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
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Senior Care & Assisted Living Costs in Miami, FL

2026 monthly care rates for Miami (Miami-dade County), local Census affordability metrics, and 25 CMS-certified care facilities.

Assisted Living🏠
$6,740/mo
$80,880/yr
+9% vs U.S. avg
Memory Care🧠
$8,220/mo
$98,640/yr
+9% vs U.S. avg
In-Home Care🤝
$38.02/hr
$7,250/mo (44h/wk)
+9% vs U.S. avg
Nursing Home (Semi)🏥
$10,410/mo
Private: $11,730/mo
+9% vs U.S. avg

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$6,740/mo
Memory Care$8,220/mo
Home Care$38.02/hr
Nursing Semi$10,410/mo
Nursing Priv$11,730/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $396k
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 Miami, FL

40.9 hrs/wk Break-even threshold

At Miami, FL's average caregiver rate of $38.02/hr, hiring in-home care equals the $6,740/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
$3,295/mo

Saves $3,445/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,249 vs. $6,740/mo

Full-time home care costs $509/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,179/mo

Assisted Living saves $6,439/mo; Memory Care averages $8,220/mo.

Miami vs. Florida & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Miami-dade County economic indicators.

Miami, FL$6,740/mo
Florida State Average$6,340/mo
U.S. National Median$6,200/mo

Miami-dade County Economic Context (U.S. Census)

Official ACS 5-Year benchmarks used to model local care affordability (see methodology).

Median Household Income $68,694/yr ($5,725/mo)
Median Home Value $425,400
Median Gross Rent $1,731/mo
Florida Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Miami, FL

Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.

Unity Healthcare And Rehabilitation Center
1404 Nw 22Nd Street, Miami, FL 33142 • 3053251050
294 Certified Beds For profit - Individual CCN: 105510
5/5 CMS Rating
Victoria Nursing & Rehabilitation Center, Inc.
955 Nw 3Rd St, Miami, FL 33128 • 3055484020
264 Certified Beds For profit - Corporation CCN: 106031
5/5 CMS Rating
Harmony Health Center
9820 N Kendall Drive, Miami, FL 33176 • 3052716311
203 Certified Beds For profit - Corporation CCN: 686124
5/5 CMS Rating
Jackson Memorial Long Term Care Center
2500 Nw 22Nd Ave, Miami, FL 33142 • 7864663000
180 Certified Beds Government - County CCN: 105392
5/5 CMS Rating
Palace At Kendall Nursing And Rehabilitation Cente
11215 Sw 84Th Street, Miami, FL 33173 • 3052712225
180 Certified Beds For profit - Partnership CCN: 105719
5/5 CMS Rating
South Dade Nursing And Rehabilitation Center
17475 S Dixie Hwy, Miami, FL 33157 • 3052551045
180 Certified Beds For profit - Corporation CCN: 106132
5/5 CMS Rating
Kendall Lakes Healthcare And Rehab Center
5280 Sw 157 Avenue, Miami, FL 33185 • 7864337400
150 Certified Beds For profit - Corporation CCN: 686123
5/5 CMS Rating
Shoreside Health And Rehabilitation Center
201 Ne 112Th Street, Miami, FL 33161 • 3058994700
150 Certified Beds For profit - Corporation CCN: 105711
5/5 CMS Rating
Ponce Health And Rehabilitation Center
335 Sw 12 Avenue, Miami, FL 33130 • 3055456695
147 Certified Beds For profit - Limited Liability company CCN: 106021
5/5 CMS Rating
Riverside Care Center
899 Nw 4Th Street, Miami, FL 33128 • 3053261236
120 Certified Beds For profit - Individual CCN: 105432
5/5 CMS Rating
West Gables Health Care Center
2525 Sw 75Th Avenue, Miami, FL 33155 • 3052659391
120 Certified Beds For profit - Individual CCN: 105623
5/5 CMS Rating
Hialeah Shores Nursing And Rehab Center
8785 Nw 32Nd Avenue, Miami, FL 33147 • 3056915711
106 Certified Beds For profit - Corporation CCN: 105511
5/5 CMS Rating
Palmetto Subacute Care Center
7600 Sw 8Th Street, Miami, FL 33144 • 3052612525
95 Certified Beds For profit - Corporation CCN: 105939
5/5 CMS Rating
Floridean Health & Rehabilitation Center
47 Nw 32Nd Place, Miami, FL 33125 • 3056492911
90 Certified Beds For profit - Limited Liability company CCN: 106007
5/5 CMS Rating
Coral Gables Nursing And Rehabilitation Center
7060 Sw 8Th Street, Miami, FL 33144 • 3052611363
87 Certified Beds For profit - Limited Liability company CCN: 105005
5/5 CMS Rating
Miami Jewish Health Systems, Inc
5200 Ne 2Nd Avenue, Miami, FL 33137 • 3057518626
393 Certified Beds Non profit - Corporation CCN: 105030
4/5 CMS Rating
University Health And Rehabilitation Center
724 Nw 19Th St, Miami, FL 33136 • 3059170400
148 Certified Beds For profit - Limited Liability company CCN: 106100
4/5 CMS Rating
Jackson Gardens Health And Rehabilitation Center
1861 Nw 8Th Avenue, Miami, FL 33136 • 3053473380
120 Certified Beds For profit - Limited Liability company CCN: 106034
4/5 CMS Rating
St Annes Nursing Center, St Annes Residence Inc
11855 Quail Roost Drive, Miami, FL 33177 • 3052524000
213 Certified Beds Non profit - Corporation CCN: 105560
3/5 CMS Rating
Coral Reef Subacute Care Center Llc
9869 Sw 152Nd Street, Miami, FL 33157 • 3052553220
180 Certified Beds For profit - Limited Liability company CCN: 105910
3/5 CMS Rating
Miami Shores Nursing And Rehab Center
9380 Nw 7Th Avenue, Miami, FL 33150 • 3057598711
99 Certified Beds For profit - Limited Liability company CCN: 105449
3/5 CMS Rating
Pines Nursing Home
301 Ne 141 Street, Miami, FL 33161 • 3058931102
46 Certified Beds For profit - Limited Liability company CCN: 105057
3/5 CMS Rating
Azure Shores Rehab
800 Nw 95Th Street, Miami, FL 33150 • 3058361550
120 Certified Beds For profit - Limited Liability company CCN: 105903
2/5 CMS Rating
Sierra Lakes Nursing & Rehabilitation Center
220 Sierra Drive, Miami, FL 33179 • 3056538427
180 Certified Beds For profit - Individual CCN: 106131
1/5 CMS Rating
Gardens Nursing And Rehab Center
190 Ne 191St Street, Miami, FL 33161 • 3056519690
120 Certified Beds For profit - Corporation CCN: 105765
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Miami

The estimated median cost of assisted living in Miami, FL is $6,740 per month ($80,880 per year), adjusted for Miami-dade County housing and income data.
A semi-private room in a skilled nursing facility in Miami averages $10,410 per month, while a private room averages $11,730 per month.
In-home caregiver services in Miami, FL average $38.02 per hour, or roughly $7,250 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Florida is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Florida Cities

Miami Beach, FL $6,740/mo Key Biscayne, FL $6,740/mo Opa Locka, FL $6,740/mo Hialeah, FL $6,740/mo North Miami Beach, FL $6,740/mo Hallandale, FL $7,110/mo Hollywood, FL $7,110/mo Pembroke Pines, FL $7,110/mo Dania, FL $7,110/mo Fort Lauderdale, FL $7,110/mo Homestead, FL $6,740/mo Pompano Beach, FL $7,110/mo