Oakland County, Michigan vs Sarasota County, Florida

Michigan's caregiver services help family and informal caregivers care for an older adult for as long as possible. Through the Area Agencies on Aging, services may include adult day care, counseling, respite care, support groups, and training. Grandparents and older relatives raising children can also get help. Contact your local Area Agency on Aging to see what is available and whether you qualify.

AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B) serves older adults in Oakland County. Services include home-delivered and congregate meals, in-home and personal care, caregiver support, Medicare/Medicaid counseling (MMAP), long-term care options counseling, and help applying for the MI Choice waiver. Older adults age 60 and over, and adults with disabilities, can call 1-800-852-7795 to ask what help is available.

$1,500–$6,000/yr

The Michigan Veterans Trust Fund gives one-time emergency grants to veterans facing a temporary, unexpected financial hardship — most grants go toward rent, mortgage, utility bills, and home repairs. A veteran with at least 180 days of active wartime-era service and an honorable discharge may qualify, and the veteran's spouse may also be eligible. Since December 2021, peacetime-era veterans age 65 and older can apply through the 65+ Peacetime Program — important for seniors who served between wars. Applications go to the MVTF committee in the county where the veteran lives, which decides each case individually. Call 1-800-MICH-VET (800-642-4838) to reach the local committee.

The Home Heating Credit is a refundable Michigan income-tax credit that helps low-income households — including seniors — pay home heating costs. For the 2025 tax year (filed in 2026) the standard-allowance income ceiling is $17,243 for a household claiming 0 or 1 exemption and rises with each additional exemption ($23,271 for 2, $29,329 for 3, $35,385 for 4, $41,443 for 5, $47,471 for 6, plus $6,057 for each exemption over 6). You can claim it even if you do not owe income tax. File Form MI-1040CR-7 by September 30, 2026.

$100–$600/yr

State Emergency Relief (SER) pays heat and electric bills, deposits, and reconnection fees for Michigan households in an energy crisis, using federal LIHEAP funds. The Michigan Energy Assistance Program (MEAP) adds bill-payment help plus support to keep service on. Eligibility is based on household income (at or below the LIHEAP limit, set at 60% of the State Median Income — about $70,225/year for a household of four), with no income copayment for energy services. Crisis applications get a response within 48 hours. Apply through MI Bridges or a local MDHHS office.

$175–$1,200/yr

Oakland Livingston Human Service Agency (OLHSA), the Community Action Agency for Oakland County, helps income-eligible households with electric, natural gas, and deliverable-fuel bills and shutoff protection. Apply for state energy help through MI Bridges, dial 211 for local referrals, or call OLHSA at 248-209-2600.

$200–$1,500/yr

Michigan Medicaid for people who are age 65+, blind, or disabled. The AD-Care pathway gives full Medicaid coverage with net income at or below 100% of the Federal Poverty Level (about $1,325/month for one person, $1,783/month for two, before the $20 income disregard). The countable asset limit is $9,950 for one person and $14,910 for two (effective January 1, 2026). People over the income limit may still qualify through Group 2 ABD with a spend-down (deductible). Apply through MI Bridges or a local MDHHS office.

$4,000–$30,000/yr

MI Health Link combines Medicare and Medicaid into one plan for people who have both, with no copays or deductibles for in-network services and a personal care coordinator. It is available only to people who live in southwest Michigan (Barry, Berrien, Branch, Calhoun, Cass, Kalamazoo, St. Joseph, and Van Buren counties), Macomb County, Wayne County, or any county in the Upper Peninsula. You must be age 21 or older, have full Medicare and full Medicaid, and not be in hospice. Michigan ENROLLS sends a letter explaining how to enroll.

Michigan's State Health Insurance Assistance Program (SHIP), long known as MMAP (the Michigan Medicare/Medicaid Assistance Program), gives free, unbiased Medicare counseling. Trained counselors help compare Medicare plans, enroll in Medicare Savings Programs and Extra Help, sort out bills and Medicare Summary Notices, and file appeals — at no charge, and without selling anything. Call 1-800-803-7174 to reach a local counselor.

Corewell Health East hospitals in Oakland County (including Royal Oak and Troy) offer financial assistance for emergency and medically necessary care. Free care is available for Michigan residents with household income at or below 250% of the federal poverty level, with sliding-scale discounts up to 400%. Ask any financial counselor or call 1-877-687-7309 to apply.

The Home Help program pays for personal care for Medicaid-eligible adults who need hands-on help with daily activities such as bathing, dressing, eating, grooming, mobility, and toileting, so they can stay in their own home. An MDHHS Adult Services worker visits to assess what help is needed. Unlike the MI Choice waiver, Home Help has no waiting list — if you are Medicaid-eligible and meet the functional need, services are provided. Apply through your local MDHHS office.

$3,000–$20,000/yr

In-home services for veterans using a self-directed model: the veteran has a say in who provides the care and how it is delivered. Standard supports can include a care assessment, ongoing case management, help with personal care and homemaking, a personal emergency response system, transportation, and fiscal-intermediary services that handle paying the workers. AgeWays receives referrals from the Detroit and Ann Arbor VA Medical Centers; veterans interested in VDC should ask their VA care team for a referral. AgeWays: (800) 852-7795.

MI Choice is Michigan's Medicaid home and community-based services (HCBS) waiver. It pays for supports such as personal care, supports coordination, home modifications, and respite so older or disabled adults who would otherwise need nursing-home care can stay in their own home. Applicants must need a nursing-facility level of care and have gross income at or below 300% of the SSI Federal Benefit Rate (about $2,982/month in 2026). The countable asset limit is $9,950 for one person, $14,910 for two. Contact the MI Choice Waiver Agency for your region to apply; a waitlist may apply.

$10,000–$60,000/yr

PACE provides all the medical and supportive care a frail older adult needs to keep living in the community instead of a nursing home — doctors, prescriptions, therapy, adult day care, transportation, and in-home help — coordinated by one team and usually at no cost to people with Medicaid. To join you must be 55 or older, need a nursing-home level of care, be able to live safely in the community, and live in a PACE organization's service area. Michigan has PACE centers across the state.

$10,000–$80,000/yr

Michigan operates three state veteran homes — in Grand Rapids, Chesterfield Township, and Marquette (D.J. Jacobetti) — providing skilled nursing care and short-term rehabilitation for veterans. A veteran eligible for VA health care or VA financial assistance for long-term care may be admitted with an honorable discharge. Subject to space, a spouse, surviving spouse, or Gold Star parent of an eligible veteran may also be admitted. Costs depend on VA benefits, insurance, and a financial assessment; VA per-diem support keeps rates below typical private nursing homes. Apply directly to the chosen home with the discharge paperwork.

Medicare Savings Programs help people with Medicare pay their Part B premium, and (for the QMB level) also deductibles, coinsurance, and copays. Michigan has three levels — QMB, SLMB, and ALMB/QI — with rising income limits. In 2026 the highest level (QI) reaches about $1,816/month for one person and $2,455/month for a couple; the asset limit is $9,950 for one person and $14,910 for a couple. Apply through MI Bridges or a local MDHHS office.

$2,100–$8,000/yr

Senior Project FRESH / Market FRESH gives Michigan residents age 60 or older $25 in benefits to spend on fresh fruits, vegetables, and honey at participating farmers' markets and roadside stands, plus free nutrition education. Income must be at or below $28,952.50/year for one person or $39,127.50 for a couple. Members of a Michigan federally recognized tribe qualify at age 55+. The 2026 season runs May 1 through October 31; benefits are used in the county where you live.

$25/yr

Michigan resident veterans who are 100% permanently and totally disabled from military service — or rated individually unemployable by the VA — receive DNR hunting and fishing licenses at no cost. The benefit covers all regular (non-lottery) hunting and fishing licenses, so an all-species fishing license or a deer license costs nothing. Carry VA documentation of the qualifying status when buying licenses and while hunting or fishing. Licenses renew each license year with the same proof.

Accredited veteran service officers across Michigan help veterans, spouses, and survivors file and appeal VA claims — disability compensation, pension, Aid and Attendance, and survivor benefits — at no cost. Getting the VA rating right matters twice in Michigan: the rating drives federal compensation AND unlocks state benefits like the full property-tax exemption and free hunting and fishing licenses. The Michigan Veteran Resource Service Center connects callers to a service officer and can help track down discharge documents. All services are free and confidential — no one needs to pay a private company to file a VA claim. Call 1-800-MICH-VET (800-642-4838), weekdays 8 a.m. to 5 p.m.

Michigan fully exempts the homestead of a qualifying disabled veteran from property taxes — the entire tax bill on the home goes away. The veteran must be permanently and totally disabled from military service and entitled to VA benefits at the 100% rate, rated individually unemployable by the VA, or have received VA assistance for specially adapted housing. An unremarried surviving spouse keeps the exemption, even on a new home bought after the veteran's death. File Form 5107 with the local city or township assessor along with VA paperwork showing the qualifying status. Since the 2025 tax year, an approved exemption stays in place without refiling each year unless it is rescinded. For a home bought during the year, send the closing documents with Form 5107 — without them, the first year's exemption is prorated by the days the home was owned and lived in.

$2,000–$5,200/yr

The Homestead Property Tax Credit refunds part of the property tax (or rent) Michigan homeowners and renters pay, with more generous treatment for seniors age 65+. For the 2025 tax year (filed in 2026) you may claim it if your total household resources are $71,500 or less and your home's taxable value is $165,400 or less. The maximum credit is $1,900. Seniors recover a higher share of their property tax — up to 100% for the lowest-income seniors. File Form MI-1040CR.

$100–$1,900/yr

SMART runs fixed-route buses and the curb-to-curb SMART Connector across suburban Oakland County. Riders age 65 and over, people with disabilities, and Medicare card holders qualify for reduced fares with a SMART Reduced Fare ID. Apply for the ID and plan a trip by calling SMART at 1-866-962-5515.

$200–$1,200/yr

Florida's Low-Income Home Energy Assistance Program (LIHEAP) helps income-eligible households pay home heating and cooling bills, with crisis help when a shutoff is imminent or service is already off. The program is funded federally and run statewide by FloridaCommerce, but you apply through your county's local provider — usually a Community Action Agency, council on aging, or local government office. Households qualify with income at or below 150% of the federal poverty guidelines (or 60% of the state median income); priority goes to households with a member 60 or older, a person with a disability, or a young child. Payments usually go straight to the utility company.

$350–$1,000/yr

The Low-Income Home Energy Assistance Program (LIHEAP) helps income-eligible Sarasota County households pay home heating and cooling bills, with crisis help when a shutoff is imminent or service is already off. In Sarasota County it is delivered by a local LIHEAP provider (find via the Florida state LIHEAP locator). Households qualify with income at or below 150% of the federal poverty guidelines (or 60% of the state median income); priority goes to households with a member 60 or older, a person with a disability, or a young child. Payments usually go straight to the utility company. In Sarasota County the LIHEAP provider is The Salvation Army — call 941-954-4673, 941-364-8845, or 941-484-6227.

$350–$1,000/yr

Sarasota County's Health and Human Services Department coordinates the county's safety-net programs for low-income residents in crisis. The Department's Human Services division administers state-mandated indigent care funding (under §409.211 Fla. Stat. and related statutes) and provides intake and referral for residents needing emergency help with rent, mortgage, utilities, or basic needs. The county ran the federal Emergency Rental Assistance Program (ERAP) during the COVID years, but that program has ended and the county no longer lists it. Sarasota County also coordinates with the Office of Housing and Community Development for longer-term housing programs and with the Sarasota Memorial Hospital District for indigent medical care. To start an intake, call Sarasota County at (941) 861-5000 (general number) or 311, or visit the Health and Human Services page at scgov.net for the current intake portal.

$500–$6,000/yr

Florida Medicaid for the Aged, Blind, and Disabled — commonly called MEDS-AD — is the state's comprehensive Medicaid coverage for low-income seniors 65 and older (and people who are blind or disabled at any age). It covers doctor visits, hospital care, prescription drugs, lab work, durable medical equipment, and community-based long-term care, and it works alongside Medicare to pay for what Medicare doesn't. Florida is a 1634 state, which means anyone who qualifies for federal SSI is automatically enrolled in Medicaid — no separate application is needed. Seniors who aren't on SSI can still qualify through the MEDS-AD pathway, which uses more generous income limits set at 88% of the federal poverty level (about $1,182/month for an individual or $1,596/month for a couple) with countable assets at or below $5,000 individual / $6,000 couple. Countable assets exclude the primary home and one vehicle. Seniors whose income is above the MEDS-AD limit may still qualify through Florida's Medically Needy 'share of cost' pathway, which lets you use unpaid medical expenses to reduce countable income below the standard each month.

$4,000–$12,000/yr

Sarasota Memorial Hospital is run by the Sarasota County Public Hospital District — one of the very few remaining genuinely public hospital districts in Florida (most peer counties privatized theirs decades ago). The District is funded by countywide property tax and governed by a publicly elected hospital board, which makes its charity-care obligation a real public-mission obligation, not just an IRS §501(r) compliance exercise. SMH's Patient Assistance Programs offer three layered options. Traditional Charity Care is granted to patients who meet the strict income criteria set by the State of Florida (typically tied to federal poverty guidelines) — qualifying patients receive a 100 percent discount. Community Support is the District's broader local-mission layer: patients who don't strictly qualify for Traditional Charity Care but show economic hardship may still receive assistance funded by the District's tax base. The Sliding Scale Program offers significantly reduced rates to lower-income uninsured patients. SMH also operates a Community Specialty Clinic that provides FREE specialty care to uninsured and underinsured residents who meet eligibility criteria — a service most peer Florida hospitals don't offer. Applications must include income documentation (typically the last 4 paychecks prior to the date of service) and must be returned within 7-10 days of discharge. Apply at the Financial Assistance desk during your visit or call (941) 917-8755.

$500–$40,000/yr

Florida's Alzheimer's Disease Initiative is the state's dedicated program for adults living with Alzheimer's disease or related dementias (ADRD) and the family members who care for them. It pays for the kinds of services that keep a person with memory loss safely at home and that give caregivers a break: in-home respite, model adult day care designed for dementia, emergency respite when a caregiver is hospitalized, and extended respite of up to about 30 days. ADI also funds case management, specialized medical equipment and supplies, caregiver counseling and support groups, and caregiver training. Connected to the program is the state-funded network of 17 Memory Disorder Clinics across 13 service areas, which provide diagnostic evaluation, research participation, and follow-up care for people with suspected or confirmed ADRD. Eligibility is built around a probable ADRD diagnosis with cognitive impairment that affects daily living — not a strict income test — but a sliding-fee co-pay applies above a base income threshold, and most regions operate a waitlist managed by the local Area Agency on Aging. To apply, contact the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$2,400–$18,000/yr

Community Care for the Elderly is Florida's broadest state-funded in-home services program for functionally impaired seniors aged 60 and older who want to stay in their own home instead of moving to a facility. CCE is not Medicaid — it is funded by the state through the Florida Department of Elder Affairs, which contracts with 11 Area Agencies on Aging and local Lead Agencies to deliver a wide menu of services. Eligible clients may receive case management, adult day care, adult day health care, personal care, homemaker and chore services, home-delivered meals, home health aide and home nursing, respite for family caregivers, emergency alert response systems, escort and shopping assistance, transportation, emergency home repair, consumable medical supplies, counseling, and other community-based supports. There is no rigid income or asset test, but most counties operate a waitlist and apply a sliding-fee co-payment scale once a participant's income rises above a base threshold — at or below roughly 150% of the Federal Poverty Level the participant typically pays nothing, and the co-pay rises in steps for higher-income participants. Priority for services goes to seniors referred by Adult Protective Services as victims of abuse, neglect, or exploitation, followed by those with the greatest functional impairment. Apply through the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$2,000–$15,000/yr

Home Care for the Elderly is a state-funded program that helps frail Florida seniors aged 60 and older stay in a private home with a non-spouse adult caregiver instead of moving to a nursing facility. Each enrolled participant receives a basic monthly subsidy of $160 paid to the caregiver to help offset the cost of food, household supplies, and personal care. The program can also authorize 'special subsidies' for specific needs — incontinence supplies, medications, medical and assistive devices, ramps and home accessibility modifications, nutritional supplements, home health aide visits, home nursing, and respite. To qualify, you must be at risk of nursing-home placement, have monthly income at or below the Institutional Care Program (ICP) standard (300% of the SSI federal benefit rate — about $2,901 a month for 2026), have countable assets at or below $2,000 ($3,000 for a couple), and live with an adult caregiver other than a spouse who is willing and able to provide or arrange care. HCE is administered statewide by the Florida Department of Elder Affairs through 11 regional Area Agencies on Aging, which contract with local Lead Agencies to manage cases and authorize subsidies. Apply through the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$1,920–$6,000/yr

PACE is a comprehensive, integrated care program for seniors who are certified as needing a nursing-home level of care but want to keep living in the community. A single PACE organization becomes the participant's complete medical home — primary care, specialists, hospital care, prescriptions, physical and occupational therapy, dental, vision, hearing, mental health, transportation to appointments, meals, and adult day care at a PACE center. For seniors who have both Medicare and Florida Medicaid, PACE replaces those benefits as one program with no out-of-pocket cost. PACE in Florida is operated by nonprofit organizations in designated service areas across the state; participants must be 55 or older, live within a PACE organization's service area, be able to live safely in the community at enrollment, and agree to use only PACE-network providers.

$30,000–$80,000/yr

Optional State Supplementation is a monthly cash payment from the State of Florida that supplements an SSI-eligible senior's income so they can afford the cost of an Assisted Living Facility (ALF), Adult Family Care Home (AFCH), or Mental Health Residential Treatment Facility. OSS is for low-income seniors and disabled adults who need help with the activities of daily living but who do not require nursing-home-level care. The state pays the difference between the resident's countable income and a published 'provider rate plus personal needs allowance' total — for an individual in an ALF the monthly income eligibility standard is $1,045.40 and the base provider rate is $991.40, plus a $160 monthly Personal Needs Allowance the resident keeps for incidentals (Florida Administrative Code 65A-2.036, effective June 24, 2025). To qualify, you must meet SSI's categorical eligibility (age 65+, blind, or disabled with countable income and resources below the SSI limits), be assessed as needing the level of care the facility provides, and reside in a state-licensed facility that accepts OSS payments. Eligibility is determined by DCF; payments are made monthly.

$1,200–$9,600/yr

Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) is Florida's Medicaid program for people who need nursing-home-level care — whether they receive that care in a nursing facility, an assisted living facility, or in their own home. SMMC LTC pays for nursing facility care, assisted living, adult day health care, home health aide and personal care visits, homemaker and respite services, home-delivered meals, adult companion services, home accessibility modifications, medical equipment, and case management — all coordinated by a managed-care plan you choose at enrollment. To qualify, you must be age 65 or older (or 18+ with a disability), be financially eligible under Florida Medicaid's institutional-care income and asset rules (for 2026 that is monthly income at or below $2,901 — 300% of the SSI federal benefit rate — and countable assets at or below $2,000 for an individual, with special spousal-impoverishment protections for married couples), and be determined by DOEA's CARES (Comprehensive Assessment and Review for Long-Term Care Services) program to require nursing-facility level of care. A waitlist is the norm: CARES screens and prioritizes applicants for available enrollment slots through a wait-list release process. Apply through the Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or the DCF ACCESS portal — eligibility is determined by DCF while CARES handles the medical level-of-care determination.

$20,000–$80,000/yr

Florida runs State Veterans' Nursing Homes around the state — including Daytona Beach, Land O' Lakes, Pembroke Pines, Panama City, Port Charlotte, St. Augustine, and Port St. Lucie — plus a veterans' assisted living facility in Lake City. They provide skilled nursing care or assisted living for veterans who need help with daily living, generally at below private-market rates because federal VA per-diem support helps cover the cost. Florida law also makes the spouse or surviving spouse of a veteran eligible, with admission priority behind eligible veterans. Admission requires Florida residency, needing the level of care, and approval by the U.S. Department of Veterans Affairs.

The Area Agency on Aging for Southwest Florida (AAASWFL) is the nonprofit designated by the Florida Department of Elder Affairs as the AAA + ADRC for Planning and Service Area 8 — a seven-county region covering Charlotte, Collier, DeSoto, Glades, Hendry, Lee, and Sarasota. In Sarasota County, the contracted meals provider is Senior Friendship Centers, Inc. (SFC) — a major regional nonprofit that serves nearly 300,000 meals each year to seniors across Sarasota, DeSoto, Charlotte, and Lee counties. Home-delivered meals come once a week as up to 7 frozen meals at a time; congregate dining is also offered at SFC senior center locations. Eligibility is age 60+ and Sarasota County residency. AAASWFL also coordinates the full PSA 8 senior service portfolio — case management, in-home care, caregiver support, Alzheimer's services, SHINE Medicare counseling, and benefits screening — accessible through the AAASWFL Elder Helpline at 1-866-413-5337. For Sarasota meals specifically, call SFC at (941) 584-0048.

$1,800–$12,000/yr

Florida gives free hunting, freshwater fishing, and saltwater fishing licenses to resident veterans who were honorably discharged and have a VA service-connected disability rating of 50% or more. The license is good for 5 years and is reissued on request every 5 years after that. Bring the VA letter showing the rating and proof of Florida residency to a county tax collector's office. Florida residents certified as totally and permanently disabled by the VA, workers' compensation, or Social Security qualify for free licenses under the same law even without the 50% veteran rating.

$40–$50/yr

Florida law directs the Florida Department of Veterans' Affairs to help veterans, their spouses, and their dependents prepare and file claims for VA benefits — disability compensation, pension, Aid and Attendance, survivor benefits — at no charge. FDVA claims examiners work alongside County Veteran Service Officers available in counties across the state. Getting the VA rating right matters twice in Florida: the rating drives federal compensation AND unlocks state benefits like the disabled-veteran property tax exemptions and free licenses. No one needs to pay a private company to file a VA claim.

Florida residents who are active or retired members of the U.S. Armed Forces, the Reserves, the National Guard, or the Coast Guard can buy the Military Gold Sportsman's License for $18.50 a year — the same package that costs other residents $98.50. It bundles the hunting, freshwater fishing, and saltwater fishing licenses along with the deer, wildlife management area, archery, muzzleloading gun, crossbow, turkey, Florida waterfowl, snook, and spiny lobster permits. Show a current military ID at a county tax collector's office, or verify online through Florida's license portal.

$75–$85/yr

Florida gives veterans age 65 and older a discount on the property tax bill for their homestead when they have a permanent, combat-related, service-connected disability and were honorably discharged. The discount percentage equals the VA disability rating — a 70% rating means 70% off the ad valorem taxes on the home. This is one of the largest senior-specific veteran benefits in Florida. If the veteran dies, the discount carries over to a surviving spouse who keeps the home and does not remarry. Apply with the county property appraiser by March 1 using Form DR-501DV, the VA letter showing the percentage and the combat-related finding, proof of honorable discharge, and proof of age.

$150–$3,000/yr

A Florida veteran with a service-connected, total and permanent disability pays NO property tax on the homestead — the home is fully exempt. The veteran must have been honorably discharged, and a letter from the VA certifying total and permanent disability is the proof. This is one of the largest dollar benefits available to Florida veterans. A surviving spouse who holds title, lives in the home, and does not remarry keeps the full exemption, and can transfer a fixed dollar amount to a new home after a sale. Apply once through the county property appraiser.

$2,000–$5,000/yr

Florida exempts $5,000 of a disabled veteran's property value from taxation. It applies to an honorably discharged veteran who is a Florida resident and is disabled 10% or more from wartime service or by misfortune. The VA disability letter showing the rating counts as proof. An unremarried surviving spouse keeps the exemption. Apply once through the county property appraiser by March 1. This exemption stacks on top of the regular homestead exemption, and it is separate from the larger benefits for 100% disabled veterans and for combat-disabled veterans age 65 and older.

$40–$50/yr

Florida's Homestead Exemption reduces the taxable assessed value of an owner-occupied primary residence by up to $50,000. The first $25,000 is exempt from all ad-valorem property taxes (including school taxes). A second $25,000 exemption applies to the assessed value between $50,000 and $75,000 and is exempt from all property taxes except school district levies — so a homeowner whose home is assessed at $75,000 or more receives the full $50,000 reduction (with $25,000 of that not exempt from school taxes). Eligibility hinges on owning and making the home your permanent residence as of January 1 of the tax year. There is no age or income test for the base exemption. Once granted, the exemption automatically continues each year as long as the homeowner continues to occupy the home — re-application is only required if ownership or occupancy changes. The Homestead Exemption is also what unlocks the 'Save Our Homes' 3% annual assessment-increase cap, which protects long-time homeowners from large property-tax jumps when market values rise.

$200–$750/yr

On top of the base Florida Homestead Exemption and the $50,000 Senior Additional Homestead Exemption, Florida gives counties and cities the option to grant a Long-Term Resident Senior Homestead Exemption that can wipe out up to 100 percent of the assessed value of a qualifying low-income senior's home — paying $0 in the local property taxes the exemption applies to. To qualify you must be age 65 or older, hold the base homestead, have lived in the same home as your permanent residence for at least 25 years, have a household adjusted gross income at or below the same CPI-adjusted limit used for the $50,000 senior add-on ($38,686 for tax year 2026), and the home's just (market) value must be less than $250,000. Like the $50,000 senior add-on, this exemption is not automatic statewide — each county and each city has to adopt it by a super-majority ordinance, and adoption rates vary across Florida's 67 counties and 400+ municipalities. The exemption applies only to taxes levied by the adopting jurisdiction and does not apply to school district taxes. Apply by March 1 with your county Property Appraiser using the senior add-on application packet (typically Form DR-501SC plus a sworn statement of household income).

$800–$2,500/yr

Florida lets counties and municipalities grant an additional homestead exemption of up to $50,000 to homeowners age 65 and older with limited household income. This stacks on top of the base $25,000+$25,000 Homestead Exemption — so a qualifying low-income senior can shield up to $100,000 of assessed value from non-school property taxes in a county that adopts the maximum. The exemption applies only to taxes levied by the county or city that has adopted it; it does not apply to school district taxes. For the 2026 tax year, household income (the adjusted gross income of all household members, as defined by IRC §62) must not exceed $38,686 — a figure that the Florida Department of Revenue adjusts each January 1 by the change in the federal cost-of-living index from the statutory $20,000 base set in §196.075, Fla. Stat. Each county and city must adopt the exemption by ordinance, and the amount adopted (up to the $50,000 maximum) varies — many but not all Florida counties have adopted it, often at the full $50,000.

$300–$700/yr

Breeze Plus is Sarasota County's shared-ride paratransit service for residents whose disability prevents them from using fixed-route Breeze Transit buses. Distinctively, Breeze Plus is operated by Via — a private mobility-platform company that provides app-based trip booking on the Breeze Plus app, in addition to the traditional phone-based dispatch. The program supports three eligibility pathways: ADA paratransit (federal), Transportation Disadvantaged (TD, a Florida state-funded pathway for low-income riders without ADA-qualifying disabilities), and Veterans Medical (a Sarasota-specific pathway for medical-appointment trips for veterans). Each one-way trip costs $3. To apply, complete an Eligibility-based Program Application; disabilities must be documented by a qualified medical professional. Approval may be temporary, conditional, or unconditional. Call (941) 861-1018 for eligibility questions and applications; call (941) 777-6000 to schedule trips once approved, or use the Breeze Plus app.

$1,500–$7,500/yr

Breeze Transit is Sarasota County's public bus system. Riders 65 and older and Medicare cardholders pay half fare — $0.75 instead of the regular $1.50 — by showing ID (or a Gold Card, which seniors 65+ and Medicare cardholders can apply for). Riders 80 and older ride FREE on Breeze services. Show your ID or Medicare card to the driver or a ticket outlet agent.

$75–$550/yr