Memory Care Communities in Winter Haven, Florida

Winter Haven’s average memory care cost compares favorably to the national average, which is $5,625, and Florida’s statewide rate, which is $5,000. Relative to other cities in its region, Winter Haven is an affordable option. Tampa’s median rate is $63 higher, while Sebring’s is $170 higher. Prices jump in Orlando, where residents pay $5,000. Memory care is even more expensive in The Villages. There, seniors pay an average of $6,510.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we’ve estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth’s 2021 Cost of Care Survey.

In Winter Haven, memory care providers charge an average fee of $4,125 per month.

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

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

For more information about different ways to finance memory care, visit our Memory Care in Florida page.

Seniors who are still able to function independently have other care options to choose from. For instance, assisted living costs in Winter Haven come in $825 per month below the corresponding rate for memory care. However, memory care is $451 per month cheaper than in-home care and $356 more affordable than home health care. Nursing homes are the city’s most expensive senior care option. In those facilities, the average cost for a semiprivate room is $8,745.

In Florida, the Bureau of Health Facility Regulation oversees memory care facilities. The bureau is part of the Florida Agency for Health Care Administration. It sets the standards that facilities must meet for licensure and the rules they must follow when in operation. Those rules govern matters such as staffing ratios and training requirements.

• Winter Haven is a member of the AARP’s Network of Age-Friendly States and Communities, as is Florida. Members of that network have met the AARP’s standards for being welcoming and livable for seniors.
• During urgent medical situations, seniors can go to the emergency department of Winter Haven Hospital for 24/7 assistance. The hospital’s parent organization, BayCare, also has a program dedicated to treating individuals with memory-related conditions.
• Winter Haven’s climate is somewhat rainy, but the city’s residents can enjoy 242 sunny days per year, or 37 more than the national average. During winter, temperatures dip to an average low of 49.7 degrees, a figure much higher than the nationwide rate of 21.7 degrees.
• According to the rating system BestPlaces uses to assess public safety, Winter Haven’s violent crime rate is 27.5, exceeding the national average, which is 22.7. Similarly, the city’s property crime rate of 51.9 comes in above the national average, which is 35.4. For context, BestPlaces uses a scale from 0 to 100, with higher numbers corresponding to more crime. While crime in Winter Haven is a concerning issue, the protective security features of memory care communities may provide safety.
• Winter Haven’s cost of living comes in 11.2% below the national average and 14.3% below Florida’s average. Health care and grocery costs are slightly more expensive than the national mean, but housing and transportation are noticeably more affordable than in the typical American city.
• Florida levies no taxes on individual income, meaning seniors can make more use of Social Security benefits as well as money from retirement funds and pensions.