--- title: "Florida Nursing Home Cost 2025 | Funding LTC Marketplace" url: https://fundingltcmarketplace.com/blog/florida-nursing-home-costs-2025/ description: "In Florida, a private nursing home room runs a median of $146,000 a year and a semi-private room $124,100 (CareScout 2025). How long savings last, and how to plan." author: George A. Mellendorf, CLTC (Central States Insurance Services, Inc.) publisher: Funding LTC Marketplace note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above. --- Costs # Florida Nursing Home Costs: $146,000 a Year and Rising Florida's nursing home costs are higher than the national median. Here's what the latest numbers mean for a family's plan. By George A. Mellendorf, CLTC, President, Central States Insurance Services, Inc. ยท October 30, 2026 ## Key points - Florida: $146,000 a year for a private nursing home room and $124,100 for semi-private (CareScout 2025) (CareScout). - Nationally: $129,575 private and $114,975 semi-private (CareScout). - In 2025, $250,000 covered only about 2.8 years of care, down from 3.8 years in 2020 (Forbes Advisor). - Medicare doesn't pay for long-term custodial care (Medicare.gov). You can't plan for a cost you've never looked up. Florida's latest numbers from the CareScout 2025 Cost of Care Survey are a good place to start, and they're higher than most people expect. ## The Florida numbers | Care type | Florida median, 2025 | National median, 2025 | |---|---|---| | Nursing home, private room | $146,000 a year | $129,575 a year | | Nursing home, semi-private room | $124,100 a year | $114,975 a year | Sources: CareScout Florida data and CareScout national results. Costs also vary within the state, from the Panhandle to Southwest Florida. ## How long savings last In 2025, $250,000 in savings covered only about 2.8 years of care, down from 3.8 years in 2020 (Forbes Advisor). At Florida's private-room median, the same $250,000 would last about 20 months. Compare that with the average need: women need care for 3.7 years on average and men for 2.2 (ACL). For many families, savings alone run out before the need does. ## What doesn't pay Medicare.gov is clear that Medicare doesn't pay for long-term custodial care, the everyday help that makes up most nursing home stays. Medicaid does pay for nursing home care, but in Florida a single applicant generally must have no more than $2,000 in countable assets to qualify. ## What a plan looks like The purpose of long-term care insurance is to turn a five- or six-figure annual cost into a fixed premium, ideally locked in while you're healthy. Three ways to do it: - Traditional long-term care insurance: usually the most coverage for each premium dollar. - Hybrid life/LTC: pays for care, or a death benefit if care is never needed. - Annuity care: repositions existing savings into a larger pool for care, often with simpler underwriting. ## See your own numbers Our page on what long-term care costs shows national and Florida figures side by side, and the cost of care tool covers other states. The free Pool of Money calculator compares your savings with your state's costs, grown by inflation. In Florida, you also have 30 days after delivery to review a new long-term care policy and return it for a full refund (Florida DFS). ## Common questions **How much does a nursing home cost in Florida?** According to CareScout's 2025 survey, a private room in Florida runs a median of $146,000 a year and a semi-private room $124,100. **Are Florida nursing home costs higher than the national average?** Yes. Nationally, the 2025 medians were $129,575 a year for a private room and $114,975 for a semi-private room. **How long will $250,000 last in a Florida nursing home?** At Florida's private-room median of $146,000 a year, about 20 months. **Does Medicare pay for a nursing home in Florida?** Only for a short skilled nursing stay after a qualifying hospital admission, up to 100 days. Medicare doesn't pay for long-term custodial care. ## Sources 1. CareScout: 2025 Cost of Care data for Florida: https://www.businesswire.com/news/home/20260302523108/en/CareScout-Releases-2025-Cost-of-Care-Data-for-Florida 2. CareScout: 2025 Cost of Care Survey results: https://investor.genworth.com/news-events/press-releases/detail/1054/carescout-releases-2025-cost-of-care-survey-results 3. Forbes Advisor: Long-term care is getting more expensive (CareScout data): https://www.forbes.com/advisor/life-insurance/long-term-care-getting-more-expensive-lmandp5/ 4. Medicare.gov: Long-term care coverage: https://www.medicare.gov/coverage/long-term-care 5. Administration for Community Living: How much care will you need?: https://acl.gov/ltc/basic-needs/how-much-care-will-you-need 6. Florida Department of Financial Services: Long-Term Care Overview: https://myfloridacfo.com/division/consumers/understanding-insurance/long-term-care-overview Get a free, no-obligation quote comparison: https://fundingltcmarketplace.com/fb/florida-nursing-cost/?utm_source=blog&utm_medium=article&utm_campaign=blog_2026q4&utm_content=florida-nursing-home-costs-2025 or call (239) 527-4000. Funding LTC Marketplace is operated by Central States Insurance Services, Inc., Ft. Myers, FL. George A. Mellendorf, CLTC, Florida licensed insurance agent, License # A175981, NPN # 538220. Verify at licenseesearch.fldfs.com/Licensee/211790. This is not an offer of insurance. Coverage, rates, and eligibility are determined by the issuing carrier through underwriting. Not affiliated with or endorsed by Medicare or any government agency.