Retirement Homes in Florida | 17 Available Listings & Senior Living Options
Florida remains one of the most popular states for retirement, offering a broad range of retirement homes for different budgets, lifestyles, and care needs.
The number of available options can make comparisons difficult, especially when costs, services, and long-term value vary from one community to the next.
Comparing communities on cost, care, amenities, and location can make it easier to identify the option that best fits your retirement goals.
Florida retirement communities
17 independent-living communities, colored by contract type
Hover or tap a pin to see community details
Why Florida is a Top Retirement Destination
| Category | Why? | Reasons |
|---|---|---|
| Demographics | One of the largest retiree hubs in the U.S. |
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| Climate | Year-round outdoor living, but with heat and storm risk. |
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| Taxes & Finances | One of the most tax-efficient states for retirees. |
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| Healthcare Access | Strong senior-focused healthcare system, especially in metro areas. |
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| Senior Services & Infrastructure | Built around retirement living at scale. |
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Pros
- Warm climate and year-round sunshine
- Beaches and outdoor recreation
- No state income tax
- No tax on Social Security or most retirement income
- Large senior population and retirement communities
- Strong senior services and healthcare networks
- Active social and retiree lifestyle options
Cons
- Hurricane and storm risk
- High humidity and extreme summer heat
- High insurance costs (especially home/wind coverage)
- Expensive housing in desirable areas
- Seasonal crowding from snowbirds
- Uneven healthcare quality across regions
- Rising HOA and community fees
Types of Retirement Communities
Florida offers the full spectrum of senior living, from fully independent to fully medical.
| Type | Best For | Services | Medical Care |
|---|---|---|---|
| Independent Living / 55+ Active Adult | Fully independent seniors | Housing, maintenance-free living, meals (sometimes), social activities, amenities | None |
| Assisted Living (ALF) | Seniors needing help with daily activities | Help with bathing, dressing, meals, medication, housekeeping, supervision | Limited (non-medical support) |
| Memory Care | Dementia / Alzheimer’s care | Secure environment, structured routines, trained staff, full ADL assistance | Limited, supervision-focused |
| CCRC / Life Plan Community | Seniors planning for all future care needs | Independent living + assisted living + memory care + nursing care in one system | Ranges from none to full care |
| Skilled Nursing (SNF / Nursing Home) | People needing 24/7 medical care or rehab | 24/7 nursing, rehab therapy, full assistance with daily living | Full medical care |
Independent living and active-adult subdivisions aren’t regulated by the state, simply because they don’t provide medical or personal care.
Top 17 Florida Retirement Communities (Ranked)
Below is a ranked list of 20 standout Florida retirement communities. These were chosen based on industry rankings and senior-living reviews.
1. Freedom Pointe at The Villages
This home is in Sumter County and is an LCS-managed Life Plan community sitting inside The Villages itself.
- More than 235 independent-living condos
- 74 assisted-living suites
- 75 memory-care suites, and
- 72-bed skilled nursing center
..all under a Life Care contract.
Entrance fees start around $261,500, with monthly fees from $3,780.
They also have a golf course, a clubhouse, and an inter-campus trolley to round out the amenities.
2. Moorings Park
You will find this home in Naples.
Starting Price: From ~$2,400/month
Total Range: $2,400 – $15,000+/month depending on care level & residence type
Entrance Fees: Typically $500,000+ depending on contract and apartment size
What It Offers:
- Independent Living
- Assisted Living
- Memory Care / Memory Support
- Skilled Nursing Care
- Rehabilitation Therapy
- Continuing Care Retirement Community
- Restaurant-Style Dining
- Housekeeping & Laundry Services
- Maintenance-Free Living
- Scheduled Transportation & Campus Tram
- Concierge Healthcare Services
- On-Site Medical & Wellness Programs
- Fitness Center & Wellness Assessments
- Swimming Pool & Spa Facilities
- Social & Recreational Activities
- Arts, Crafts & Woodworking Studios
- Lifelong Learning & Educational Programs
- Spiritual Services & Chapel Programs
- 24/7 Security & Emergency Response
- Library & Theatre Spaces
- Outdoor Gardens, Lakes & Walking Paths
- Pet-Friendly Community
- Beauty Salon & Spa Services
- Club-Style Social Events & Lectures
Yes, the buy-in is steep, but the payoff is a genuinely exceptional healthcare tier layered into a central Naples location.
3. Covenant Living of Florida
Located in Plantation, Broward County Covenant Living is a nonprofit, Lutheran-affiliated CCRC with the full continuum on campus.
Starting Price: From approximately $2,649/month
Higher Range: $4,500 – $6,600+/month depending on apartment type and care level
Entrance Fee (Life Care options): Starts around $89,270+, depending on contract type.
Services
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Rehabilitation Services
- Continuing Care Retirement Community
- Restaurant-Style Dining & Chef-Prepared Meals
- Housekeeping & Laundry Services
- Maintenance-Free Living
- Scheduled Transportation Services
- Wellness & Fitness Center
- Swimming Pool & Jacuzzi
- Social & Recreational Activities
- Arts, Crafts & Creative Studios
- Library & Computer Center
- Lifelong Learning Programs
- Spiritual & Worship Services
- 24/7 Security & Emergency Response System
- Concierge Services
- Outdoor Walking Paths & Gardens
- On-Site Healthcare Access & Wellness Programs
4. St. Mark Village
A Methodist-affiliated nonprofit CCRC with more than 1,000 residences, an 18-hole golf course, and a 5-star-rated skilled nursing facility.
Pricing: Not on site; typical entry $300K–$400K+, monthly ~$4–$5K.
Facilities:
- Concierge services
- Theatre
- Dining venues
- Pool
- Club activities.
5. Oak Hammock at UF
A University of Florida-affiliated Life Plan CCRC.
IL condos plus on-site AL, Memory, SNF. Known for educational and medical tie-ins.
Pricing: Entry $400K+, monthly $4K.
It is affiliated with the University of Florida, which shows up in its educational programming and medical partnerships.
6. Sinai Residences
This retirement home is located in Boca Raton.
A Jewish nonprofit campus with a full continuum, including the Goldlin Pavilion for skilled nursing.
- Independent Living / Life Care: typically from ~$5,000–$6,500/month
- Skilled Nursing / Health Center: about $5,965–$8,100/month
Services
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Short-Term Rehabilitation Therapy
- Life Care / Continuing Care Retirement Community
- On-Site Medical & Health Center
- Physical, Occupational & Speech Therapy
- Restaurant-Style Dining
- Housekeeping & Maintenance Services
- Scheduled Transportation
- Wellness & Fitness Programs
- Social & Recreational Activities
- Arts, Culture & Educational Programs
- Concierge Services
- Beauty Salon & Barber Shop
- Spiritual & Religious Services
- 24/7 Security & Emergency Response
- Pet-Friendly Living
- Private Residences & Assisted Living Suites
- Outdoor Gardens & Walking Areas
- Care Coordination & Medication Management
7. The Glenview at Pelican Bay in Naples
A smaller, luxury Life Plan community, just 180 independent-living units near the beach.
Pricing starts around $350,000, with monthly payments near $4,000.
8. Bay Village of Sarasota
This Village in Sarasota is built around wellness and lifelong learning, with apartments and cottages alongside
- Assisted living
- Memory care, and
- Skilled nursing.
We did try to contact this property for pricing, but they weren’t available at the moment.
But it’s safe to assume, similarly to peer communities, entry near $400,000, monthly near $5,000.
9. Abbey Delray South
If you want a small-town feel, then you can visit this retirement home located in Delray Beach.
A Lifespace-operated, faith-based Life Plan community with entry running between $250,000–$350,000 and monthly $3,000–$4,000.
10. John Knox Village of Central Florida (Orange City)
This is a Lutheran-affiliated CCRC that spreads across a gated, 1,200-acre park, with
- More than 700 independent-living units
- Full care continuum.
Pricing starts at $180,000–$250,000 for entry fees and monthly fees around $3,000.
11. Westminster Communities (Winter Park)
A Presbyterian-sponsored CCRC spanning roughly 100 acres.
You will find their entry pricing at around $200,000–$300,000 and monthly around $3,500.
12. The Fountains at Mill Cove (Jacksonville)
A Presbyterian CCRC set on the St. Johns River. They offer
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Rehabilitation Therapy
- Respite Care (Short-Term Stays)
- Restaurant-Style Dining
- Housekeeping & Laundry Services
- Scheduled Transportation
- Medication Management
- Fitness & Wellness Programs
- Social & Recreational Activities
- Concierge Services
- Beauty Salon & Barber Shop
- Pet-Friendly Living
- Arts & Crafts Programs
- Library & Common Areas
- Wellness Center
Entry starts around $250,000, monthly near $3,000.
13. Shell Point Retirement Community (Fort Myers)
One of the largest on this list, with more than 1,200 independent-living units plus a marina, beach club, and five-star dining alongside the standard care continuum.
Starting Price: From approximately $3,958/month
Entrance Fee: Starts at $176,000 (varies by residence and contract type).
Services
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Rehabilitation Services
- Lifecare (Continuing Care)
- On-Site Medical Center & Physicians
- Pharmacy Services
- Wellness & Fitness Programs
- Restaurant-Style Dining
- Weekly Housekeeping
- Home Maintenance & Repairs
- Scheduled Transportation
- Driver-on-Demand Service
- Concierge Services
- 24/7 Security & Emergency Response
- Social, Recreational & Educational Activities
- Spiritual & Religious Programs
- Golf Course Access
- Swimming Pools & Fitness Center
- Boating & Marina Access
- Walking & Nature Trails
- Library & Arts Programs
- Cable TV & Utilities Included
- Lawn Care & Pest Control
- Pet-Friendly Community
14. The Villages (Sumter/Marion counties)
It is not a single facility, but a sprawling, 150,000-plus-resident, master-planned active-adult community, arguably Florida’s most famous retirement destination, even though it isn’t a licensed CCRC.
Starting Price: Homes from the low $300,000s (varies by home style and neighborhood)
Monthly Amenity Fee: $204/month
Services & Amenities
- Golf Cart-Friendly Community
- Independent 55+ Active Adult Living
- Executive & Championship Golf Courses
- Swimming Pools
- Fitness Centers & Wellness Programs
- Pickleball & Tennis Courts
- Walking & Nature Trails
- Fishing Lakes & Parks
- Over 4,000 Clubs & Social Activities
- Live Entertainment & Town Squares
- Recreation Centers
- Restaurants & Shopping
- On-Site Medical Centers
- Pharmacy Services
- Community Watch (24/7 Security Patrol)
- Scheduled Community Events
- Arts & Crafts Programs
- Lifelong Learning Opportunities
- Dog Parks
- Boating & Outdoor Recreation
- Home Maintenance Resources
- Transportation via Golf Cart Network
Affiliated assisted living facilities and an acute-care hospital sit nearby.
15. Fleet Landing Atlantic Beach/Jacksonville
A Presbyterian nonprofit CCRC near the coast, with dedicated assisted living/memory care.
Starting Price: From approximately $3,100/month (Independent Living estimate; pricing varies by residence and level of care).
Services
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Short-Term Rehabilitation
- Physical, Occupational & Speech Therapy
- Life Care (Continuing Care Retirement Community)
- On-Site Primary Care Clinic & Medical Services
- Medication Management
- Assistance with Activities of Daily Living (ADLs)
- Restaurant-Style Dining
- Housekeeping & Personal Laundry
- Scheduled Medical Transportation
- Wellness & Fitness Programs
- Swimming Pool & Fitness Center
- Social, Educational & Recreational Activities
- Performing Arts Center
- Library
- Chapel & Spiritual Services
- Beauty Salon & Barber Services
- 24/7 Emergency Call System
- Gated Community with Security
- Pet-Friendly Living
- Walking Trails & Outdoor Spaces
- Wi-Fi, Cable TV & Utilities Included
16. Westminster Shores (St. Petersburg)
A Presbyterian Life Plan community on a 100-acre campus near Gulf beaches.
I think this is one of the more approachable price points among the ranked communities listed here.
Starting Price: From approximately $2,248/month (Independent/Assisted Living estimate; pricing varies by residence and care level).
Services
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Short-Term Rehabilitation
- Outpatient Physical, Occupational & Speech Therapy
- Home Care Services
- Pharmacy Services
- Wellness & Fitness Programs
- Restaurant-Style Dining
- Flexible Dining Plans
- Weekly Housekeeping
- Home Maintenance & Utilities
- Scheduled Transportation
- 24/7 Campus Security
- Concierge & Resident Support Services
- Social, Educational & Recreational Activities
- Lifelong Learning Programs
- Arts Studio & Woodworking Shop
- Heated Waterfront Swimming Pool
- Pickleball & Bocce Courts
- Walking Paths Along Tampa Bay
- Kayaking & Waterfront Recreation
- Dog Park
- Pet-Friendly Community
- Life Plan (Continuing Care Retirement Community)
17. Cypress Cove in Fort Myers
It is a quiet, waterfront Presbyterian CCRC.
Starting Price: From $2,711/month
Typical Range: $2,700 – $5,900+/month depending on unit and care level
Entrance Fee: Varies by contract and residence
What does it offer?
- Independent Living
- Assisted Living
- Memory Care
- Skilled Nursing Care
- Rehabilitation Therapy
- Continuing Care (Life Plan Community model)
- Restaurant-Style Dining (3 meals daily in assisted living)
- Housekeeping & Linen Services
- Laundry Services
- Scheduled Transportation
- On-Site Medical & Specialty Care Services
- Wellness & Fitness Programs
- Social & Recreational Activities
- Arts, Crafts & Enrichment Programs
- 24/7 Security & Emergency Response
- Cable TV & Wi-Fi Included (in many plans)
- Maintenance-Free Living (repairs, grounds, utilities in plans)
- Pet-Friendly Community
How to Choose the Right Community
| Factor | Key Questions to Ask |
|---|---|
| Care Needs | Current ADL needs? Mobility limits? Cognitive status? Likely decline? Can care scale from independent → assisted → memory → nursing without relocation? |
| Budget | Total monthly cost (base + add-ons)? Entry fees? Annual increases? What is NOT included? Payment sources accepted (insurance, VA, Medicaid, assets)? |
| Contract Type | CCRC type (A/B/C)? Refund policy? Exit rules? Death/transfer provisions? What services are guaranteed vs separately billed? |
| Location | Distance to family? Access to hospitals? Emergency response time? Climate suitability? Travel convenience for visitors? |
| Size & Culture | Large campus or small community? Resident activity level? Social vs quiet environment? Does resident profile match preferences? |
| Quality & Licensing | Any inspection violations? Complaint history? State reports? Accreditation status? Financial stability (especially CCRCs)? |
| Amenities & Lifestyle | Daily activity variety? Dining quality? Fitness/wellness programs? Transportation? Pet rules? Guest/overnight policies? |
| Staff & Staffing | Staff-to-resident ratio? 24/7 nursing coverage? Night staffing? Staff turnover? Training level? Response time to calls? |
Florida’s combination of sunshine, tax advantages, and robust senior services makes it extremely attractive for retirement.
The state excels at independent, active living environments thanks to its climate and large retiree population, and offers many lifespan communities where residents can secure care for the future under one roof.
Florida Retirement Community FAQs
Usually housing, utilities, meals, maintenance, activities, and fitness facilities. In some communities, assisted living or care services are included, but extras like guest meals or special services may cost more.
It depends on the contract. Some communities refund a percentage (often 50%), while others are non-refundable. Refund terms vary widely, so check the agreement carefully.
No. Medicare does not cover monthly community fees or assisted living. It only pays for short-term skilled nursing or rehab after a hospital stay.
Yes. Many communities offer guest rooms or suites for visitors, usually for a nightly fee depending on availability.
Often yes, especially in independent living. Assisted living or nursing areas may have restrictions. Rules vary by community.
Yes, many communities have waitlists or priority lists for popular units. Wait times vary by location and demand.
Sometimes. Many CCRCs require a buy-in, but some offer rental options or short-term leases depending on the community.
Yes. Medicaid may help in some cases, and veterans may qualify for Aid & Attendance benefits. Most residents still pay using savings, pensions, or home sales.
Yes. Many people use home sale proceeds to fund entry fees or monthly costs. Tax treatment depends on how funds are used and individual circumstances.
Look at nearby hospitals and nursing homes using official ratings like Medicare.gov or state health department tools. Distance and quality both matter.
Type A offers higher entry fees with most care included. Type B has lower entry fees but pay-as-you-go care. Type C is mostly rental with no large buy-in.
Renting offers flexibility and lower commitment. Buying builds equity but requires a larger upfront cost. The choice depends on long-term plans and budget.
