Cost of Assisted Living in Saint Petersburg, Florida

Page Reviewed / Updated - September 2019

This guide offers information on the cost of the different types of assisted living in Saint Petersburg. It also includes information on the types of financial assistance available, the different types of programs for seniors and additional housing resources. For more information on what's offered within the state, check out the guide for Florida.

The Cost of Senior Living and Care in Saint Petersburg

In Saint Petersburg, assisted living is slightly more affordable than other major cities in the state. According to the 2018 Genworth Cost of Care Survey, the average monthly cost of assisted living is $3,250, which is approximately $750 less than the national average. Saint Petersburg is also less expensive than both the state and national averages for assisted living, home care and nursing home care.

Note: Senior care cost data wasn't available for Saint Petersburg, so data for the closest city, Tampa, was used.

Saint Petersburg Assisted Living Costs

The average cost of assisted living in Saint Petersburg is $3,250, which is $250 less than the state average. In comparison to other major cities, like Orlando, Panama City and Pensacola, assisted living in Saint Petersburg is the most affordable option. Those looking to pay even less per month for assisted living can look in Lakeland, the least expensive city surveyed.

Saint Petersburg Home Care Costs

Seniors who require care but prefer to stay in their own homes in Saint Petersburg will pay $3,718 per month for home care services. This is approximately $90 less than the state average and is less expensive than major cities like Orlando, which is almost $300 more per month and Panama City, which is nearly $670 more. The least expensive cities in the state, Pensacola and Lakeland, cost $3,575 per month and $3,337 per month, respectively.

Saint Petersburg Adult Day Care Costs

Adult day care in Saint Petersburg is $1,907, almost $500 more than the state average of $1,463 and the highest costs among the compared cities. The least expensive option for adult day care is in Orlando: $1,300 per month. The second least expensive option is in Lakeland: $1,365 per month.

Saint Petersburg Nursing Home Costs

In Saint Petersburg, nursing home care costs $8,319 per month. This is more expensive than all other cities with the exception of Punta Gorda at $8,502 per month. The cities with the lowest costs were Panama City, $7,452 per month and Pensacola, $7,817 per month.

Financial Assistance Programs in Saint Petersburg

Medicaid Program in Saint Petersburg

Medicaid is an entitlement program in which everyone who qualifies receives assistance. It's funded by both the state and local governments and pays for nursing home care and some limited care services for low-income seniors, where it is medically necessary. For care outside of a nursing home, waivers provide assistance to those who qualify.

To be eligible for Medicaid in Florida, the state and federal government look at income, total assets and the level of care needed. In 2019, the income limit for nursing home care and home and community-based services was $2,313 per month with no more than $2,000 in assets for individuals or when online one person in a marriage applied. For married couples, the income cap is $4,626 per month with assets totaling no more than $3,000. These income limits were lower for those who were blind or disabled. In this case, the average monthly income could total no more than $891 per month with no more than $5,000 in assets. For married couples, the income limit was $1,208 and no more than $6,000 in assets.

In Florida, residents age 65 and older who do not meet the eligibility requirements may receive Medicaid in two additional ways, though the Medically Needy Pathway and Qualified Income Trusts (QITs). Through the Medically Needy program, seniors who have incomes and assets over the normal limits may still qualify for Medicaid if their medical bills are high enough. Also referred to as Share of Costs, this program helps an individual pay for those bills. QITs are also referred to a Miller Trusts. Through a trust, individuals may deposit excess income into a deposit account and assign a trustee. Once complete, this income is no longer considered towards the Medicaid limits.

Aside from income, additional requirements for Medicaid include:

  • Must be a U.S. citizen
  • Have or can obtain a valid social security number
  • Be a Florida resident

To apply for Medicaid in Florida, contact a local Department of Children and Families (DCF) at (772) 552-2500 or call the toll-free number at (800) 762-2237. You may also visit online at http://www.myflorida.com/accessflorida/

Medicaid Waivers in Saint Petersburg

The Florida Statewide Medicaid Managed Long Term Care Program is the only available Medicaid waiver available. This waiver is designed to help the elderly and permanently disabled adults who wish to stay in their homes or in the homes of their caregivers and still receive assistance. To qualify, seniors must be at least 65 years old — seniors under 65 and disabled may also qualify for state Medicaid. The program provides adult companionship, adult day care, medical equipment and supplies, home-delivered meals and transportation. To apply, contact the statewide Elder helpline at (800) 96-ELDER.

Other Financial Assistance Programs in Saint Petersburg

Supplemental Security Insurance (SSI)

SSI is a state Medicaid program that is available for seniors who are currently receiving SSI benefits. The monthly income caps are the same for disabled seniors who receive regular Medicaid. The monthly income limit is $891 for individuals and $1,208 for couples. There is also an asset cap of $5,000 for individuals and $6,000 for couples. To apply, visit the Access Florida website or call (866) 762-2237.

Optional State Supplementation Program (OSS)

OSS is offered by the Florida Department of Children and Families for seniors who can't live alone and require residential treatment. Payment is provided directly to the assisted living facility or caretaker, and it's intended to help with the cost of room and board. Eligible individuals must be U.S. citizens aged 65 or older who have a monthly income limit of $849.40 for individuals and $1,698 for couples.

Project Respite for Elders Living in Everyday Families (R.E.L.I.E.F.)

R.E.L.I.E.F. is a program that pairs qualified volunteers with families who care for seniors in their homes. The volunteers take over and allow caregivers a chance to take a break and care for themselves. To qualify for assistance, individuals must be 60 or older, unable to care for themselves and have a limited income.  To apply, contact the Pasco-Pinellas Area Agency on Aging or by calling 1-800-963-5337.

Alzheimer's Disease Initiative (ADI)

ADI helps families with loved ones who have been diagnosed with Alzheimer's. The service provides respite care, medical equipment and supplies, caregiver training and counseling and support groups. To apply, contact the Pasco-Pinellas Area Agency on Aging or by calling 1-800-963-5337.

Community Care for the Elderly (CCE)

CCE helps seniors who require assisted living care to live at home or with family members while still getting the help they need. Individuals must be 60 or older and functionally impaired. To apply, contact the Pasco-Pinellas Area Agency on Aging or by calling 1-800-963-5337.

Home Care for the Elderly (HCE)

HCE is designed for seniors 60 and older who are living with family or in private homes. This subsidy pays for some medical costs as well as support and maintenance. It may also pay for medical supplies, wheelchairs, assistive devices, home modifications and home nursing. To apply, contact the Pasco-Pinellas Area Agency on Aging or by calling 1-800-963-5337.

Local Services Program

The local services program is a collection of available services for seniors who require daily assistance. Some of the benefits include congregate meals, wellness education, home-delivered meals, caregiver training, non-medical transport and personal emergency and response systems. To apply, contact the Pasco-Pinellas Area Agency on Aging or by calling 1-800-963-5337.

More Senior Living Resources in Saint Petersburg

Resource

Phone Number

Description 

Saint Petersburg Housing Authority

(727) 323-3171

The Saint Petersburg Housing Authority offers subsidies to assist seniors in paying for rent. This program typically has a long wait list, but it's possible to apply at more than one Public Housing Agency (PHA). 

Senior Exemption 

(727) 464-3207 

Seniors who own a home in Saint Petersburg, are 65 or older and whose income is less than 30,174 in 2019 may qualify for an additional tax break called the Senior Exemption. 

Emergency Home Energy Assistance Program 

(800) 963-5337

This program assists low-income seniors over the age of 60 who need help with their electricity bill. To be eligible, households must bring a copy of the bill to prove a heating or cooling emergency exists, have at least one individual who is age 60 or older in the home and have an income that is 150 percent lower than the federal poverty guidelines.