Independent living communities in Sarasota, Florida, are some of the most sought-after in the United States. Sarasota is a senior living paradise, complete with 40 miles of world-class beaches, low crime, and the cultural amenities of a much larger city. A Place for Mom partners with 20 independent living communities within a 10-mile radius of downtown Sarasota.
Seniors move to Sarasota looking for something special. Whether it’s warm weather, spiritual renewal, or a community of like-minded people, Sarasota offers plenty of ways to make that expectation a reality. Approximately 37% of people living in Sarasota are over 65, and the city caters to the needs of its senior residents. The city has exceptional senior centers, an excellent network of hospitals, and plenty of senior living options. In fact, seniors in Sarasota may face the challenge of having too many options rather than too few.
While independent living communities don’t provide personal care services or medical care, they typically offer meal plans, housekeeping, and daily activities such as classes and social hours. Standards are high in Sarasota, as the city’s independent living communities tend to offer more amenities, high-quality dining, and exceptional living conditions than you’ll find in many other U.S. cities.
This guide has everything you need to know about independent living in Sarasota, Florida. Explore how much independent living in Sarasota costs plus how to pay, and learn about local laws and regulations. You’ll also find information about transportation, health care options, and activities.
My mother moved in over a month ago. She’s loving it. Many activities. The food is great. People & staff are wonderful My apt is beautiful. Love walking the grounds. It’s beautiful out back. Lovely trees.
My mom is in good hands with the Brookdale team. They go out of their way to make sure she is engaged and settling in nicely. We couldn’t be happier that we made the right decision with the Crossings...
Please note my father passed away about 3 months after living there, and the staff got him into a great wound care place because the rehab he came out of right before moving there were awful and released him...
I joined the Windsor just recently and my experience has been great so far. I have had good rapport with the people who work here and they have been able to make me feel comfortable by answering my...
Did my homework. Visited 3 Independent Living communities. At 83 years old, I was tired of maintaining my home. I choose Stone River. It is more superior than the 2 other communities I visit 2. We have many...
My parents were hesitant to move out of their townhome and into an independent living facility until they walked into Cypress Springs. The residents and staff were very friendly and caring from that first...
My Mom moved into Memory Care at HarborChase of Sarasota in June of 2022. I cannot say enough good things about the community, the nursing staff and the aides and all the other staff members. She has...
From the management team to the staff this is a very caring and exceptional community. They have fun activities for residents, great food and most importantly take great care of residents. If a loved one...
My brother in law who lives there isn't happy with the dining room service. We know you are short handed in there and we try to explain that to him but at 93 years of age he is impossible sometimes. Other...
Everyone was very kind and friendly. They were wonderful with the patients very caring and kind. I had dinner in the dining room with my husband a few times and the menu was varied and well.prepared. When...
A wonderful place! The team is so pleasant. They make Sunrise a happy place. Everyone is well cared for and the place is clean and inviting. Remarkable people make a wonderful place.
Love the staff. Like the activities. Very happy with the food. Very nice neighbors. A few issues...electricity went out during storm. I would think the generators would Cover the rooms! Shower way too small!...
Highly recommend Alloro for very independent and active seniors that are 55 and older. It is expensive, but they offer very high quality apartments. The meals are limited, but overall I would highly...
Mom has experienced both sides of Elan, She was accepted into the assisted living portion of the facility at first and as her disease has progressed she was moved into the full time memory care. All the...
When my Dad first moved in the staff was very friendly and helpful with getting his apartment ready. The apartments are a great size for a single guy.
This was based on the outside of my apartment . I lived at Woodlands the last time for one year. The entire half off of my front screen was hanging almost to the ground. This was in an apartment facing...
I was told many times that something would happen, but that wasn't communicated to the right people and so it didn't. The yard is beautiful, activities are great, staff is very friendly and food is very...
All good except food and wait staff shortage. Clients are leaving the facility because of the lack of food quality and inadequate staffing in the dining room.
I could not allow another day to pass without sharing the wonderful experience that my mom had in respite care! The Windsor is a combiation of a resort and a grand loving home! Working with the Sales...
As we helped our mom find a place she liked when she could no longer live at home alone, we visited a lot of facilities and she liked the Fountains of Hope Fountains of Hope is a very clean and...
While it was a stressful situation we could not do it without the help, resource's and guidance provided by A Place for Moms. Summerfield also stepped up and offered the best professional experience. We...
Excellent on everything! i really think this move was perfect for my mother, the facility is wonderful and clean. the staff is super nice. if i had a complaint it would be they have a bus that only holds 12...
A Place for Mom helped us connect with Elance now known as The Barclay. My parents have been thrilled with this location. It went very smoothly and we cannot be more grateful for the end result. They have...
This is really a nice place. Someone here at the complex said if you get bored here it's your own fault . The staff is excellent and the facility is excellent. I can't rave enough . My apartment is a one...
We developed a proprietary recommendation system that orders Sarasota community options based on factors we know are important to seniors and their families:
We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information
We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities
The average cost of independent living in Sarasota is $3,689 a month, according to data from A Place for Mom’s partnering communities.[01] Independent living communities provide much more than a living space, which is accounted for in the higher fee.
Rolled into the monthly fee for independent living are the following amenities or services:
Independent living communities are more expensive than senior apartments. However, they may be more affordable than you think if you account for everything the monthly fee includes.
Some seniors find that after adding up their rent or mortgage payment, utilities, groceries, security systems, personal transportation, and hobbies, they’re already paying as much or more than they would in an independent living community. Consider doing the math on your expenses to see if an independent living community could benefit your finances.
People are willing to pay for paradise, making Sarasota one of the most expensive places to live in Florida. On average, people pay 22% more for housing in Sarasota than they do throughout the rest of the state.[03] However, according to our proprietary data, the cost of independent living communities in Sarasota is at or slightly below the national average.
Florida doesn’t tax income, including Social Security benefits or pensions. The state also doesn’t have an inheritance or estate tax, which benefits seniors and their families. These tax breaks may help offset some of the higher living costs in Sarasota.
In Sarasota, there are two types of independent living communities: traditional communities with multiple care types and continuing care retirement communities (CCRCs). The primary difference between the two is in their payment structure.
Traditional independent living communities in Sarasota tend to include independent living, assisted living, memory care, and skilled nursing in the same complex. Seniors residing in the independent living wing pay a monthly fee for their rent, utilities, means, and more. If a resident undergoes surgery or begins to need more assistance, the monthly fee goes up (often by a large amount) to pay for the added care.
At CCRCs, residents pay for their added care before they need it. This is usually called a buy-in fee, or an admissions fee. To enter a CCRC, a senior typically needs to pay a fee between $50,000 to $500,000. As their care needs progress, their monthly fee stays about the same because the cost of care is offset by the admissions fee.
Some CCRCs offer a return-of-capital (ROC) plan, which returns up to 80% of the admissions fee to the senior or the senior’s family if the resident moves out or passes away before needing care services.
The figures in the chart below reflect the baseline fees for independent living in Sarasota before adding admissions fees or additional fees to account for utilities, meals, or other amenities.
Most seniors in Sarasota use their income or savings to pay for their independent living community. While public funds like Medicaid and Medicare won’t pay for independent living, it’s still important to understand how to use these methods to pay for other expenses. Read on to learn how to leverage your personal assets to keep the independent living community of your dreams within reach.
If you’re considering independent living and have a retirement account or other investments, keep in mind that these are the most common ways to pay for independent living, but they’re certainly not the only ways. Review the articles below to learn how to use your other assets to pay for your Sarasota independent living community.
Veterans will find a welcoming community in Sarasota. About 78% of veterans in Sarasota are over 65, so the city has plenty of resources to help senior veterans thrive.[04] The Sarasota County Department for Veterans Services is one of the largest local organizations, and it’s a good starting point for finding benefit eligibility information and community resources.
Veterans benefits may help you cover some of your independent living expenses. Benefits like the VA pension and the Aid and Attendance benefit can be used to pay for anything that improves your quality of life, such as the monthly fee of your independent living community. Other benefits, like the Housebound allowance, have more restrictions.
Eligibility for veterans benefits is decided on a case-by-case basis, and there are multiple requirements for each benefit. It’s best to speak with a benefits counselor to make sure you know which benefits you’re eligible for. These counselors can also help you through the application process.
Applying for veterans benefits can be a long and complicated process, but you certainly don’t have to go through it alone. You’re more likely to receive the right benefits if you work with a benefits counselor. A helping hand can make the process a lot less stressful.
We compiled a list of the best benefits counselors in your area. You may want to reach out to more than one to see which counselor is the best fit for you and your needs.
Both the state government of Florida and city organizations offer veterans benefits counseling to seniors in Sarasota. The Sarasota Vet Center also offers mental health counseling to veterans and their families and can connect veterans in need to employment and housing opportunities. Read on to learn about state and local veterans benefits counseling services in Sarasota, Florida.
Number of veterans who live in Sarasota, Florida
About 78% of veterans in Sarasota are 65+.
Resources for Sarasota veterans
Florida Department of Veterans’ Affairs
9500 Bay Pines Blvd., #214
St. Petersburg, FL 33708
Phone: 727-316-7440
Email: VSO@fdva.state.fl.us
Virtual benefits counseling
Sarasota County Department for Veterans Services
2200 Ringling Blvd., Suite 125
Sarasota, FL 34237
Phone: 941-861-3024
Email: veterans@scgov.net
Benefit Seminar Request Form
Sarasota Vet Center
4801 Swift Road
Sarasota, FL 34231
Phone: 941-927-8285
Veterans of Foreign Wars (VFW) Post 3233
124 S. Tuttle Ave.
Sarasota, FL 34237
Phone: 941-365-1918
Disabled American Veterans Chapter 97
7177 Bee Ridge Road
Sarasota, FL 34241
Phone: 727-319-7444
Neither Medicaid nor Medicare will cover your independent living expenses. Both are health insurance programs, and because independent living doesn’t offer personal or health care, neither program can pay for your independent living costs. However, understanding what Medicaid and Medicare will cover can help offset your health care expenses.
Like all Medicaid programs, Florida Medicaid is a state-run health insurance program for low-income individuals. Florida Medicaid is overseen by the Agency for Health Care Administration (also called the AHCA). Eligible individuals can enroll in one of two different Florida Medicaid programs.
Medicaid is for low-income individuals, and most people living in an independent living community exceed the income limit for Florida Medicaid. You’re eligible for Florida Medicaid if you meet the following criteria:
You must also meet at least one of the following standards:
Medicare is run by the federal government. It covers some health care expenses for seniors over 65 in the United States. To receive Medicare assistance, you need to be over 65 and have paid your Medicare taxes or be married to someone who has.
Like Medicaid, Medicare won’t cover the monthly fee in your independent living community. However, it may pay for your medically necessary and short-term health care costs.
Medicare covers only short-term and medically necessary health care expenses. For example, Medicare will cover your stay in a hospital or a rehabilitation facility for up to 20 days, including the cost of the room, meals, and all care. From day 21 to day 100, Medicare will only cover some of the cost. After day 100, Medicare will cover none of the cost. Short-term medical care also includes recurring expenses, like dialysis or medications.
Remember that what is medically necessary for one person may not be medically necessary for another. A physician and Medicare have to agree that a procedure, item, or test is medically necessary before it’s covered by Medicare. You can get a sense of what Medicare covers by going to the Medicare coverage portal.
Yes, Sarasota residents can access assistance paying their Medicare premiums through local Medicare Savings Programs. Information about these programs, including how to enroll, are on the federal Medicare website. To be eligible, you may need to make less than $1,549 a month. Financial eligibility may be updated annually.
Yes, Sarasota residents can access benefits counseling for Medicaid or Medicare through the Florida Department of Health. The Department of Elder Affairs for the state of Florida also offers expert benefits counseling. You can sign up to talk to a counselor on the Elder Affairs website. You can direct any complaints about your Medicaid or Medicare coverage to the Florida Ombudsman Citizens’ Aide.
Sarasota Medicaid and Medicare resources
Florida Medicaid
2727 Mahan Drive
Tallahassee, FL 32308
Phone: 866-762-2237
Apply for Florida Medicaid, MMA plan
SSA office — Sarasota
2001 Siesta Drive
Sarasota, FL 34239
Phone: 800-772-1213
Department of Elder Affairs for the State of Florida
Phone: 800-963-5337
Area Agency on Aging for Southwest Florida, Inc.
2830 Winkler Ave., Suite 112
Fort Myers, FL 33816
Phone: 239-762-6900
Unlike other senior care types, the Florida Department of Health doesn’t regulate or license independent living communities. Instead, independent living communities should follow all Florida housing and apartment codes. The only additional requirements independent living communities may have are age limits and health standards. For example, some independent living communities may limit ages to 55 or 65 and above, and others may limit residents to only those who don’t need personal care.
In Sarasota, most independent living communities are part of large, multilevel care facilities that include assisted living, memory care, and occasionally skilled nursing wings. These other care types are regulated by the Florida Department of Health. You can learn more about how these care types are regulated in Florida by checking out A Place for Mom’s assisted living, memory care, or nursing home pages for Sarasota.
Residents of Sarasota’s independent living communities enter into a tenant-landlord relationship. Senior residents should follow the same standards as all tenants by taking care of their dwelling, paying their monthly fee on time, and adhering to community guidelines. The communities are responsible for keeping the dwelling in a livable condition and should follow the same regulations as all landlords in Florida.
The Florida Department of Agriculture and Consumer Services may mediate any disputes you have with your independent living community. This department is the governing body responsible for all tenant-landlord disputes in Florida.
If you’re a resident of a Sarasota independent living community, you have the same rights and responsibilities as tenants of any other rental property in Florida. It may be a long time since you’ve rented, or perhaps you’ve never rented. So before entering into your independent living community, it’s a good idea to understand your rights and responsibilities as a tenant.
Residents of Sarasota independent living communities are expected to do the following:
Independent living communities in Sarasota should follow these standards:
Florida Department of Agriculture and Consumer Services
400 S. Monroe St.
Tallahassee, FL 32399-0800
Phone: 800-435-7352
Independent living communities in Sarasota follow all guidelines developed by the Centers for Disease Control and Prevention, the state of Florida, and the city of Sarasota to mitigate the effect of COVID-19. Independent living communities tend to be less strict than other senior care types when it comes to masking, social distancing, and quarantining. Neither Florida nor Sarasota have any masking, vaccination, and quarantine requirements for independent living communities.
Sarasota County publishes vaccination locations, testing centers, and safety recommendations on their COVID-19 FAQ page.
Vaccinations. Visitors are allowed in all senior care facilities in Florida regardless of vaccination status.
Masking. There are no masking requirements for Sarasota independent living communities.
Facility cleanliness. High-use areas are regularly disinfected.
There’s something special about Sarasota, as this Florida locale regularly tops lists as one of the best places to retire in the United States. With its safe and clean neighborhoods, vibrant culture, and, of course, its famous beaches, Sarasota is exceptional. Many seniors in Sarasota look for a hassle-free lifestyle and a built-in community. Sarasota’s independent living communities provide both.
Independent living provides much more than a private space in a community of other older adults. In Sarasota, independent living communities offer meal plans in their restaurant-style dining rooms, daily activities, housekeeping, individualized wellness plans, and resort-like amenities.
Nearly all of Sarasota’s independent living communities are connected to assisted living, memory care, and skilled nursing wings. As care needs progress, residents can easily move to a new care type within the same facility.
Most independent living communities in Sarasota are set within large multilevel care facilities that most often include assisted living, memory care, and occasionally skilled nursing wings. Seniors have high standards in Sarasota, and the independent living communities reflect this. The most popular ones are newer builds with state-of-the-art amenities and design features. Many have their own walking or biking paths, pools, and pickleball courts.
Fewer communities in Sarasota offer only independent living. These provide similar services as multilevel care facilities, but they tend to be even newer and more luxurious. They also have a wider array of activities and amenities available to their residents.
A small portion of partnering independent living communities in Sarasota are continuing care retirement communities (CCRCs), which provide the same type of care and amenities as traditional independent living communities. The main difference is in their payment structure. CCRCs require an admissions fee in addition to the monthly fee. Admissions fees can be between $50,000 and $500,000.
The admissions fee subsidizes any future care needs, particularly skilled nursing care. While skilled nursing care is an additional (often very high) fee in traditional independent living communities. In CCRCs, the monthly fee stays consistent regardless of the type of care.
Almost 37% of Sarasota’s 54,764 residents are over 65, and this percentage is expected to increase in the coming years.[02] This is due, in part, to Sarasota’s reputation as a senior living paradise. While technically a small city, Sarasota has the cultural opportunities of a much larger metropolis, and crime is also very low compared to other places in Florida.
Sarasota also enjoys the temperate Gulf Coast weather while remaining protected from most of the storms along Florida’s western shores. Because Sarasota is so desirable, the cost of living is about 22% higher than in the rest of Florida.[03]
About half of the seniors in Sarasota are snowbirds, coming for the winter months to stay in a second home or a rental property. The other half resides in Sarasota permanently, whether in their own home, in an independent living community, or within a different senior care facility. Plenty of well-resourced seniors are attracted to Sarasota, including some familiar names like Mick Jagger of The Rolling Stones, Brian Johnson of AC/DC, and Stephen King, who all call Sarasota home for at least part of the year.
Lower-cost options for independent living are available nearby in both Bradenton and Lakewood Ranch. Bradenton is just north of Sarasota and is becoming an increasingly popular senior living destination, and while it’s only about 15 miles away from Sarasota, Bradenton’s senior living options tend to be about $500 cheaper on average.
Lakewood Ranch is inland from Sarasota and also has a growing senior population. More young professionals and families reside in Lakewood Ranch, and while it’s not as close to the water as Sarasota, it’s still within a 25-minute drive.
Neighborhoods like Siesta Key and Longboat Key in Sarasota tend to be considerably more expensive than the rest of Sarasota. These neighborhoods don’t have any senior living options and are instead made up of mansions and second homes. Plenty of seniors live in these neighborhoods, but tend to use home care.
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Number of seniors over the age of 65 currently living in Sarasota, Florida
Percentage of seniors 65 and older within Sarasota’s population
Median annual income for Sarasota seniors 65 and older
Sarasota boasts an excellent network of health care providers and hospitals. Health care providers are spread out across the city, and seniors most often go to the provider nearest to them. All hospitals and health care providers in Sarasota offer compassionate, expert care.
With 895 beds, Sarasota Memorial Hospital is the largest public hospital in Sarasota. It’s operated by the Sarasota Memorial Health Care System and provides care in a wide range of specialties. Providers offer care in geriatrics and neurology, and the hospital has its own Cancer Institute. Sarasota Memorial Health Care System operates six different campuses across Southwest Florida, but the main campus is in Sarasota.
1700 S. Tamiami Trail
Sarasota, FL 34239
Phone: 941-917-9000
Find a provider
This award-winning hospital specializes in acute care, including emergency medicine, burn care, strokes, heart health, trauma, and orthopedics. It’s technically in Bradenton, but it serves the entire Sarasota area.
2020 59th St. W
Bradenton, FL 34209
Phone: 941-792-6611
Find a provider
Encompass Health Rehabilitation Hospital of Sarasota is the area’s top rehabilitation facility. This hospital specializes in rehabilitation care for strokes, hip fractures, and spinal cord rehabilitation. The group also runs support groups for amputees, stroke and cardiac patients, and MS patients.
6400 Edgelake Drive
Sarasota, FL 34240
Phone: 941-921-8600
What to expect
Sarasota may not be very populous, but traffic can still be fierce in the winter months. Most residents drive, but seniors living in independent living communities can take advantage of their community’s complimentary transportation.
The Sarasota County Transit system, also known as SCAT (rebranded in 2023 to Breeze) offers reliable bus transportation throughout Sarasota County, including Siesta Key. OnDemand is a SCAT service that provides pickup and drop-off services for people of all ages. You can find bus routes, fees, and how to sign up for OnDemand on the SCAT website.
WalkScore.com ranks cities for their bikeability, walkability, and public transportation. Each of the following scores for Sarasota are out of 100.
The quality of life for seniors in Sarasota’s independent living communities is among the best in the nation. Beautiful weather, access to one of the best beaches in the United States (hello, Siesta Key!), unparalleled cultural amenities, and high standards make Sarasota something special.
All of A Place for Mom’s partnering independent living communities provide daily social activities and classes for their residents. These range from happy hours to group outings, finance classes, and game nights. Communities regularly schedule beach outings, but residents are always free to come and go as they please.
Most residents also receive personalized wellness coaching. Coordinators work with residents one-on-one to establish physical, mental, and social goals. Personal trainers, dieticians, and counselors are on hand to help seniors reach their highest potential.
As soon as you run your fingers through the bright, white quartz sand and wade into the crystal clear shallows, you’ll understand why visitors call Siesta Key Beach one of the best beaches in the United States. It’s large, too, and rarely overcrowded, so you’ll likely have plenty of space to spread out and relax. Siesta Key Beach also employs lifeguards.
Other than Siesta Key Beach, Sarasota has 37 miles of coastline. Other excellent beaches in the area include Lido Beach, Caspersen Beach, and the Longboat Key Beaches. Even though Sarasota is on the Gulf Coast, it’s often protected from the storms that tend to blow through other beach destinations like Fort Myers.
Delightfully eccentric and shockingly large, the Ringling Museum is a local staple for residents and visitors alike. Home to the Ca d’Zan Mansion, which was built by circus king John Ringling to resemble the palazzos of Venice, this fascinating destination includes multiple museums, two of which take you through Sarasota’s long history as a circus hotspot.
The museum’s Bayfront Gardens showcase examples of the area’s native plants, and the Asolo Theater is the largest repertory theater in the nation. The Ringling Museum also has the State Art Museum of Florida. Seniors get discounted tickets, and tours are available for a fee.
Specializing in air plants, including orchids, the Marie Selby Botanical Gardens is a must-see in Sarasota. It includes beautiful landscaped outdoor walking paths, and a lush indoor greenhouse. While seniors don’t get a discount, the admissions fee is only $11, and members get in free.
The Mote Marine Laboratory offers visitors the chance to get up close and personal with local marine life, including local shark populations. It’s more than an aquarium, however, as it’s also one of the nation’s best marine conservation organizations. It works to restore nearby coral reefs and protect the local sea life.
Programs include the Coffee with a Scientist lecture series, Breakfast with the Sharks, and the SEAsonal Tastings. You should reserve your tickets in advance, as the aquarium limits its capacity, and it tends to be busy.
Sarasota attracts a certain amount of attention from spiritual seekers. Some claim the city is an energy vortex and that it’s protected from coastal weather patterns because of this. Others simply find Sarasota to be an uncommonly peaceful and beautiful place, and some believe it may have something to do with the large amounts of quartz found on the local beaches. Either way, most people can agree that there’s something special about Sarasota.
Sarasota is conveniently located near some of Florida’s most popular destinations. Disney World is about an 80-minute drive away, and Fort Myers is within two hours. Everglades National Park is south of Sarasota, about two and a half hours away.
Visitsarasota.com is a good resource for updated information about activities and events in Sarasota. It’s regularly updated and includes local specials and deals, as well as farmers market locations.
Bayshore Guest Home and Gardens, Grand Villa of Sarasota and Brookdale Colonial Park are the top-rated Independent Living facilities near Sarasota, FL. These Independent Living facilities received the highest rankings based on verified family reviews. See full list of communities.
The average cost of Independent Living in Sarasota is $4,258 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
A Place for Mom. (2022). A Place for Mom proprietary data.
United States Census Bureau. (2021). Age and sex (S0101): Sarasota city [Data set]. American Community Survey.
Rentcafe.com. (2022). United States Census Bureau. (2021). Veteran status (S2101): Sarasota city [Data set]. American Community Survey. Cost of living in Sarasota, FL.
United States Census Bureau. (2021). Veteran status (S2101): Sarasota city [Data set]. American Community Survey.
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A Place for Mom. (2022). A Place for Mom proprietary data.
United States Census Bureau. (2021). Age and sex (S0101): Sarasota city [Data set]. American Community Survey.
Rentcafe.com. (2022). United States Census Bureau. (2021). Veteran status (S2101): Sarasota city [Data set]. American Community Survey. Cost of living in Sarasota, FL.
United States Census Bureau. (2021). Veteran status (S2101): Sarasota city [Data set]. American Community Survey.