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Assisted Living Communities in Pensacola, Florida

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 31...

Directory of Assisted Living in Pensacola, FL

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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

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.

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.

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.

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.

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. Assisted Living in Florida page for more information about these laws.

Reviews of Communities Nearby

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...

Read more

Assisted Living

Carol

I visited this facility

Review of Veranda of Pensacola

The Veranda of Pensacola is very nice. They had a swimming pool. I would live there in a heartbeat. They had two bedrooms and a nice-sized living room. They had a little bit bigger kitchen area. I...

Read more

Assisted Living

Jim

I am a friend or relative of a current/past resident

Review of The Waterford at Carpenter's Creek

I like the location of The Waterford at Carpenters Creek. It is central in town. I like the price they quoted me for one month of respite care. The facility itself is very clean. They have a nice...

Provider response

We thank you for your feedback as this helps guide our team members to make improvements. The Waterford at Carpenter's Creek is always evolving and making changes to assure we meet resident and...

Read more

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Other Options in Pensacola, FL

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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

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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