Florida is a state that needs little introduction. It's called The Sunshine State because it's sunny with mild winters year-round. It's known for its gorgeous beaches and beautiful resorts and is one of the golfing capitals of the world. Not to mention, it's home to many famous theme parks. If you're retiring to Florida, then chances are you want to spend your golden years having adventures, and we don't blame you. With that said, you may believe that the cost of living comes at a price. However, you might be surprised to learn that these costs are less than you think.
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The cost of living in Florida is about two points below the national average. The highest cost you will pay in this state is the cost of groceries, which are seven points above the national average. However, the housing and median home costs are below the average, though rent is higher. Florida's costs can depend on where you're retiring to; a country club in Miami will be a lot more than a small home in a small town. So do your research and see which area is appropriate for your budget. Then, make Florida your home.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
VerifiedCoconut Creek, FL
4.1 · 70 reviews
Haines City, FL
4.0 · 72 reviews
Vero Beach, FL
4.2 · 63 reviews
Clearwater, FL
4.3 · 59 reviews
Fernandina Beach, FL
4.5 · 58 reviews
Jupiter, FL
4.0 · 58 reviews
Caregivers who come to you
Jacksonville, FL
4.7 · 235 reviews
Longboat Key, FL
4.6 · 223 reviews
Ormond Beach, FL
4.5 · 202 reviews
Bagdad, FL
4.2 · 141 reviews
Boca Grande, FL
4.7 · 118 reviews
Fort Lauderdale, FL
4.6 · 118 reviews
55+ housing without daily care
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Guides for families
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The repeal of WEP and GPO restored Social Security for more than 3 million public-sector retirees, and the agency has paid about $17 billion in back benefits. But those lump sums are taxable, a surprise bill hit this filing season, and a proposal in Congress would change it. Here is where things stand.
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Amazon offers discounted Prime membership through Prime Access for eligible seniors, with qualification based on income or government assistance rather than age. Learn which documents you need and how to complete signup.
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Most U.S. airlines quietly dropped senior fares. We checked all 13 carriers against their own pages: which discounts are real in 2026, which are gone, and how to tell a senior fare from a regular one.
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Compare senior grocery discounts at 13 chains, including age requirements, shopping days, and exclusions. Learn how to confirm local participation and request savings at checkout.
More beyond care: all savings guides and all buying guides.
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