Aging in Place Funding in Florida
Florida residents can access both federal and state programs to help pay for aging-in-place home modifications. Below is every program we've verified, with eligibility details and direct application links.
Federal Programs Available in Florida
These programs are available nationwide but may have state-specific administrators or requirements in Florida.
VA SAH Grant
Grant — Federal
Up to $126,669
Veterans with service-connected disabilities including loss of limbs, blindness, or severe burns
VA SHA Grant
Grant — Federal
Up to $25,000
Veterans with service-connected disabilities including blindness, loss of hands, or severe respiratory injury
VA HISA Grant
Grant — Federal
Up to $6,800
Veterans with any service-connected disability needing home modifications
USDA Section 504
Grant — Federal
Up to $10,000 (grant) or $40,000 (loan)
Rural homeowners 62+ with income below 50% of area median (grants) or below 80% (loans)
HUD OAHMP
Grant — Federal
Up to $5,000 per household
Low-income older adults (60+) in participating communities
Medicaid HCBS Waivers
Waiver — Federal
Varies by state
Medicaid-eligible individuals who would otherwise need institutional care; 47 states cover some home modifications
AAA Programs
Grant — Federal
Varies by locality
Adults 60+ in the service area of their local AAA; typically prioritizes low-income, minority, and rural populations
Florida-Specific Programs
These programs are unique to Florida and may have limited funding or geographic restrictions.
FL SHIP
Grant — FL State
Up to $7,500 (varies by county)
Low to moderate-income homeowners (up to 80% AMI) in any of Florida's 67 counties. Each county administers independently with varying programs.
FL Barrier Removal
Grant — FL State
Up to $15,000 ($3,000 grant + $12,000 forgivable loan)
Income-eligible disabled and elderly homeowners who need accessible modifications. First $3,000 is a grant; balance forgiven at $3,000/year if you stay in the home.
FL SMMC-LTC
Waiver — FL State
Varies (based on care plan)
Medicaid-eligible Florida residents 65+ or disabled adults 18+ who meet nursing home level of care. Covers grab bars, ramps, doorway widening, bathroom modifications.
FL CCE
Program — FL State
Varies
Adults 60+ with functional impairments living at home. Provides home repairs, environmental modifications, and adaptive alterations through local Area Agencies on Aging.
Miami-Dade SHARP
Loan — Local
Up to $40,000 (forgivable after 10 years)
Miami-Dade homeowners 62+ with income at or below 80% AMI. Interest-free forgivable loan — no repayment if you stay in the home 10 years.
Contractor Licensing in Florida
Florida has a state-level contractor licensing system through the Department of Business and Professional Regulation (DBPR). Most aging-in-place modifications require a Residential Contractor (CRC) license, which covers work on one- to three-family homes up to two stories. Building Contractor (CBC) and General Contractor (CGC) licenses also qualify. Specialty trades (plumbing, electrical, HVAC) require separate state licenses. Contractors must carry $300,000 general liability and $50,000 property damage insurance. Workers' compensation is required for contractors with one or more employees. Always verify your contractor's license at myfloridalicense.com.
Find Services by City in Florida
Tampa, FL
14.3% of residents over 65
Miami, FL
16.3% of residents over 65
Orlando, FL
11.2% of residents over 65
Jacksonville, FL
13.5% of residents over 65
Fort Lauderdale, FL
17.1% of residents over 65
Sarasota, FL
36.1% of residents over 65
Clearwater, FL
24.2% of residents over 65
Naples, FL
50% of residents over 65
Ocala, FL
33% of residents over 65
Sebring, FL
30% of residents over 65