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Assisted Living in Saint Cloud, FL

The average cost of assisted living in the city is $3,275 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 5 assisted living facilities in Saint Cloud and 30 in surrounding areas.

The Cost of Senior Care in Saint Cloud, FL

  • Assisted Living: $3,275
  • Nursing Home Care: $8,106
  • In-home Care: $4,004
  • Adult Day Health Services: $1,300

Savannah Court of St. Cloud

3791 Old Canoe Creek Rd
Saint Cloud, FL

Call 1-800-991-9257 for details

Starting at XXXX per month

Call 1-800-991-9257 for details

Starting at XXXX per month

Savannah Court of St. Cloud, senior assisted living is licensed for 36 residents and is full of vibrant activity while offering a warm and comfortable feel throughout.

Royal Gardens of St. Cloud

4511 Neptune Road
Saint Cloud, FL

Call 1-800-991-9257 for details

Starting at XXXX per month

Call 1-800-991-9257 for details

Starting at XXXX per month

Royal Gardens of St. Cloud is a locally owned assisted living care home with 33 esidents. Royal Gardens of St. Cloud is located in a beautiful quiet town. We aim to provide the highest quality of care to all residents…

Bishop Grady Villas

401 Bishop Grady Court
Saint Cloud, FL

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Silver Creek Assisted Living St Cloud

2910 Old Canoe Creek Road
Saint Cloud, FL

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Palamar House

4319 Neptune Rd.
Saint Cloud, FL

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

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Map of Saint Cloud Assisted Living Facilities

Assisted Living Costs in Saint Cloud

Genworth’s 2018 Cost of Care study examined senior care costs throughout the county. The study shows that at $3,275 per month, the average monthly cost of assisted living in Saint Cloud is below the state ($3,500) and national ($4,000) averages.

Prices are higher in many nearby areas, such as Deltona ($3,850), Palm Bay ($3,750) and The Villages ($5,031), and lower in Lakeland ($2,808), which has the lowest assisted living costs in the state. 

Note: Senior care cost data wasn’t available for Saint Cloud, so data for the closest city, Orlando, was used. 

The Cost of Assisted Living in Surrounding Areas

Care Cost Comparison

In Saint Cloud, senior care costs are based on the type of care provided. At an average of $8,106 per month for a semiprivate room, a nursing home costs more than double what assisted living does. This price difference is based on the fact that nursing facilities provide around-the-clock nursing care to seniors who have complex medical needs. 

Seniors who are considering remaining in their home can expect to pay $4,004 per month for a homemaker or home health aide in addition to regular living expenses. By comparison, assisted living costs an average of $3,275 per month and includes room and board. 

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Saint Cloud

Medicaid in Florida

Established on July 30, 1965 by the federal government, Medicaid is the nationwide health coverage program for individuals with low income, including children, adults with disabilities and the elderly. It provides coverage for essential health services, such as primary physician care, hospitalization, emergency and long-term care. 

Medicaid is administered at the state level, and each state has the option to provide additional, optional benefits through state-specific Medicaid waivers and programs. 

In Florida, seniors aged 65 and older who collect Supplemental Security Income benefits are automatically eligible for SSI-Related Medicaid coverage and only need to complete further screening when requesting long-term care services. 

Qualifying for Florida Medicaid

All other seniors must meet income, asset and residency guidelines as follows: 

  • Be a U.S. citizen, U.S. national, permanent resident or legal alien
  • Live full-time in Florida
  • Earn no more than $2,313 per month when applying as a single, or
  • Earn no more than $4,626 per month in joint income when applying with a spouse, and
  • Own no more than $2,000 in countable assets as an individual, or
  • Own no more than $3,000 in joint countable assets when applying with a spouse

Some assets are not countable under Medicaid rules, such as an irrevocable burial contract, one vehicle and household furnishings. A house, condo or mobile home that is owned and occupied by the applicant and/or their spouse is also not counted as long as it’s assessed value is $585,000 or less. 

If only one spouse needs long-term Medicaid services, the income of the community spouse isn’t counted. The community spouse is also eligible to keep up to $126,420 of the couple’s joint assets. 

Qualified Income Trust

Seniors who are ineligible for Medicaid because their monthly income exceeds Medicaid limits may qualify for enrollment by using a Qualified Income Trust

Also known as a Miller Trust, a QIT is an irrevocable trust in which the state is named the beneficiary. Seniors must agree to place all of their income that exceeds Medicaid limits, less money spent on approved medical expenses, into the QIT. Upon death, any money the state has paid towards the seniors’ care costs will be withdrawn from the QIT before any disbursements are made to the estate. 

For more information on Florida Medicaid and the QIT program, visit the Osceola County ACCESS Storefront or phone the ACCESS customer call center at (866) 762-2237. 

Statewide Medicaid Managed Care Long-Term Care Program

Florida seniors aged 65 and older who qualify for long-term Medicaid and meet the clinical criteria for nursing home placement may be enrolled in the Statewide Medicaid Managed Care Long-Term Care Program. This nursing home diversion program provides enhanced home and community-based services that let frail seniors age in place in an assisted living facility. 

In accordance with federal law, all Medicaid participants who request long-term care services must be assessed by the Comprehensive Assessment and Review for Long-Term Care Services program. It’s performed by a registered nurse or designated assessor to determine the most appropriate, least-intrusive placement for each applicant. 

Seniors referred to the SMMC LTC program are assigned services based on their specific needs, and these services may include: 

  • Adult day programming
  • Assistance with activities of daily living 
  • A medical alert system
  • Housekeeping and laundry
  • Skilled and intermittent nursing
  • Medical supplies and mobility equipment
  • Transportation
  • Hospice services
  • Physical therapy
  • Speech therapy
  • Case management

For more information on the SMMC LTC or to request a CARES assessment, contact the statewide Elder Helpline at (800) 963-5337.

Other Financial Assistance Programs for Assisted Living

Optional State Supplementation

Seniors who receive Supplemental Security Income benefits and need to reside in assisted living may qualify for financial assistance through the Optional State Supplementation Program

OSS provides cash benefits to help seniors pay the room-and-board portion of their assisted living costs. Individuals may qualify for up to $78.40 per month and couples up to $156.80 in SSI top-up funds through the OSS program.  

For more information on the OSS, contact ACCESS Florida at (866) 762-2237 or the Social Security Administration at (800) 772-1213.

VA Aid and Attendance and Housebound

Seniors who collect the basic VA pension and need money to pay for assisted living costs may qualify for additional cash benefits through the VA Aid and Attendance or Housebound Allowance. These two enhanced VA pension programs may also be available to applicants who were previously denied the basic VA pension due to excess income since eligibility for these programs is based on a higher income limit than the basic pension. 

For Housebound, applicants must have a permanent disability rated at 100% that confines them to their home.

For Aid and Attendance, seniors must be blind, bedridden, reside in a nursing home, or need help from a caregiver to perform activities of daily living. 

Successful applicants may only collect benefits from one of these two programs. 

For more information and help with the application process, contact Osceola County Veterans Services at (407) 742-8455. 

Assisted Living Resources in Saint Cloud

Senior Center

The Saint Cloud Senior Citizen Center operates a wide variety of social, recreational and wellness activities and events geared towards seniors in two locations. Seniors are welcome to join weekly dances, daily card games, quilting and gardening groups and monthly potluck dinners. 

Saint Cloud Senior Citizen Center – Community House
3101 17th St., Saint Cloud, FL 34769
(407) 957-7392

Saint Cloud Senior Citizen Center – Community House
716 Indiana Ave., Saint Cloud, FL 34769
(407) 957-7392

Veterans Services

Veterans, survivors and dependents can contact the Osceola County Veterans’ Services Office for help with local, state and federal benefits and entitlements. The County Veterans Service Officer is available in Saint Cloud every Thursday for walk-in appointments. 

Outpatient primary, internal medicine and geriatric care services are available at the nearby Kissimmee VA Clinic. 

Osceola County Veterans Services Office – Saint Cloud
810 13th St., Saint Cloud, FL 34769
(407) 742-8455

Kissimmee VA Clinic
2285 N. Central Ave., Kissimmee, FL 34741-2342
(407) 518-5004

Community Agencies

Seniors aged 50 and older can register for the Senior Circle, a free health and wellness program at the Saint Cloud Regional Medical Center. Members can participate in physician-led health seminars, social groups, health education programs and special events. 

The Osceola Council on Aging operates a low-cost shared-ride transportation service for seniors aged 60 and older. 

Saint Cloud Regional Medical Center – Senior Circle
2906 17th St., Saint Cloud, FL 34769
(407) 892-2135

Osceola Council on Aging Shopping Transportation
700 Generation Point, Kissimmee, FL 34744
(407) 846-0359

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