A clear, current breakdown of assisted living, memory care, in-home, and nursing costs across Orange, Osceola, Seminole, and Sumter counties — and the levers that lower the bill.
By Orlando Senior Advisor Care Team · June 28, 2026
In the Orlando metro, assisted living generally runs about $3,400–$5,400 a month, memory care $4,700–$6,900, and skilled nursing $8,400–$12,400 for private pay. In-home care averages roughly $26–$38 an hour. These are local market figures, not national averages, and they shift with room type, care level, and the size of the community.
Geography matters inside the metro. Winter Park, Lake Mary, Celebration, and Oviedo run 8–15% above the metro average on comparable care; Kissimmee, St. Cloud, Apopka, and Sanford typically run 5–12% below. The Villages, an hour northwest, is its own large market with a full continuum of care.
A base assisted-living rate usually covers housing, meals, 24-hour staff, housekeeping, and activities. Extra charges — medication management beyond the basic tier, two-person transfers, incontinence care, and one-on-one aide time — are usually what separate the quoted price from the real bill. Always get an itemized rate sheet before comparing communities.
The biggest levers are a shared (companion) room, choosing a small board-and-care home over a large campus, and right-sizing the care level rather than buying a tier you don't need yet. Benefit programs help too: VA Aid & Attendance can add $1,800–$2,900 a month for eligible veterans and surviving spouses, and Florida's SMMC Long-Term Care Medicaid waiver covers personal care for those who qualify.
A free local advisor can map which of these apply to your family and which Orlando-area communities accept the Medicaid waiver — often before you've toured a single building.
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