Best Independent Living Communities 2024

The average monthly rent in an independent living community ranges from around $2,000 to $9,000. It’s typically an all-inclusive rate, so in addition to your rent, the fee covers things like utilities, meals, landscaping and access to amenities.

Prices vary depending on factors such as the community's services and the size of your apartment. On average, independent living for seniors costs about the same across the U.S., though rents in the Northeast can top $16,000. The Southeast region has the lowest average monthly rents.

Comparing independent living costs: Questions to ask

When comparing the cost of different independent living communities, consider the services and amenities you get in addition and the upfront and monthly fees you pay. Use this list of questions to better understand what your fees cover:

1. What is the monthly rent for different floorplans?
2. How often does rent and other fees increase? How much is the typical increase? 
3. What services and amenities are included in the fees? 
4. What amenities have additional fees?
5. How many meals a day are included with the rent?
6. Does transportation to medical appointments, shopping and other locations cost more? 
7. Will the facility accept your long-term care insurance policy?

How to pay for independent living

Most people use their retirement investments, income from the sale of their home, annuities and pension benefits to cover the cost of independent retirement living. While paying for a senior community may appear costly, keep in mind any amenities that are included along with your rent, such as food, utilities and activities.

Medicare and Medicaid do not typically pay for independent living as these are government-sponsored medical insurance programs. However, Medicaid can pay for services such as housekeeping assistance or personal care for low-income and other eligible people. For veterans with a service-related disability, government benefits may contribute to some of the costs of residing in a community.

Long-term care insurance doesn't cover rent at an independent living community, but it can pay for some of the services. For instance, your policy may pay for meal preparation and housekeeping. Not all facilities accept long-term care insurance, however. Check your policy and talk with the facilities you are considering to understand your coverage before you move in.