Assisted Living Communities in Largo, Florida

With the exception of Sebring, where seniors expect to pay around $2,895 for assisted living services, Largo is the most affordable city in the region. For example, about 85 minutes south in North Port, average costs leap by $663 to $3,888, while 60 minutes east in Lakeland, they rise further still to $3,945. 

Assisted living residents in Largo pay for services using various strategies, including their monthly income, state and federal insurance benefits and veterans benefits. By using several methods of payment, seniors can often avoid exhausting their personal resources, promoting the long-term financial viability of residential care.

• Medicaid: Florida’s Statewide Medicaid Managed Care Long-Term Care Program provides a range of services to Largo seniors, including assisted living services. Through this program, qualified individuals pay for personal care services, skilled nursing, personal emergency response systems and meals.
• Medicare: Seniors may pay for third-party home health care services they receive in assisted living, as well as rehabilitative therapies and durable medical equipment, with their Medicare coverage. However, this health insurance doesn’t cover standard assisted living services.
• VA Benefits: Two types of VA benefits pay for assisted living services for qualified veterans, including Aid and Attendance and Housebound benefits and the VA Health Care for Elderly Veterans program’s Geriatrics and Extended Care program. These programs help seniors pay for personal care, housekeeping and meals.
• Private Payments: Assisted living residents use their own income and assets to pay for housing, meals and personal care. This payment option includes proceeds from renting or selling a house, withdrawals from 401(k)s and monthly retirement income.

The attraction of assisted living in Largo is best explained by comparing it to the costs for care at home. Agencies providing homemaker services typically charge $4,195 per month — $970 more than assisted living — while the addition of medical care from home health aides sees costs rise by another $381. Adult day care is more affordable for able-bodied seniors, at $1,993, while those who need nursing home care typically pay $9,946 for a semiprivate room and an additional $1,445 for a private one.

• Florida doesn’t have an income tax, leaving more money in the bank for assisted living expenses in Largo. The local sales tax rate aligns closely with U.S. norms, and many seniors benefit from the state’s exemptions for medicine and groceries.
• Largo’s overall cost of living tracks about 2% above the national norm, which impacts affordability for some retirees considering local long-term care services. However, health care costs fall around 20% below costs in a typical U.S. city, and low housing and food expenses promote affordable assisted living.
• The American Lung Association reports exceptional air quality in the Largo region, awarding top scores across all metrics. This supports the health and comfort of assisted living residents with heart or lung conditions.
• Largo joined the AARP Age-Friendly Network in 2024, highlighting its commitment to providing a welcoming environment for seniors.
• Pinellas County, where Largo sits, ranks among the highest in the nation for health factors and outcomes. It features some of the highest flu vaccination rates among seniors compared to the rest of the state, slowing the spread of seasonal illnesses in assisted living. Additionally, the region reports a primary care provider for every 1,090 residents compared to the statewide ratio of 1:1,370.