Located in the northwest corner of Florida in Okaloosa County, Fort Walton Beach is a small city that’s known for its white sand beaches and abundance of urban amenities. The city is home to just under 21,000 residents, and nearly one-fifth are seniors aged 65 and older, which matches the percentage of seniors statewide. Genworth’s 2020 Cost of Care Survey shows that seniors in Fort Walton Beach pay an average of $4,481 per month for home care, which doesn’t include medical services. Comprehensive emergency and acute medical care is available locally at the Fort Walton Beach Medical Center, which is equipped with a specialized stroke care unit, cardiology department and rehabilitation clinic. 

Below we’ve compiled a comprehensive directory of every home care provider in the Fort Walton Beach area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

Directory of Home Care Services in Fort Walton Beach, FL

Home Instead – Fort Walton Beach, FL

722-H Beal Pkwy NW, Fort Walton Beach, FL, 32547

My Mother has balance issues and limited mobility which affects so many parts of her daily life. Home Instead has provided caregivers that help her with dressing and bathing, assistance with meals, w … (read more)
My Mother has balance issues and limited mobility which affects so many parts of her daily life. Home Instead has provided caregivers that help her with dressing and bathing, assistance with meals, w … (read more)

Comfort Keepers – Niceville, FL

776 John Sims Parkway, Niceville, FL, 32578

I paid this company to provide medical transport to a medical procedure. They had over 2 weeks notice. As they never called me updating me on the status – who would be picking me up, what time etc, I … (read more)
I paid this company to provide medical transport to a medical procedure. They had over 2 weeks notice. As they never called me updating me on the status – who would be picking me up, what time etc, I … (read more)

SYNERGY HomeCare of Emerald Coast

35008 Emerald Coast Parkway Ste. 401, Destin, FL, 32541

They take her to the bathroom. They should communicate.
They take her to the bathroom. They should communicate.

2017

Better Healthcare

14201 W Sunrise Blvd, Sunrise, FL, 33323

Better Healthcare, and Marissa in particular literally saved my and my husband’s life. We moved to Florida late October 2021 and met with Marissa to get help for my husband Jeff whose Parkinson’s Dise … (read more)
Better Healthcare, and Marissa in particular literally saved my and my husband’s life. We moved to Florida late October 2021 and met with Marissa to get help for my husband Jeff whose Parkinson’s Dise … (read more)

Visiting You Senior HomeCare

11 Racetrack Rd NE, Fort Walton Beach, FL, 32547

Great company and personalized service.
Great company and personalized service.

Griswold Home Care

1850 Lee Rd #134, Winter Park, FL, 32789

Griswold Home is providing full care for my dad and part care for my mom. They provide some meals, do all of the cooking and cleaning, and go to the grocery store. Some caregivers feel like family, an … (read more)
Griswold Home is providing full care for my dad and part care for my mom. They provide some meals, do all of the cooking and cleaning, and go to the grocery store. Some caregivers feel like family, an … (read more)

Interim HealthCare of Fort Walton Beach, FL

339 Racetrack Rd., Suite 16, Fort Walton Beach, FL, 32547



Paying for Home Care in Fort Walton Beach, FL

The Cost of Home Care in Fort Walton Beach, FL

Genworth Financial’s 2020 Cost of Care Survey shows that, on average, home care in Fort Walton Beach costs $4,481 per month. This matches the nationwide median, and is $286 above Florida’s statewide average. Home care rates in Florida vary widely depending on the location. Seniors in nearby Panama City pay around $4,624 per month, while in the state capital, Tallahassee, rates are lower at $4,124. In neighboring Pensacola, in-home care costs an average of $4,277 per month, while in Orlando, rates run around $3,813.   

$4481

Fort Walton Beach

$4195

Florida

$4481

United States

$4624

Panama City

$4124

Tallahassee

$4277

Pensacola

$3813

Orlando

The Cost of Home Care vs. Other Senior Care Options in Fort Walton Beach, FL

In Fort Walton Beach, home care and home health care services share an average cost of $4,481, while assisted living costs slightly less at $4,375 per month. Nursing home care is the most expensive option, with rates for a semiprivate room running around $7,908 per month. Local adult day health care cost data isn’t available, however, the statewide average of $1,408 per month indicates it’s likely the lowest-priced option.  

$4481

Home Care

$4481

Home Health Care

$4375

Assisted Living

$7908

Nursing Home Care (semi-private room)

Note: Data for Fort Walton Beach was unavailable, so data for the nearest city, Crestview, was used instead.  

Financial Assistance for Home Care in Fort Walton Beach, FL

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.

Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.

Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.

Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.

Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Fort Walton Beach, FL

Fort Walton Beach seniors who plan to spend their retirement years in their own homes can get help from a number of free and low-cost community-based programs. These include Meals on Wheels, barrier-free, on-demand transportation and assistance for veterans.

Resource

Contact 

Service

(850) 833-9168

Emerald Coast Rider is the regional public transit service in Fort Walton Beach and Okaloosa County. Dial-A-Ride is EC Rider's on-demand, shared-ride paratransit service for those who are unable to use the regular fixed-route bus service due to disability. Seniors in Fort Walton Beach can use Dial-A-Ride to travel to and from the seniors' center, run errands and travel to nonurgent medical appointments. 

(850) 833-9165

Operated by Elder Services of Okaloosa County, Meals on Wheels is a low-cost prepared meal delivery service for housebound seniors aged 60 and older. Hot noontime meals are delivered by volunteer drivers each weekday, and each meal costs $5.50, while additional, frozen meals cost $6 each. In addition to dropping off daily meals, Meals on Wheels volunteers perform a brief wellness check on clients, and can refer seniors to additional services as needed. 

(850) 833-9587



Open Monday through Friday from 8 a.m. to 4 p.m., the Fort Walton Beach Senior Center offers a range of free and low-cost social and recreational programs for seniors aged 60 and older. Programming includes daily fitness classes, shuffleboard tournaments, arts and crafts shows, and monthly pot-luck luncheons. 

(850) 651-7258



Okaloosa County Veteran Services helps Fort Walton Beach veterans and their dependents secure their maximum entitlements through county, state and federal programs. Veteran service officers can help vets apply for VA Aid and Attendance and Housebound, two enhanced VA pension programs that provide monthly benefits seniors can put toward their home care costs. Staff from Veteran Services can also arrange transportation to nearby VA medical clinics and centers, help vets secure their Veterans ID Card, and make arrangements for internment through the VA. 

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Checklist for determining the need for in-home care


Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Talking with family and others about a loved one's needs

Frequently Asked Questions

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What types of services can a home care agency in Fort Walton Beach provide?


Home care agencies in Fort Walton Beach provide a wide range of nonmedical supports to seniors. These services are customized to each client, and may include companionship, assistance with grocery shopping and meal prep, light housekeeping and local transportation.


How can I find home care agencies near me with availability?


You can find agencies by reviewing the home care providers listed on Caring.com in the Fort Walton Beach area. Once you’ve selected a few agencies, you can use the contact information listed to inquire about availability of services.


What is the average cost of in-home elderly care in Fort Walton Beach?


According to Genworth Financial’s 2020 Cost of Care Survey, home care costs an average of $4,481 per month in Fort Walton Beach, which is on par with the U.S. median. This figure is based on 44 hours of care per week and breaks down to $147 a day or $23.50 an hour.


What is the difference between in-home care and home health care?


In-home care is a type of nonmedical care designed to help seniors age in place and includes personalized support with activities of daily living. Home health care also includes limited medical services delivered by licensed medical professionals, including nurses and rehabilitation therapists.


What is a home care assessment?


A home care assessment is a noninvasive evaluation of the services and supports a senior needs from a home care provider. This assessment is usually coordinated by a home care case manager who interviews the senior and their family to determine how the service can help with activities of daily living.