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Assisted Living Communities in Pensacola, FL

Pensacola sits in northwest Florida along Pensacola Bay, about 35 miles outside Fort Walton Beach. This region caters to older adults through diverse senior care solutions, including 32 assisted living residences. These facilities set monthly rates of around $3,915 in 2024, which offers hundreds of dollars in savings over the state median of $4,750 and the U.S. baseline of $5,350.

In the directory below, we provide a range of perspectives on the quality of assisted living in Pensacola by including 424 reviews testimonials. Overall, these reviews reflect an average rating of 3.9 out of 5 stars stars.

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Reviews of Communities Nearby

Assisted Living

Brenda

I visited this facility

Review of Homestead Village of Pensacola

I wasn't that impressed with Homestead Village of Pensacola. It was nice and everything, but it just wasn't what we needed. I visited them a couple years ago and it did not smell very nice. The...

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Assisted Living

George

I visited this facility

Review of The Waterford at Carpenter's Creek

I just walked into The Waterford at Carpenter's Creek and looked around. It seemed all right. It wasn't as new as the other facility. The staff seem to be friendly. The cafeteria seemed alright...

Provider response

Hi George, we appreciate your honest feedback, as we are always looking for ways to improve. Please don't hesitate to reach out if there's anything additional we can do for you.

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Assisted Living

Derrick

I visited this facility

Review of The Waterford at Carpenter's Creek

I toured The Waterford at Carpenter's Creek. It's affordable and it's clean. The staff seemed to be active and genuinely concerned. The rooms were good. The space was good. They offer three meals...

Provider response

Hi Derrick, thank you so much for your positive comments about The Waterford at Carpenter's Creek!

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The Cost of Assisted Living in Nearby Cities

The 2024 Genworth Cost of Care Survey reports that seniors in Pensacola spend around $3,915 monthly on assisted living, which runs about $800 below the Florida median. Rates in Crestview are lower, averaging around $3,125, but nearby cities tend to have higher costs. In Tallahassee, facilities charge about $6,745, and in Gainesville, seniors pay approximately $8,055.

Pensacola

$3,915

Florida

$4,750

United States

$5,350

Crestview

$3,125

Panama City

$5,871

Tallahassee

$6,745

Gainesville

$8,055

How to Pay for Assisted Living in Pensacola:

Pensacola's assisted living communities often provide flexible payment options, making care accessible to seniors. Federal and state health insurance programs reduce out-of-pocket costs for qualified individuals, while veterans have access to several VA-funded programs that pay for housing and care services. Seniors use personal income and assets to cover the remaining fees.

  • Medicaid: Through Florida's Statewide Medicaid Managed Care Long-Term Care Program, Pensacola seniors get financial assistance with assisted living expenses, such as personal care, medication management and meals. To qualify, seniors must meet income and medical criteria.
  • Medicare: Although Medicare doesn't cover assisted living services, seniors can use their Part B coverage to pay for medically necessary care they receive through outside home health care agencies. Some benefits under this coverage include skilled nursing, medication administration and durable medical equipment.
  • VA Benefits: The Geriatrics and Extended Care program, Aid and Attendance and Housebound benefits help qualified veterans cover assisted living expenses. These VA-funded programs pay for personal care, medication services and transportation
  • Private payments: Assisted living residents use their personal income and assets to pay for any remaining care costs. Communities accept this type of payment for all expenses, including personal care, housekeeping and meals.

Financial Assistance for Assisted Living in Pensacola

Seniors who need help with long-term care costs can turn to Florida’s Assistive Care Services and Medicaid Long-Term Care plans. The programs cover the cost of services at assisted living facilities, but they don’t cover room and board. The MLTC plan does, however, negotiate rates on behalf of participants. 

Florida also provides optional state supplementation for seniors who receive Federal SSI benefits. The state allows family supplementation without affecting Medicaid eligibility or benefits provided the payments are made to the provider and not the resident. 

Learn more about these programs, plus who’s eligible, on our Assisted Living in Florida page.

Inflation's Impact on the Cost of Assisted Living in Pensacola, FL

The typical price of assisted living in Pensacola is $3,449, which is relatively affordable compared to the average cost in Florida ($4,067) and nationwide ($4,459). However, the projected impact of inflation in Pensacola is slightly higher than average at 17.2% (from $3,148 to $3,741) between 2022 and 2024. Inflation will likely affect other cities in Florida similarly, as prices in Canton, Palm Coast and Brooksville are set to rise by roughly 16.5%.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Pensacola$3,148$3,449$3,741
U.S. Average$4,070$4,459$4,802
Florida$3,727$4,067$4,438
Cantonment$3,012$3,300$3,554
Palm Coast$4,842$5,305$5,713
Brooksville$3,290$3,604$3,881

The Cost of Other Types of Senior Care

Assisted living rates in the Pensacola region hover near $3,915, making this option more cost-effective than alternatives that include specialized support. Seniors who obtain home health care services pay about $4,767 for full-time support, and nursing home residents pay approximately $10,190 for shared accommodations.

Home Health Care

$4,767

Assisted Living Facility

$3,915

Nursing Home Facility (semiprivate room)

$10,190

Free and Low-Cost Resources for Seniors in Pensacola, FL:

There are many resources in Pensacola,FL that assist seniors in their retirement. Caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

For information about statewide resources and those in nearby cities, go to Caring's Florida state page.

Program NamePhone NumberDescription
Northwest Florida Area Agency On Aging, Inc.866-531-8011The AAA has a toll-free helpline seniors can call for information and referral services. It also supports assisted living residents through health insurance options counseling, advocacy services and case management.
2-1-1 Northwest Florida2-1-1This call center has trained representatives who help older adults find local resources, such as home-delivered and congregate meals, in-home care and transportation. It also assists veterans in finding local benefits assistance and medical services.
Manna Food Bank850-432-2053Manna Food Bank supports area seniors through the Emergency Food Assistance Program and more than a dozen specialty programs. Its Monthly Senior Food Program also delivers 10 days’ worth of food each month to those in need.
Samaritan Hands Food Pantry850-433-5631The Samaritan Hands Food Pantry provides gently used clothes and shoes, blankets and food to qualified seniors. It also offers utility assistance and has advisors who refer older adults to community-based services.
Brent ACCESS Storefront800-963-5337At this location, Pensacola seniors can apply for the federally funded Supplemental Nutrition Assistance Program. This program provides monthly grocery funds to those who meet income-based eligibility requirements.
We Share Medical Equipment Program251-300-6094Through this program, seniors can obtain free medical equipment at two Goodwill stores in Pensacola. Available equipment may include raised toilet seats, shower chairs, canes and wheelchairs.
Elder Law850-432-8222This program, administered by Legal Services of North Florida, has volunteer and staff lawyers who provide free information and advice regarding wills, simple estate planning and probate matters. It also serves as a public guardian for vulnerable seniors.
Weatherization Assistance Program850-438-4021The Weatherization Assistance Program helps qualified seniors reduce their homes’ energy costs through basic repairs and improvements. Services may include improving ventilation systems, weather stripping around doors and windows and repairing central air conditioning systems.
Bayview Senior Resource Center850-436-5190This city-run senior center hosts social and recreational activities for those aged 50 and over. At this location, visitors participate in fitness classes, dance events and arts and crafts.
Council on Aging of West Florida, Inc.850-432-1475This organization provides exclusive volunteer opportunities for seniors, letting them serve their communities through the Senior Companion Program and Foster Grandparent Program. It operates Meals on Wheels and The Retreat, a daytime program for seniors with physical and cognitive impairments.
Social Security Administration800-772-1213 800-325-0778 (TTY)The Social Security Administration operates a field office in Pensacola. At this location, seniors can enroll in Medicare and Social Security benefits, order replacement cards and get eligibility screening for Medicaid and Supplemental Security Income.
Property Tax Benefits850-438-6500Seniors who own a home in Pensacola may qualify for the Senior Homestead Exemption in addition to the standard Homestead Exemption. This lowers the taxable value of their primary residence, reducing their overall housing expenses.
Low-Income Home Energy Assistance Program866-384-4502LIHEAP provides financial assistance with high utility bills for qualified seniors, helping them avoid service disruptions. It has crisis assistance for households experiencing hardship after weather-related events.
Pensacola Vet Center850-456-5886The Pensacola Vet Center offers mental health services, including one-on-one, family and group counseling sessions. It has specialists who refer veterans to community-based services and supports, such as transportation, financial assistance and prescription drug assistance.

Benefits and Drawbacks of Assisted Living in Pensacola

  • Pensacola's warm climate appeals to prospective assisted living residents who enjoy outdoor activities. The city's hot season lasts from late May through late September and brings daytime temperatures of around 90 degrees Fahrenheit, while the cool season spans early December through early March and has average nighttime lows of 45 degrees.
  • Because Florida doesn't have an income tax, seniors in Pensacola often have more money to put toward monthly assisted living expenses.
  • The AARP Livability Index rates Pensacola at 57, nine points above the average U.S. city score. Some factors that create a welcoming environment for assisted living residents include a high walkability score of 13.44, good air quality and high access to cultural amenities.
  • Annual particle pollution levels in the Pensacola region earn the community a failing grade from the American Lung Association. However, 24-hour particle and ozone pollution levels are low, benefiting assisted living residents with cardiovascular or respiratory conditions.     
  • Pensacola seniors easily navigate the city with Escambia County Area Transit, which operates public buses throughout the region. Medicare cardholders and seniors qualify for discounted fares.
  • Pensacola's affordability makes it an attractive retirement destination for seniors and prospective assisted living residents. The city's cost of living tracks about 6% below the national norm.

Assisted Living Laws and Regulations in Pensacola

Pensacola Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living facilities in FL are required to follow. Assisted Living in Florida page for more information about these laws.

Assisted Living Services and Amenities in Pensacola

Assisted living communities promote residents’ comfort and quality of life through thoughtful features and amenities. From routine cleaning services to daily recreation, many facilities focus on creating an engaging environment where residents can build relationships, discover new interests and enjoy a worry-free lifestyle. By understanding the scope of services and amenities available, seniors can compare local options to find the best community for their needs.

  • Emergency call systems: Many assisted living communities install pull cords and provide wearable pendants to ensure residents receive prompt assistance.
  • Transportation services: Regular transportation services reduce the need for residents to own personal vehicles.
  • Guest accommodations: Many assisted living communities have apartments for overnight guests, and our proprietary Caring.com database lists several local communities that serve guest meals.
  • Housekeeping and linen services: Weekly or biweekly housekeeping and linen services promote a sanitary and comfortable environment.
  • Daily planned activities: Wellness, social and recreational activities let residents explore their interests and build meaningful relationships.
  • Communal dining: Community dining rooms offer the opportunity to enjoy nutritious meals without the hassle of preparation or cleanup.

A Caring.com Family Advisor can help you review the amenities and services in Pensacola’s numerous assisted living facilities. Contact us today to schedule a consultation.

Frequently Asked Questions about Assisted Living in Pensacola:

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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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