Florida has long been known as a retirement destination for seniors. With the state’s comfortable tropical climate and reasonable cost of living, it’s no wonder so many prefer to call Florida home during their golden years. In fact, more than 20% of the state’s 21,477,737 residents are aged 65 and older.

Independent living facilities provide seniors who are capable of caring for themselves with limited support as they age. In independent living communities, residents are typically provided with services such as housekeeping, meals and social activities while continuing to enjoy the freedom of an active, independent lifestyle. In Florida, the average cost of independent living is about $2,405 per month. 

This guide covers more about the cost of independent living in Florida and surrounding states. It also provides information about how seniors can pay for independent living, as well as free resources that are available to seniors throughout the state

The Cost of Independent Living in Florida

Note: Independent Living focuses on active social lives without supportive care and generally costs less than Assisted Living by 30-40%. Since there aren’t any authoritative reports available for Independent Living, we established an estimated cost by subtracting 35% from the average cost of Assisted Living as posted in the 2021 Genworth Financial Cost of Care Survey.

Seniors in the Sunshine State pay less for Independent Living compared to the national average, about $325 less per month. However, the average costs in all the surrounding states are lower than in Florida. Compared to Florida, the average costs of Independent Living are less in Mississippi by $325, in Alabama by $322, in Georgia by $302 and in South Carolina by $252. Average costs are closest in Louisiana where they’re still lower by $164.

$2600

Florida

$2925

The United States

$2275

Mississippi

$2277

Alabama

$2298

Georgia

$2348

South Carolina

$2436

Louisiana

Within the state, cities have vastly different Independent Living costs. Down south, Miami’s average cost of Independent Living is $2,850 while Naples is $3,445. Seniors in the panhandle pay an average of $2,810 in Pensacola. On the Gulf side of Florida, Tampa offers an average cost of $2,178, while Orlando mirrors the state average of $2,600.

$3445

Naples

$2850

Miami

$2810

Pensacola

$2600

Orlando

$2178

Tampa

Seniors needing a higher level of care than they’d receive in Independent Living may want to consider other senior care options. Adult Day Health Care offers a low level of care with the lowest average cost at $1,517 per month. Assisted Living offers care in a residential setting at an average cost of $4,000. Seniors can also opt to receive care at home with an average cost of $4,767 for either In-Home Care or Home Health Care. Nursing Home Care has the highest cost but offers the highest level of care with semiprivate rooms averaging $8,654 and private rooms averaging $9,627.

$2600

Independent Living

$4000

Assisted Living

$1517

Adult Day Care

$4767

In-Home Care

$4767

Home Health Care

$8654

Nursing Home Care (semiprivate room)

$9627

Nursing Home Care (private room)

Can You Use Medicare or Medicaid to Pay for Independent Living in Florida?

Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assisted Living in Florida.

Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.

Independent Living Resources in Florida

Throughout Florida, there are several free and low-cost resources that can provide support for seniors who live there. These resources may provide help with medical insurance, nonmedical transportation, or other support services. 

Resource
Contact 
Service
(850) 617-2000
Plenty of seniors who live independently continue to drive well into their retirement years. However, some are living with disabilities that prevent them from walking long distances. For those who need it, Florida Highway Safety and Motor Vehicles issues disabled person parking permits, which can be obtained by applying at any local service center.
(850) 410-5700
The Florida Commission for the Transportation Disadvantaged arranges public or private transportation for seniors who are otherwise unable to transport themselves to appointments, errands or visits with loved ones.
(800) 963-5337
The Department of Elder Affairs operates an array of programs that promote independence and wellness among Florida's senior population. It operates local Aging and Disability Resource Centers throughout the state which offer services such as Medicare/Medicaid counseling, nutrition programs and senior transportation services.
(850) 926-7145
The Florida Senior Safety Resource Center offers non-emergency transportation for seniors in most counties throughout the state. Rides are available for medical appointments, shopping trips and emergencies.
(850) 222-8877
The Florida Council on Aging serves seniors throughout the state, as well as their caregivers, by providing services that range from advocacy and education to resource referrals. This organization is committed to preserving the independence and wellbeing of Florida's older population.

COVID-19 Rules for Independent Living in Florida

The following information is based on research done on several government websites, including floridahealthcovid19.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/3/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

RULES FOR FLORIDA COMMUNITIES

Can I visit my relative in person if he/she wants emotional support from me?

Yes (Conditions Apply)

Can I visit my relative in person for end-of-life compassion care?

Yes

Will my loved one be required to self-quarantine after I visit him or her?

No

Do I need to wear PPE and/or a cloth mask if I do visit my relative in person?

Yes

Are Hairdressers and other non-medical contractors still allowed in senior living facilities?

Yes

Does the state recommend or require that senior living facilities assist families with setting up virtual visit alternatives?

Yes

Are visitors being screened for elevated temperatures?

Yes

Are visitors being asked questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

RULES FOR FLORIDA COMMUNITIES

Are residents allowed to leave the facility for non-medical reasons?

Yes

Are residents of senior living facilities who leave and return required to self-quarantine?

No (Conditions Apply)

Are senior living facilities required to cancel all group outings?

No

Are residents still eating together in the dining hall?

Yes

Are facilities still allowed to host group activities within the community?

Yes

COVID-19 Safety Measures for Staff and Residents

RULES FOR FLORIDA COMMUNITIES

Are staff members and contractors being screened for elevated temperatures?

Yes

Are staff members and contractors being tested for Coronavirus?

Yes

Are staff members and contractors being asked questions about health, travel, and potential virus contact?

Yes

Are staff members required to regularly screen residents for coronavirus symptoms?

Yes

Are residents relied on to screen themselves and self-report potential coronavirus symptoms?

No

Are staff members required to take residents’ temperatures?

Yes

Are residents being tested for coronavirus?

Yes

Find Independent Living Communities in Florida

Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in Florida, simply put that in the search bar below.

The Rose Garden of Orlando

9309 S. Orange Blossom Trail, Orlando, FL, 32837

I went to The Rose Garden of Orlando. The lady who did the tour she’s a sweetheart. It was clean and all the residents were there. There weren’t many as they were having their outing that day, the res … (read more)
I went to The Rose Garden of Orlando. The lady who did the tour she’s a sweetheart. It was clean and all the residents were there. There weren’t many as they were having their outing that day, the res … (read more)

Gentry Park Orlando

3201 Center Pointe Drive, Orlando, FL, 32825

Gentry Park sits southeast of the city, providing assisted living and memory care options for seniors in a beautiful facility that borders a serene pond and woodland areas. Close to Highway 417, this … (read more)
Gentry Park sits southeast of the city, providing assisted living and memory care options for seniors in a beautiful facility that borders a serene pond and woodland areas. Close to Highway 417, this … (read more)

HarborChase of Dr. Phillips

7233 Della Dr., Orlando, FL, 32819

My mother really likes HarborChase of Dr. Phillips. It’s very well kept and very clean. They let us come in to move her in with a negative Covid test, but other than that right now, we’re not really a … (read more)
My mother really likes HarborChase of Dr. Phillips. It’s very well kept and very clean. They let us come in to move her in with a negative Covid test, but other than that right now, we’re not really a … (read more)

Singh’s Independent Living

1503 Dess Drive, Orlando, FL, 32818


2013, 2017

Westminster Towers Orlando

70 S Lucerne Circle West, Orlando, FL, 32801

Westminster Towers Orlando is amazing. It’s beautiful. There are so many activities and they are so encouraging. My dad doesn’t feel left out. The food is great. He has a 10th-floor room that overlook … (read more)
Westminster Towers Orlando is amazing. It’s beautiful. There are so many activities and they are so encouraging. My dad doesn’t feel left out. The food is great. He has a 10th-floor room that overlook … (read more)

Hillcrest Hampton House

2000 E. Hillcrest Street, Orlando, FL, 32803

This place was terrific! The bus was steps away and has shopping centers close by – Yasmin and Diane were always available to help residents , planned many a party and are the greatest – it was an ex … (read more)
This place was terrific! The bus was steps away and has shopping centers close by – Yasmin and Diane were always available to help residents , planned many a party and are the greatest – it was an ex … (read more)

Starlight Ranch

6000 E. Pershing Avenue, Orlando, FL, 32822

I have lived here for over 30 years my neighbors around me are good they’re quiet it’s a nice area for where I live I can’t say that for the entire park because it’s about 800 homes in here and I hea … (read more)
I have lived here for over 30 years my neighbors around me are good they’re quiet it’s a nice area for where I live I can’t say that for the entire park because it’s about 800 homes in here and I hea … (read more)

Magnolia Pointe Apartments

1701 Mercy Drive, Orlando, FL, 32808

Magnolia Pointe itself was nice. However, I thought the area was kind of dilapidated because most of the houses and buildings around were all boarded up, and the pool needed cleaning, though nobody wo … (read more)
Magnolia Pointe itself was nice. However, I thought the area was kind of dilapidated because most of the houses and buildings around were all boarded up, and the pool needed cleaning, though nobody wo … (read more)

Overture Dr. Phillips 55+ Apartment Homes

6410 Sand Lake Sound Rd., Orlando, FL, 32819


2017, 2018, 2022

Holiday The Tremont

7015 Red Bug Lake Rd, Oviedo, FL, 32765

I went to tour Holiday The Tremont. It was very good. I liked everything about it. The only thing I didn’t know was what it would cost for a one-bedroom, and I didn’t know if it was doable for my husb … (read more)
I went to tour Holiday The Tremont. It was very good. I liked everything about it. The only thing I didn’t know was what it would cost for a one-bedroom, and I didn’t know if it was doable for my husb … (read more)

2015, 2016, 2017

Cascade Heights

160 Islander Court, Longwood, FL, 32750

We visited Cascade Heights. That is a very lovely place, we were very well received. In my opinion, they would be a five-star place. We saw the floor plan that we liked. They provide meals, and it’s j … (read more)
We visited Cascade Heights. That is a very lovely place, we were very well received. In my opinion, they would be a five-star place. We saw the floor plan that we liked. They provide meals, and it’s j … (read more)

Grand Villa of Altamonte Springs

433 Orange Drive, Altamonte Springs, FL, 32701

Grand Villa of Altamonte Springs is a resort-style community in Altamonte Springs, Florida. This facility is conveniently located near a large movie theater, the Altamonte Mall and Florida Hospital Al … (read more)
Grand Villa of Altamonte Springs is a resort-style community in Altamonte Springs, Florida. This facility is conveniently located near a large movie theater, the Altamonte Mall and Florida Hospital Al … (read more)

2014

Brookdale Altamonte Springs

360 Montgomery Road, Altamonte Springs, FL, 32714

Brookdale Altamonte Springs is located in Altamonte Springs, Florida, a short drive away from Florida Hospital Altamonte, Walmart and Altamonte Mall. Visitors note the facility’s well-landscaped groun … (read more)
Brookdale Altamonte Springs is located in Altamonte Springs, Florida, a short drive away from Florida Hospital Altamonte, Walmart and Altamonte Mall. Visitors note the facility’s well-landscaped groun … (read more)

2015

Brookdale Lake Orienta

217 Boston Avenue, Altamonte Springs, FL, 32701

Brookdale Lake Orienta is located in a residential area in Altamonte Springs, Florida, next to Lake Orienta and near Westmonte and Merrill Parks. Visitors note that the facility is bright and open wit … (read more)
Brookdale Lake Orienta is located in a residential area in Altamonte Springs, Florida, next to Lake Orienta and near Westmonte and Merrill Parks. Visitors note that the facility is bright and open wit … (read more)

Brookdale Wekiwa Springs

203 South Wekiwa Springs Road, Apopka, FL, 32703

Brookdale Wekiwa Springs is located in close proximity to Route 441 and the Piedmont Plaza shopping mall in Apopka, Florida. Residents and their guests compliment the facility’s friendly, accommodat … (read more)
Brookdale Wekiwa Springs is located in close proximity to Route 441 and the Piedmont Plaza shopping mall in Apopka, Florida. Residents and their guests compliment the facility’s friendly, accommodat … (read more)

The Grove at Trelago

901 Vista Trelago, Maitland, FL, 32751

The Grove at Trelago was nice and the food was good, but the apartments were too small. It’s terrific, the ambience, the amenities, the swimming pool, the gardens, and the food. The only thing was tha … (read more)
The Grove at Trelago was nice and the food was good, but the apartments were too small. It’s terrific, the ambience, the amenities, the swimming pool, the gardens, and the food. The only thing was tha … (read more)

Florida Living Retirement Community

600 Edgehill Place, Apopka, FL, 32703

The environment at Florida Living Retirement is very good. The accommodation is outstanding. They take care of your needs. You rent the apartment and when you first move in they put in new carpeting o … (read more)
The environment at Florida Living Retirement is very good. The accommodation is outstanding. They take care of your needs. You rent the apartment and when you first move in they put in new carpeting o … (read more)

Sand Villa Assisted Living Facility – Harblin

1178 Bella Vista Circle, Longwood, FL, 32779

Harblin is very good, awesome, and beautiful. It’s actually a home in a community. The staff is very nice. They sit around the living area to watch TV, but my dad mostly receives care since his memory … (read more)
Harblin is very good, awesome, and beautiful. It’s actually a home in a community. The staff is very nice. They sit around the living area to watch TV, but my dad mostly receives care since his memory … (read more)

Allegro Senior Living

2701 Howell Branch Rd., Winter Park, FL, 32792

My mother is in independent living at Allegro. She has been there for two months now, and it’s excellent. They offer everything we ask for and more, so we’re very pleased. The staff is excellent. They … (read more)
My mother is in independent living at Allegro. She has been there for two months now, and it’s excellent. They offer everything we ask for and more, so we’re very pleased. The staff is excellent. They … (read more)

Strive at Fern Park

7255 Strive Place, Fern Park, FL, 32730


Independent Living Facilities in Florida (89)