Page Reviewed / Updated - May 17, 2019
This guide is intended to help seniors and their loved ones determine which Orlando senior living option is right for them. In addition to comparing senior living costs in various Florida cities, this guide provides information on resources for seniors who need financial assistance, as well as details on low-income senior housing. To learn more about senior living options and resources in the state, view our comprehensive guide to paying for senior care in Florida.
In Orlando, the monthly costs of senior care are mostly below state and national averages, but there are some exceptions. For example, while the average monthly cost of nursing home care in Orlando is $46 less than the state average, it's $665 higher than the national median.
The average monthly cost of home care services in Orlando is $4,004, which is on par with the national average. However, it's $200 more than Florida's monthly average.
The average monthly cost of assisted living and adult day care in Orlando are below both state and national averages. Orlando's average monthly assisted living cost is $3,275, while Florida's average is $3,500 and the national average is $4,000. Adult day care services in Orlando average $1,300 per month, which is $163 lower than the state's monthly average and $260 less than the national monthly average.
When it comes to monthly assisted living costs, Orlando really shines brightly. The city's average of $3,275 is only beaten by Tampa's $3,250 monthly average. Miami's average monthly cost of assisted living is $3,350, which is more than Orlando's average, but still less than Florida's average of $3,500.
Port St. Lucie has an average monthly assisted living cost that's $345 more than Orlando's average. North Port's average of $3,874, which is $599 more than Orlando's average, also falls mid-range compared to other areas of Florida.
Tallahassee, Jacksonville, and Pensacola have the highest average monthly costs for assisted living. Monthly assisted living costs in Tallahassee and Jacksonville average $1,000 per month more than Orlando's average. The costs in Pensacola are slightly better at $4,096 per month on average, $821 more than the Orlando monthly average.
The average cost of home care in Orlando and Tallahassee is $4,004, the highest average in the state. It's $200 more than the state average. Tampa and North Port come in right below Orlando with average monthly home care costs of $3,718 and $3,813 respectively.
Average home care costs in Jacksonville and Pensacola are about mid-range for the state. Jacksonville seniors should expect to pay about $3,670 per month for home care services, $334 less than Orlando seniors. and Pensacola seniors should expect to pay about $3,575 per month, $429 per month less than seniors in Orlando.
The average monthly cost of adult day care in Orlando is the second lowest in the state at $1,300. Only Tallahassee's average is lower at $1,246 per month.
At $1,408, Miami and Pensacola's average monthly adult day care costs are slightly higher than Orlando's but still less than the Florida average of $1,463 per month. Port St. Lucie has an average monthly cost for adult day care that's a bit higher at $1,517.
The average monthly cost of adult day care in Jacksonville is the highest in the state at $2,080. Tampa and North Port come in right below that with an average monthly cost of $1,907, which is $607 per month higher than Orlando's average.
At $8,106, Orlando's average monthly cost of nursing home care is one of the highest in the state. It's not quite as high as the state average though, which is $8,152 per month. Miami and North Port have the highest monthly average cost of nursing home care at $8,699, and Tampa's average of $8,319 is $213 higher than Orlando's.
Tallahassee's and Pensacola's average monthly cost of nursing home care comes in at $7,817, $289 lower than Orlando's monthly average. Port St. Lucie's monthly of $7,756 is just below that, and Jacksonville has the lowest monthly average cost of nursing home care in the state at $7,118.
Low-income seniors in Orlando may qualify for the state's Medicaid program, which is an entitlement program that's jointly operated by the state and federal government. Because it's an entitlement program, anyone who meets the eligibility requirements is entitled to the benefit of the program.
The Florida Statewide Managed Medicaid Long Term Care (SMMC-LTC) program is one portion of the state's Medicaid program. It's also an entitlement program and covers costs related to all types of senior care, including nursing home care, assisted living care, home care and adult day care.
The program acts as a managed care system, like a state-funded HMO, that offers comprehensive care for Florida's low-income seniors. It covers a range of senior services, including:
In some cases, such as home care services, the SMMC-LTC benefits are self-directed. This means benefits are awarded in the form of vouchers or direct payments to the program participant. This puts seniors in control of hiring, managing and firing their assistants, which allows Orlando seniors to live a lifestyle that's as independent as possible.
Orlando seniors who want to apply for Medicaid and SMMC-LTC have to meet specific requirements including:
Seniors interested in applying for Medicaid, including the SMMC-LTC plan, should apply through the Orange County Department of Children and Families (DCF). It's also possible to apply online through the Florida Department of Children and Families website or by calling (866) 762-2237.
The Optional State Supplement (OSS)
The Optional State Supplement (OSS) helps Orlando seniors pay monthly costs associated with senior living. The OSS program benefits come in the form of a cash grant that is paid out to seniors who meet the program's financial qualifications and reside in either an assisted living community or in an adult care home. Apply online.
Alzheimer’s Disease Initiative (ADI)
Orlando seniors living with Alzheimer's disease or another cognitive disorder can have the cost of respite care covered for up to 30 days through the Alzheimer’s Disease Initiative (ADI). Applications are processed through your local Area Agency on Aging. You can also call the Elder Helpline at 1-800-96-Elder (1-800-963-5337).
Respite for Elders Living in Everyday Families (Project R.E.L.I.E.F.)
Project R.E.L.I.E.F. provides short-term respite care to low-income seniors in the Orlando area free of charge. This comes in the form of caregiver support, in-home supervision and temporary care. Services can be provided in the seniors' home or in an assisted living facility. The Elder Helpline has application information: 1-800-96-ELDER.
Community Care for the Elderly (CCE)
Community Care for the Elderly (CCE) is a program that covers some costs associated with senior care for seniors who don't qualify for Medicaid. This isn't an entitlement program, though, so it's possible that the program has an annual limit for the program and there may be a waiting list. The program covers costs for adult day care, disposable medical supplies and personal care assistance. Call the Elder Helpline at 1-800-96- ELDER to start the application process.
Home Care for the Elderly (HCE)
Home Care for the Elderly (HCE) provides direct financial support for Orlando caregivers who need help paying for their seniors' basic needs. The program funds arrive as a cash stipend that can be used to pay for medically necessary items, such as braces, walkers, shower chairs and other accessories that may not be covered by other financial aid programs. The Elder Helpline (1-800-96-ELDER) has application information.
|Orlando Housing Authority||(407) 895-3300||The Orlando Housing Authority offers a low-income housing program with senior-only housing options available, including Johnson Manor, Lorna Doone Apartments, The Villas at Carver Park and The Villas at Hampton Park. This isn't an entitlement program, so seniors who apply should expect to be placed on a waiting list.|
|Orange County, Florida Rental Assistance Program||(407) 836-5150||Orange County has a rental assistance program, commonly known as Section 8, that helps low-income individuals and families pay for housing. This is a rental voucher program and the housing option applicants choose must be a property that's already Section 8 approved. Because this isn't an entitlement program, seniors should expect to be placed on a waiting list when applying and the county may only accept applications during certain times of the year.|
|Comprehensive Assessment and Review for Long-Term Care Services (CARES)||(866) 880-4080||Orlando seniors who are looking for a residential care facility can turn to CARES for help. The program offers in-home health and needs screenings at no cost to determine the optimal level of care for individual seniors. Seniors who prefer to and are able to remain living in their home can also use this service to find responsible, experienced caregivers.|
|Low-Income Home Energy Assistance Program (LIHEAP)||(407) 836-7429||Seniors who need help paying utility expenses can apply for LIHEAP at the Community Action Division building on East Michigan Street. The federally funded program helps low-income households pay a portion of their monthly utility bills.|