Live-In Caregivers in Navarre, FL: 24-Hour Home Care

Local figures

Live-In Caregivers in Navarre, FL: the local picture

467

residents 85 or older (1.2% of all residents)

2,546

households headed by someone 65+ own their home (89%)

88%

of Navarre homes have 3 or more bedrooms (83% in Santa Rosa County)

$15.00

Florida minimum wage per hour

About 467 Navarre residents are 85 or older. Live-in care is most often arranged for this age group, when help is needed through the day and someone should be close at night.

A live-in caregiver needs a private room. 88% of homes in Navarre have three or more bedrooms (83% in Santa Rosa County); the median home has 6.2 rooms.

Of Navarre households headed by someone 65 or older, 2,546 own their home and 329 rent; among householders 85 and older it is 114 owners and 147 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Navarre compared with Santa Rosa County and Florida

Census figure	Navarre	Santa Rosa County	Florida
Residents 85 or older	1.2%	1.5%	2.6%
Residents 65+ in households who live alone	16%	21%	25%
Residents 65+ with a disability	31%	35%	31%
Residents 65+ below the poverty line (approx.)	9.3%	7.4%	12%
Residents 65 or older	14%	17%	21%
Residents 5+ who speak a language other than English at home	6.7%	6.5%	31%
Median income, households headed by someone 65+	$58,191	$68,515	—

Older residents in towns around Navarre

Town	Distance	Residents 65+	Residents 85+
Woodlawn Beach, FL	6.7 mi	837	0
Midway, FL	7.2 mi	3,578	556
Tiger Point, FL	10 mi	835	148
Hurlburt Field, FL	10 mi	0	0
Mary Esther, FL	14 mi	875	153
East Milton, FL	15 mi	1,730	115

Emergency hospitals near Navarre

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
HCA Florida Fort Walton-Destin Hospital	Fort Walton Beach, FL	16 mi	3 of 5	(850) 862-1111
Gulf Breeze Hospital	Gulf Breeze, FL	17 mi	4 of 5	(850) 934-2000
Sacred Heart Hospital	Pensacola, FL	18 mi	4 of 5	(850) 416-7000

Straight-line miles from the center of Navarre. Medicare (CMS) data, October 2026; call ahead to confirm. We are not affiliated with these providers.

What it covers

What a live-in caregiver can help with

Help across the day: meals, housekeeping, personal care
Someone in the home overnight if help is needed
Medication reminders and appointment rides
Companionship and a steady routine

Cost

What live-in care costs in Navarre

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (73% of the $4,849 monthly median income of Navarre households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (244% of the $4,849 monthly median income of Navarre households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

Hiring directly, you agree the rate with the caregiver and usually become the household employer (U.S. Department of Labor rules). Some families qualify for programs that pay for care at home; see How to get paid to take care of a family member in Florida: SMMC LTC and the PDO.

Before you hire

What to know before hiring a live-in caregiver

Put the arrangement in writing: hours on duty, sleep time, days off, the room and pay (federal rules: DOL Fact Sheet 79B).

Questions worth asking: Have you lived in with a client before, and for how long? What days off and sleep time do you need? How do you handle being woken at night? More in our live-in caregivers guide.

CaregiverConnect does not run background checks. Check identity, references and any certification yourself before anyone starts. The Safety Center explains how.

Questions

Live-In Caregivers in Navarre: common questions

Where is the nearest emergency hospital to Navarre?

HCA Florida Fort Walton-Destin Hospital in Fort Walton Beach, about 16 mi in a straight line from the center of Navarre (Medicare hospital file). Its listed phone number is (850) 862-1111. In an emergency, call 911.

How much does live-in care cost in Navarre?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (73% of the $4,849 monthly median income of Navarre households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (244% of the $4,849 monthly median income of Navarre households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

Live-in or 24-hour care in Navarre?

A live-in caregiver sleeps in the home and has protected sleep and break time. 24-hour care uses two or three caregivers in shifts so someone is always awake; in Navarre it costs more than three times as much a month (see the cost section above). Choose shifts if help is needed several times a night.

More near Navarre

More senior care near Navarre

Live-In Caregivers in nearby cities

Other care in Navarre

More for Navarre families

Sources

Census ACS 2020–2024 5-year; CMS provider data (October 25, 2026); U.S. DOL state minimum wages (July 1, 2026); BLS OEWS May 2025 aide wages, which cover employed aides rather than private rates.

Live-In Caregivers in Navarre, FL