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Cost of Assisted Living in Clearwater, Florida

Page Reviewed / Updated - May 22, 2019

This guide provides information on the cost of senior care in Clearwater, from in-home care and assisted living to adult day care and nursing homes, with an overview of the monthly cost for each. Financial assistance programs for seniors in Clearwater as well as low-income housing and more resources are also covered. Read more about financial assistance programs at the statewide level in our guide to paying for senior care in Florida.

The Cost of Senior Living and Care in Clearwater

In the Clearwater area, assisted living and home care is slightly cheaper than the state average, and comparable with other areas such as Miami and Orlando. According to the Genworth 2018 Cost of Care Survey, adult day care is about 20 percent more expensive in Clearwater as compared to the state median while nursing home care is only about 2 percent more costly in Clearwater.

NoteData on the average cost of senior care wasn't available for Clearwater, so the data for the closest major city, Tampa, was used.

How much does Assisted Living Cost in Clearwater?

The average cost of assisted living in Clearwater is $3,250 a month, which is slightly cheaper than the Florida average of $3,500. These costs put Clearwater in line with locations such as Miami and Orlando at $3,350 and $3,275 a month, respectively.

The cheapest nearby area for assisted living is Lakeland at $2,808 a month, and the most expensive nearby area is Cape Coral at $4,000 a month.

How much does Home Care Cost in Clearwater?

The average cost of home care in the Clearwater area is $3,718 a month based on the yearly rate assuming 44 hours of care each week. This makes Clearwater slightly cheaper than the state average of $3,804 a month.

In nearby areas such as Lakeland and Sebring, home healthcare is substantially cheaper at $3,337 and $3,051 per month, respectively. The most expensive areas are Orlando at $4,004 and Cape Coral, $3,909 monthly.

How much does Adult Day Care Cost in Clearwater?

The average cost of adult day care in the Clearwater area is $1,907 a month, which makes it just over 20 percent more expensive than the rest of Florida on average. In nearby Lakeland, the average cost is considerably lower at $1,365 a month.

The least expensive adult day healthcare in Florida is in Orlando with an average cost of $1,300 a month, and the most expensive areas are Clearwater itself and North Port which are both $1,907 a month.

How much does Nursing Home Costs in Clearwater?

The average cost of nursing home care in Clearwater is one of the highest in Florida at $8,319 but is only slightly more expensive than the state average of $8,152 a month. In nearby North Port, nursing home care is even more expensive at $8,669 a month.

Lakeland is only about $15 a month cheaper than Clearwater, but Sebring is $1,171 less per month for nursing home care.

Financial Assistance Programs in Clearwater

Medicaid Program in Clearwater

In Clearwater, seniors can take advantage of the Statewide Medicaid Managed Care (SMMC) program which was put in place in 2014 to better organize the Home and Community Based Services (HCBS) Medicaid waivers previously offered in Florida.

Applicants to the SMMC program can choose between one or more of these plans:

  • Long-Term Care (LTC)
  • Managed Medical Assistance (MMA)
  • Dental

Seniors who are looking for help paying for assisted living, nursing homes and in-home care will need to apply for the Long-Term Care (LTC) program. The Managed Medical Assistance (MMA) program provides assistance to pay for various services including prescription drugs, mental health, doctor and hospital visits and transportation for these purposes.

Applicants must meet these eligibility requirements:

  • Legal resident of Florida
  • At least 65 years old (or disabled by Social Security standards if under 65)
  • Assessed as needing a nursing facility level of care
  • Meets the financial requirements (based on income and assets limited to $2,313 a month for an individual as of 2019)

Medicaid assistance to pay for nursing homes is an entitlement in Florida. This means that anyone who meets the above requirements is guaranteed to receive state assistance to stay in a nursing home without being put on a waiting list.

Medicaid assistance for assisted living or in-home care is not an entitlement in Florida. Applicants may be put on a waiting list to receive assistance for these services, with those deemed most in need given priority.

Seniors who wish to apply for any of the SMMC programs should contact their local Area Agency on Aging, which is the Pasco-Pinellas branch for Clearwater residents. The Elder Hotline can also help, which can be reached at (800) 262-2243 to request a preliminary interview.

In either case, applicants or their guardians should gather all necessary financial and medical information to be ready for the interview. After this screening has taken place, applicants are prioritized based on their needs and will then be assisted immediately or put on a waiting list.

More detailed information on Florida's SMMC programs and application process can be found in our SMMC guide.

Other Financial Assistance Programs

Optional State Supplementation (OSS)

The OSS program is available for Clearwater residents aged 65 or over. This provides assistance paying for room and board in some residential care facilities such as assisted living, mental health treatment facilities and adult family care homes. These facilities must be enrolled as Medicaid providers of Assistive Care Services to qualify for the program. OSS is administered by Florida's Department of Children and Families (DCF).

More information about eligibility, payments and the application process can be found in our OSS guide.

Community Care for the Elderly (CCE)

Clearwater residents aged 60 or over who have been assessed as functionally impaired but would like to remain living outside of residential facilities can take advantage of the CCE program. Seniors in the CCE program can get help with a range of services including medical therapeutic, personal care, assistance with shopping, medical supplies, adult day care, home aides and more.

More information about the services provided, eligibility requirements and application process can be found in our CCE guide.

Respite for Elders Living in Everyday Families (RELIEF)

The RELIEF program in Clearwater is designed to help the caregivers of seniors who can no longer care for themselves, including those diagnosed with Alzheimer's or dementia. The state hopes that by financially assisting caregivers it can delay the need for institutionalized care and therefore allow seniors to live with family for longer. For Clearwater residents, the RELIEF program is managed by the Pasco-Pinellas branch of Area Agencies on Aging.

More information on this program including eligibility requirements and benefits can be found in our RELIEF guide.

Alzheimer's Disease Initiative (ADI)

Clearwater seniors and their caregivers may benefit from the ADI which provides education and services for Alzheimer's, dementia and other memory disorders. Services include both short- and long-term respite, either in-home or in a facility, as well as case management, caregiver counseling and training, diagnostics and medical supplies. The ADI is not available for anyone already enrolled in a Medicaid funded long-term care program.

More information about the eligibility requirements, application process and list of available services can be found in our ADI guide.

Home Care for the Elderly (HCE)

The HCE program provides payments to caregivers in Clearwater who care for low-income seniors. Seniors who live in their own home, as well as those who live in the caregiver's home, are both eligible for this program. The payments from this program break down into two categories. Basic payments are for medical services, housing expenses, meals and clothing. Special payments are for things like medical equipment and home aides. Payments for both categories are paid directly to the caregiver.

More information about the eligibility requirements, available services and application process can be found in our HCE guide.

More Senior Living Resources in Clearwater


Phone Number


Clearwater Housing Authority

(727) 461-5777

The Clearwater Housing Authority manages multiple high-rises as well as single-family homes for low-income residents aged 50 or over. These properties have federally subsidized rent as part of the Public Housing Program.

Casa Miguel Apartments

(727) 797-8551

This apartment block on the northeast side of Clearwater offers low-income housing for seniors aged 62 or over. It is managed by Catholic Charities, and rent is subsidized by the Department of Housing and Urban Development (HUD).

Prospect Towers

(727) 447-5701

Prospect Towers of Clearwater is an apartment building for low-income residents aged 55 or over. There are 208 apartments in total with free utilities, and rent is subsidized by HUD.

Clear Bay Terrace

(727) 443-0411

This apartment block has 100 one-bedroom units available for seniors aged 62 or over and the disabled. Rent is subsidized by HUD.

Creekside Manor I and II

(727) 441-8400

Creekside Manor I on Franklin Street and Creekside Manor II on Pierce Street in Clearwater are two apartment buildings for low-income seniors aged 62 or over. Rent is subsidized by HUD.

Home Energy Assistance


Low-income seniors aged 60 or over can receive emergency assistance to pay for heating and cooling in their home. This assistance is provided through Florida's Emergency Home Energy Assistance for the Elderly Program (EHEAP).