800/mo
Nursing Priv$11,050/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/mo)
LTC Insurance / VA Benefit ($/mo)
VA Aid & Attendance up to $2,358/mo
3. Capital & Home Equity Reserves
Liquid Savings & IRA ($)
Home Value / Equity ($) Net: $263k
Auto-deducts 7% realtor & closing costs
Total Projected Care Cost
$0
Year 1 → Year 3
Net Out-of-Pocket Gap
$0
Initial monthly shortfall: $0/mo
Annual Care Cost vs. Remaining Capital End Balance: $0
Annual Care Cost (Inflation-Adjusted) Remaining Net Capital
2026 Cost Crossover Analysis

Home Care vs. Assisted Living Break-Even Point in Florida

40.9 hrs/wk Break-even threshold

At Florida's average caregiver rate of $35.80/hr, hiring in-home care equals the $6,340/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.9 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$3,102/mo

Saves $3,238/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,825 vs. $6,340/mo

Full-time home care costs $485/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,410/mo

Assisted Living saves $6,070/mo; Memory Care averages $7,730/mo.

Major Cities in Florida

Sorted by number of Medicare-certified care facilities and local market size.

City County Assisted Living Memory Care Nursing Home (Semi) Median Home Value CMS Facilities
Jacksonville Duval $5,800/mo $7,080/mo $8,960/mo $274,900 33
Miami Miami-dade $6,740/mo $8,220/mo $10,410/mo $425,400 25
Saint Petersburg Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 23
Sarasota Manatee $6,460/mo $7,880/mo $9,980/mo $359,800 23
Orlando Brevard $6,210/mo $7,580/mo $9,600/mo $304,400 21
Tampa $6,340/mo $7,730/mo $9,800/mo $336,037 18
Pensacola Escambia $5,310/mo $6,480/mo $8,200/mo $234,200 15
Clearwater Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 13
Fort Myers Lee $6,510/mo $7,940/mo $10,060/mo $326,300 13
Lakeland Polk $5,350/mo $6,530/mo $8,260/mo $240,000 12
Boca Raton Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 11
Naples Collier $7,320/mo $8,930/mo $11,310/mo $486,800 11
West Palm Beach Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 11
Bradenton Manatee $6,460/mo $7,880/mo $9,980/mo $359,800 10
Daytona Beach Volusia $5,690/mo $6,940/mo $8,800/mo $278,000 10
Ocala Marion $4,930/mo $6,010/mo $7,620/mo $220,800 10
Gainesville Alachua $5,180/mo $6,320/mo $8,010/mo $266,800 9
Orange Park Clay $6,540/mo $7,980/mo $10,110/mo $281,500 8
Tallahassee Leon $5,280/mo $6,440/mo $8,150/mo $279,800 8
Deland Volusia $5,690/mo $6,940/mo $8,800/mo $278,000 7
Lake Worth Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 7
Port Charlotte Charlotte $5,470/mo $6,670/mo $8,450/mo $291,000 7
Winter Haven Polk $5,350/mo $6,530/mo $8,260/mo $240,000 7
Kissimmee Osceola $6,520/mo $7,950/mo $10,080/mo $317,600 6
Largo Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 6
Melbourne Brevard $6,210/mo $7,580/mo $9,600/mo $304,400 6
New Port Richey Pasco $5,730/mo $6,990/mo $8,850/mo $265,800 6
Port Saint Lucie Saint Lucie $6,340/mo $7,730/mo $9,800/mo $336,037 6
Saint Augustine Saint Johns $6,340/mo $7,730/mo $9,800/mo $336,037 6
Venice Sarasota $7,050/mo $8,600/mo $10,900/mo $373,100 6
Vero Beach Indian River $5,600/mo $6,830/mo $8,660/mo $314,700 6
Boynton Beach Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 5
Brooksville Hernando $5,160/mo $6,300/mo $7,980/mo $240,700 5
Delray Beach Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 5
Fort Lauderdale Broward $7,110/mo $8,670/mo $10,980/mo $380,400 5
North Miami Beach Miami-dade $6,740/mo $8,220/mo $10,410/mo $425,400 5
Pompano Beach Broward $7,110/mo $8,670/mo $10,980/mo $380,400 5
Winter Park Orange $6,840/mo $8,340/mo $10,560/mo $358,300 5
Brandon Hillsborough $6,420/mo $7,830/mo $9,920/mo $333,300 4
Dunedin Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 4
Hialeah Miami-dade $6,740/mo $8,220/mo $10,410/mo $425,400 4
Hudson Pasco $5,730/mo $6,990/mo $8,850/mo $265,800 4
Lake City Columbia $4,340/mo $5,290/mo $6,710/mo $186,400 4
Leesburg Lake $6,070/mo $7,410/mo $9,370/mo $287,900 4
Ormond Beach Volusia $5,690/mo $6,940/mo $8,800/mo $278,000 4
Palm Beach Gardens Palm Beach $7,340/mo $8,950/mo $11,350/mo $407,300 4
Palm Harbor Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 4
Panama City Bay $5,950/mo $7,260/mo $9,200/mo $276,900 4
Saint Cloud Osceola $6,520/mo $7,950/mo $10,080/mo $317,600 4
The Villages Sumter $5,510/mo $6,720/mo $8,520/mo $356,000 4
Apopka Orange $6,840/mo $8,340/mo $10,560/mo $358,300 3
Cape Coral Lee $6,510/mo $7,940/mo $10,060/mo $326,300 3
Clermont Lake $6,070/mo $7,410/mo $9,370/mo $287,900 3
Crestview Okaloosa $6,360/mo $7,760/mo $9,830/mo $324,800 3
Eustis Lake $6,070/mo $7,410/mo $9,370/mo $287,900 3
Fort Pierce Saint Lucie $6,340/mo $7,730/mo $9,800/mo $336,037 3
Fort Walton Beach Okaloosa $6,360/mo $7,760/mo $9,830/mo $324,800 3
Hollywood Broward $7,110/mo $8,670/mo $10,980/mo $380,400 3
Inverness Citrus $4,550/mo $5,550/mo $7,030/mo $223,200 3
Lecanto Citrus $4,550/mo $5,550/mo $7,030/mo $223,200 3
Live Oak Suwannee $4,340/mo $5,290/mo $6,710/mo $160,900 3
Longwood Seminole $7,050/mo $8,600/mo $10,890/mo $357,300 3
Lutz Hillsborough $6,420/mo $7,830/mo $9,920/mo $333,300 3
Marianna Jackson $4,340/mo $5,290/mo $6,710/mo $113,900 3
Merritt Island Brevard $6,210/mo $7,580/mo $9,600/mo $304,400 3
Milton Santa Rosa $6,580/mo $8,030/mo $10,160/mo $302,100 3
Ocoee Orange $6,840/mo $8,340/mo $10,560/mo $358,300 3
Palm Bay Brevard $6,210/mo $7,580/mo $9,600/mo $304,400 3
Pembroke Pines Broward $7,110/mo $8,670/mo $10,980/mo $380,400 3
Pinellas Park Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 3
Seminole Pinellas $6,230/mo $7,600/mo $9,630/mo $319,000 3
Stuart Martin $6,470/mo $7,890/mo $10,000/mo $386,500 3
Sun City Center Hillsborough $6,420/mo $7,830/mo $9,920/mo $333,300 3
Titusville Brevard $6,210/mo $7,580/mo $9,600/mo $304,400 3
Winter Garden Orange $6,840/mo $8,340/mo $10,560/mo $358,300 3
Zephyrhills Pasco $5,730/mo $6,990/mo $8,850/mo $265,800 3
Altamonte Springs Seminole $7,050/mo $8,600/mo $10,890/mo $357,300 2
Avon Park Highlands $4,340/mo $5,290/mo $6,710/mo $177,900 2
Blountstown Calhoun $4,340/mo $5,290/mo $6,710/mo $134,000 2
Chipley Washington $4,340/mo $5,290/mo $6,710/mo $156,000 2

Florida Senior Care FAQ (2026)

The statewide average for assisted living in Florida is $6,340 per month ($76,080 per year), compared to the U.S. national median of $6,200 per month.
In Florida, a semi-private room in a CMS-certified nursing home averages $9,800 per month, while a private room averages $11,050 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Florida is $2,901 per month.