Adult day care vs Assisted living vs Home care aide vs Nursing home (private room) in Florida: what 3 years of care starting at age 80 costs
Adult day care has the lowest projected total cost for 3 years of care starting at age 80 in Florida: $123,235 ($302,209 below the next-cheapest type). Adult day care: $123,235; Assisted living: $425,444; Home care aide: $628,933; Nursing home (private room): $922,705. These are projected totals in US dollars from state survey medians grown at the observed rate of care-price inflation, not quotes from any provider.
The same assumptions in every column
In this comparison of Adult day care, Assisted living, Home care aide and Nursing home (private room) (projected totals in US dollars), every column uses Florida, a current age of 65, care starting at age 80 and 3 years of care. Only the care type changes. Each column is its own call to the same API with the same inputs. The calculation table reports the exact dollar figures the API returned, with the low and high end of the inflation range for each care type.
What the projection leaves out
For Adult day care, Assisted living, Home care aide and Nursing home (private room), the projected totals in US dollars leave out what the survey does not cover. The range is the same projection at the 10th and 90th percentile of past 12-month changes in that price index (2.82 to 5.32 percent a year). It covers inflation only. Sampling error in the survey median. The survey publishes no per-state sample size or standard error, so the band covers inflation only. Survey medians describe what providers reported charging, not a quote for any one provider. Nursing home means a private room. Home care aide uses the survey's non-medical caregiver rate at its standard weekly hours. Costs outside the survey (medications, supplies, home changes) are not included.
Try your own numbers
Open the Celuvra calculator. The totals in US dollars for Adult day care, Assisted living, Home care aide and Nursing home (private room) come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter your own age, savings and state there to see how paying for care from savings compares with insuring it. A person's actual care needs, health and coverage will move the numbers.
More Celuvra comparisons. Read the Cost of Care Survey. Read about the consumer price index.
Calculation provenance
Starting figure: the 2025 state median for adult day care from the CareScout (Genworth) Cost of Care Survey, adult day care median, FL: 1625 dollars a month. Growth: the compound annual growth of the index over the latest five years, to 2026-08, 4.76 percent a year (series CUUR0000SEMD02). Sample size UNAVAILABLE: the survey publishes no per-state sample size or standard error. Inspect the API. Response hashes and retrieval times are retained separately in the calculation record.
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Calculation data
| Input | Value |
|---|---|
| state | FL |
| current Age | 65 |
| care Start Age | 80 |
| years Of Care | 3 |
| Measure | Adult day care | Assisted living | Home care aide | Nursing home (private room) |
|---|---|---|---|---|
| Projected total cost of 3 years of adult day care (USD) | 123,235.00 | 425,444.00 | 628,933.00 | 922,705.00 |
| Total at the 10th percentile of observed inflation (USD) | 91,343.00 | 315,345.00 | 295,058.00 | 683,922.00 |
| Total at the 90th percentile of observed inflation (USD) | 134,133.00 | 463,067.00 | 1,104,132.00 | 1,004,303.00 |
| State median monthly cost today (USD) | 1,625.00 | 5,610.00 | 6,101.00 | 12,167.00 |
| Distance from winning value (USD) | 0.00 | 302,209.00 | 505,698.00 | 799,470.00 |
| Decision | Winning value | Alternative value | Alternative value | Alternative value |
Winner: Adult day care. Objective: minimize. Margin to next option: 302,209.00 USD. Assumption: Lowest projected total cost of the stated years of care only. Quality of care, availability, a person's actual needs and who pays (insurance, Medicaid, savings) are not compared.
- winner
- adult-day-care
- objective
- minimize
- metric
- totalProjectedCost
Source and assumptions
- Starting figure: the 2025 state median for adult day care from the CareScout (Genworth) Cost of Care Survey, adult day care median, FL: 1625 dollars a month. Growth: the compound annual growth of the index over the latest five years, to 2026-08, 4.76 percent a year (series CUUR0000SEMD02).
- The range is the same projection at the 10th and 90th percentile of past 12-month changes in that price index (2.82 to 5.32 percent a year). It covers inflation only. Sampling error in the survey median. The survey publishes no per-state sample size or standard error, so the band covers inflation only.
- Survey medians describe what providers reported charging, not a quote for any one provider. Nursing home means a private room. Home care aide uses the survey's non-medical caregiver rate at its standard weekly hours. Costs outside the survey (medications, supplies, home changes) are not included.
Adult day care. Data layer: Celuvra care_costs (CareScout survey medians) and care_inflation (BLS CPI-U). Source: CareScout (Genworth) Cost of Care Survey 2025; U.S. Bureau of Labor Statistics, CPI-U CUUR0000SEMD02. Vintage: Survey 2025, fetched 2026-10-11; price index fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:50:10.202Z
Source updated: survey 2025, fetched 2026-10-11; CPI series CUUR0000SEMD02, fetched 2026-10-11
Cache: Unreported
Response SHA-256
92a048c1436212cf3a89a1dfdf1815009c18b468c240e804ec7879e6c956c647Assisted living. Data layer: Celuvra care_costs (CareScout survey medians) and care_inflation (BLS CPI-U). Source: CareScout (Genworth) Cost of Care Survey 2025; U.S. Bureau of Labor Statistics, CPI-U CUUR0000SEMD02. Vintage: Survey 2025, fetched 2026-10-11; price index fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:50:10.448Z
Source updated: survey 2025, fetched 2026-10-11; CPI series CUUR0000SEMD02, fetched 2026-10-11
Cache: Unreported
Response SHA-256
a589b9e4925575cec129872e37b5752dd6f51f3532c8b0050c274342c39da3f9Home care aide. Data layer: Celuvra care_costs (CareScout survey medians) and care_inflation (BLS CPI-U). Source: CareScout (Genworth) Cost of Care Survey 2025; U.S. Bureau of Labor Statistics, CPI-U CUUR0000SEMD03. Vintage: Survey 2025, fetched 2026-10-11; price index fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:50:10.698Z
Source updated: survey 2025, fetched 2026-10-11; CPI series CUUR0000SEMD03, fetched 2026-10-11
Cache: Unreported
Response SHA-256
993e9424d3eb9b8aa19923365d7924e8863dd15e3631362c2d48aad9e6befe08Nursing home (private room). Data layer: Celuvra care_costs (CareScout survey medians) and care_inflation (BLS CPI-U). Source: CareScout (Genworth) Cost of Care Survey 2025; U.S. Bureau of Labor Statistics, CPI-U CUUR0000SEMD02. Vintage: Survey 2025, fetched 2026-10-11; price index fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:50:10.933Z
Source updated: survey 2025, fetched 2026-10-11; CPI series CUUR0000SEMD02, fetched 2026-10-11
Cache: Unreported
Response SHA-256
586f39040da8ea0a8498d2f505c72f08a5654570785c6321f8190c0608218048Questions about this comparison
Which type of long-term care costs the least in Florida?
Adult day care has the lowest projected total cost for 3 years of care starting at age 80 in Florida: $123,235 ($302,209 below the next-cheapest type). Adult day care: $123,235; Assisted living: $425,444; Home care aide: $628,933; Nursing home (private room): $922,705. These are projected totals in US dollars from state survey medians grown at the observed rate of care-price inflation, not quotes from any provider.
What is held constant in this comparison?
In this comparison of Adult day care, Assisted living, Home care aide and Nursing home (private room) (projected totals in US dollars), every column uses Florida, a current age of 65, care starting at age 80 and 3 years of care. Only the care type changes. Each column is its own call to the same API with the same inputs.
What do these projections leave out?
For Adult day care, Assisted living, Home care aide and Nursing home (private room), the projected totals in US dollars leave out what the survey does not cover. The range is the same projection at the 10th and 90th percentile of past 12-month changes in that price index (2.82 to 5.32 percent a year). It covers inflation only. Sampling error in the survey median. The survey publishes no per-state sample size or standard error, so the band covers inflation only. Survey medians describe what providers reported charging, not a quote for any one provider. Nursing home means a private room. Home care aide uses the survey's non-medical caregiver rate at its standard weekly hours. Costs outside the survey (medications, supplies, home changes) are not included.
How can I try my own numbers?
The totals in US dollars for Adult day care, Assisted living, Home care aide and Nursing home (private room) come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter your own age, savings and state there to see how paying for care from savings compares with insuring it. A person's actual care needs, health and coverage will move the numbers.