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10 Best Assisted Living Facilities in Pensacola, FL for 2024

Known for its beautiful white sand beaches and rich history, Pensacola is a city of over 53,600 residents in the Florida Panhandle. The city offers a high quality of life for seniors, who make up 18.3% of the population. With its low living costs, warm temperatures and access to world-class health care, it’s no surprise Pensacola is considered one of the top places to retire in the United States.

As seniors age, they may require a little extra help with daily tasks. Luckily, there are a number of assisted living facilities in the Pensacola area that can provide assistance with household chores and personal care services, along with wellness programming, social activities and rehabilitative therapies. The average cost of this type of care in Pensacola is $4,323 per month, slightly higher than other areas in Florida.

Seniors and families considering long-term care can use this guide as a starting point to learn about assisted living, including how much these services cost, what other options are available and where to go for financial assistance. It also features some of the benefits and drawbacks of retirement in Pensacola and a list of local resources to support seniors’ needs.

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Assisted Living Facilities in Pensacola, Florida

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What to Consider About Assisted Living in Pensacola

All long-term care facilities in Pensacola, including assisted living communities, are licensed and regulated by Florida’s Agency for Health Care Administration. The agency’s Bureau of Health Facility Regulation conducts inspections of facilities prior to their initial licensure and then subsequently every two years for re-licensure.

Benefits and Drawbacks of Assisted Living in Pensacola

  • Pensacola’s coastal location offers access to expansive beaches, numerous public parks and plenty of opportunities for outdoor recreation, including fishing and water sports. The area is also rich in history, with numerous museums and notable sights for seniors to visit, as well as a vibrant dining scene.
  • With its sunny, subtropical climate, Pensacola is an ideal spot for seniors looking to escape chilly winters in favor of warm year-round weather. Temperatures typically stay above 42 degrees, and the area sees an average of 224 sunny days. However, Pensacola does experience stormy weather during hurricane season, so it’s important for seniors to exercise proper precautions.
  • The Pensacola area is a great option for seniors looking to maximize their retirement income. At an index rating of 87.3, the overall cost of living is lower than both the U.S. average of 100 and the statewide median of 102.8. Seniors will notice savings, particularly in the cost of housing, transportation, groceries and health care.
  • Seniors can further benefit from Florida’s tax-friendly policies. The state doesn’t levy a tax on any form of retirement income, including Social Security benefits, pensions, IRAs and 401(k)s. Floridians are also free from paying state income tax or inheritance tax.
  • Seniors in Pensacola are exposed to above-average crime rates. The city receives an index rating of 35.7 for violent crime and 61.4 in terms of property crime, which can be compared to the U.S. averages of 22.7 and 35.4, respectively, in the same categories. Most long-term care facilities provide security features and safety measures for residents’ peace of mind.
  • Escambia County Area Transit (ECAT) provides reliable transportation to residents of the greater Pensacola area. The system operates a fixed-route bus service along with several free neighborhood trolleys. Seniors are eligible for highly discounted bus fares.
  • The Pensacola area is served by numerous world-class health facilities specializing in geriatric care, including HCA Florida West Hospital, Baptist Hospital and Ascension Sacred Heart Pensacola, which is home to the area’s only nationally certified Comprehensive Stroke Center

Paying for Assisted Living in Pensacola, FL

When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, Caring.com has compiled proprietary cost data from its network of more than 75,000 senior living providers to provide insight into the average cost of assisted living in Pensacola and 133 other cities in Florida.

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 Assisted Living in Nearby Cities

While Pensacola is a little more expensive than the statewide average, it’s significantly more affordable than other cities in the Florida Panhandle. Nearby Crestview is around $600 higher than Pensacola at $4,924, and Panama City is even more expensive at a monthly cost of $5,081. Rates are also higher in Tallahassee at $4,650 per month. Farther east in Gainesville, seniors will find affordable assisted living at $2,350 per month.

Pensacola

$4,323

Florida

$4,000

United States

$4,500

Crestview

$4,924

Panama City

$5,081

Tallahassee

$4,650

Gainesville

$2,350

The Costs of Other Types of Senior Living

How much you should expect to pay for senior living in Pensacola depends on your health status and care needs. Independent living is suitable for seniors with minimal care requirements and costs $2,629 on average, while assisted living costs $3,449, where seniors can expect assistance with activities of daily living. Memory care communities provide more intensive services for seniors with memory loss; on average, this care costs $4,608 in Pensacola.

Assisted Living

$3,449

Memory Care

$4,608

Independent Living

$2,629

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.

Financial Assistance in Florida

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Florida page.

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.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
Northwest Florida Area Agency On Aging, Inc.866-531-8011Floridians aged 60 and over can access critical care, support and education programs provided through the state's Area Agencies on Aging. With multiple location offices organized by region, the AAAs offer home- and community-based services. Options include Meals on Wheels, fitness and wellness sessions and home care assistance with personal care tasks and homemaking activities. All Florida AAAs focus on helping older persons to stay independent for longer.

Financial Assistance for Senior Care

Pensacola seniors wishing to remain in their own homes can find financial assistance from several local resources. These programs and organizations help retirees cover the cost of services such as home care, property modifications and utilities.

Program NamePhone NumberDescription
Senior Companion Program - Pensacola850-432-1475The Council on Aging of West Florida Senior Volunteer Program provides an opportunity for seniors to remain actively engaged in their local community. Through its Senior Companion Program, older adults can socialize with and assist fellow seniors with shopping, light housekeeping, cooking and other daily tasks. The Foster Grandparent Program allows seniors to provide tutoring and help children develop skills and confidence. Both programs are open to seniors aged 55 and older who are living on a limited income.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, Pensacola seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
2-1-1 Northwest Florida855-420-86892-1-1 Northwest Florida is a free phone-based information and referral service available to everyone in the Gulf Breeze region. It's staffed with trained specialists who can help you find resources in the community, including low-cost medical care and health screenings, durable medical equipment loans and transportation. The service is available 24 hours per day, seven days per week.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Pensacola seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Manna Food Bank - Main Pantry850-432-2053Manna Food Bank is a local grassroots organization that strives to help residents fight hunger by providing groceries free of charge to families, individuals and seniors in Santa Rosa and Escambia counties. Run by volunteers, the organization receives funding from businesses, faith-based organizations, corporations and foundations.
Samaritan Hands Food Pantry850-433-5631Eligible seniors and others in the Pensacola, FL, area and surrounding communities can receive food assistance from the Samaritan Hands Food Pantry, operated by the First Baptist Church of Pensacola. The ministry strives to help the underprivileged and homeless. In addition to distributing food and other necessities to recipients, the pantry also refers individuals to other resources for additional help. The pantry operates Monday through Thursday from 9 a.m. to 11:30 a.m.
Brent ACCESS Storefront800-963-5337The Brent ACCESS storefront allows Pensacola-area seniors to apply for the Supplemental Nutrition Assistance Program, which provides monthly grocery funds to low-income city residents. The SNAP program works by adding funds to a government-issued debit card that may only be used for purchasing approved foods at participating retailers. Seniors may apply for benefits by mail, online, by telephone or in person. When applying, proof of identity along with a documentation of monthly income, expenses and assets are required.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Pensacola collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
We Share Medical Equipment Program850-438-3930The We Share Medical Equipment Program provides essential medical equipment on loan to individuals in need. The program helps seniors access items such as walkers, wheelchairs, canes and bath benches, as well as bedside commodes, raised toilet seats, shower chairs and adult diapers. Items are provided at no cost and available to anyone who requires them. To receive this service, seniors can visit any one of the Goodwill stores throughout the Gulf Coast or speak with their local community center.

Many organizations offer free or low-cost legal services to Pensacola seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
Elder Law - Pensacola850-432-8222Throughout 16 counties in Florida, LSNF offers legal aid to vulnerable and low-income individuals for diverse civil matters. Individuals aged 60 and older can seek representation for elder law issues, including situations involving abuse and neglect. Eligibility is determined by income, assets and case-specific information.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Pensacola have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Weatherization Assistance Program - Pensacola850-679-4817The program aims to make homes energy-efficient, which simultaneously can reduce the householder's energy costs and make their living spaces more comfortable. Types of assistance include insulating attics, installing solar screens and replacing inefficient HVAC units.

Senior Centers

Senior centers in Pensacola bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.

Program NamePhone NumberDescription
Bayview Senior Resource Center850-436-5190The center offers a space for seniors to connect and socialize with their local community. Amenities include a billiards room, library and kitchen, and it offers activities including exercise classes, art projects, educational seminars and dance events. Local residents aged 50 and older can use the facility and participate in its programming at no cost.
Council on Aging of West Florida, Inc.850-432-1475The Council on Aging of West Florida is a nonprofit organization that provides community-based and in-home services such as Meals on Wheels, free access to medical equipment/supplies and senior companionship. Its adult day care provides respite to family caregivers and offers activities and socialization for seniors in a safe environment. Some services require payment, but seniors can call the organization to check if they qualify for financial assistance.

Social Security Offices

Social Security offices in Pensacola help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Pensacola Social Security Office 32502800-772-1213Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several Pensacola resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
Property Tax Benefits - Pensacola850-434-2735Floridians aged 65+ can get an additional homestead exemption of up to $50,000. The real estate must have a just value of no more than $250,000 and be the applicant's permanent residence for a minimum of 25 years.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Pensacola retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Low-Income Home Energy Assistance Program (LIHEAP) - Pensacola866-384-4502The federally-funded program contributes towards energy costs for residents on low incomes up to three times per year (depending on monies available). The local program provider pays the utility company directly.

Veteran's Services

Pensacola retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Pensacola Vet Center850-456-5886At the Pensacola Vet Center, service members, veterans and their families can receive no-cost confidential counseling services in a nonmedical setting. Individualized one-on-one therapy sessions from trained counselors can help veterans who are struggling with grief, trauma, anger, stress and anxiety. Couples and family counseling are also available. Therapies utilized at the Pensacola Vet Center include cognitive behavioral therapy, acceptance and commitment therapy and eye movement desensitization and reprocessing. Community resources and referrals are provided to those who need them.

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. Visit our Assisted Living in FL page for more information about these laws.

Assisted Living Laws and Regulations in Florida

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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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