The 10 Best Home Care Agencies for Seniors in Saint Petersburg, FL for 2025

According to Genworth Financial’s 2021 Cost of Care Survey, average home care costs in St. Petersburg are $190 less than the national average of $4,957 and right in line with the Florida state average of $4,767. Among Florida’s other major metropolitan areas, Miami seniors pay the least for home care at $4,195 per month, followed by Jacksonville at $4,481 per month and Orlando, where, at $4,767 per month, average monthly home care costs are the same as those in St. Petersburg.

Seniors needing care in the St. Petersburg area can choose from an array of options other than home care. Those with more intensive needs might opt for a skilled nursing facility, where the average monthly cost of a semiprivate room is $8,927, or home health care, which at $4,862 per month costs slightly more than home care in Saint Petersburg. Other options include an assisted living facility, which costs $3,350 per month on average, or adult day care, costing an average of $2,123 monthly.

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.