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ASSISTED LIVING COSTS

AVERAGE $2,968 PER MONTH IN U.S.

The average cost of an assisted living facility in the U.S. is $2,968 per month, or $35,616 per year, according to the Assisted Living Market Survey 2006. The study produced by MetLife, found that the highest monthly average was Bridgewater, New Jersey at $5,197 while the lowest was North Dakota at $1,742.

Assisted living facilities provide a way for older adults to retain a relatively independent lifestyle in a residential atmosphere with some assistance and support. While the types and sizes of facilities vary, all provide meals in a social setting and are staffed with people who can provide different levels of help with Activities of Daily Living (ADL's) like bathing and dressing. They can range from a small home to a large apartment-style complex.

As the population grows older and medical advances continue, assisted living facilities will become more and more desirable and necessary for older Americans. While many people will have reason to leave their homes, they will not necessarily need the level of care provided by nursing homes, which cost an average of $61,000 per year. Assisted living can bridge those in-between years or simply provide another option for those who require some help with their day-to-day activities. Since most long term care insurance policies cover assisted living facilities, this is another reason for people to explore the need for assisted living.

Here is a breakdown of costs for various regions in the 50 states and the District of Columbia:

LOCALITY AVERAGE COST* LOCALITY AVERAGE COST*
Statewide Total, AK $3,332 Jackson, MS $2,180
Birmingham, AL $2,642 Billings, MT $2,779
Montgomery, AL $2,352 Charlotte, NC $2,696
Little Rock, AR $2,565 Raleigh, NC $3,252
Phoenix, AZ $2,719 Statewide Total, ND $1,742
Tucson, AZ $2,718 Omaha, NE $2,693
Los Angeles, CA $2,426 Manchester, NH $3,620
San Diego, CA $2,066 Bridgewater, NJ $5,197
San Francisco, CA $3,636 Cherry Hill, NJ $3,563
Colorado Springs, CO $2,967 Albuquerque, NM $2,517
Denver, CO $2,814 Las Vegas, NV $2,622
Hartford, CT $3,303 New York, NY $3,371
Stamford, CT $4,802 Rochester, NY $2,891
Washington, DC $4,154 Syracuse, NY $2,559
Wilmington, DE $4,043 Columbus, OH $3,536
Jacksonville, FL $2,567 Cleveland, OH $2,697
Miami, FL $3,060 Cincinnati, OH $2,879
Orlando, FL $2,379 Oklahoma City, OK $2,412
Alpharetta, GA $2,826 Tulsa, OK $2,538
Atlanta, GA $2,985 Eugene, OR $2,991
Statewide Total, HI $3,406 Portland, OR $2,596
Des Moines, IA $2,597 Philadelphia, PA $3,211
Boise, ID $2,807 Pittsburgh, PA $2,582
Chicago, IL $3,1272 Scranton, PA $2,177
Peoria, IL $2,555 Providence, RI $3,143
Des Plaines, IL $4,479 Charleston, SC $2,758
Fort Wayne, IN $2,638 Columbia, SC $1,898
Indianapolis, IN $2,047 Rapid City, SD $2,055
Wichita, KS $2,347 Memphis, TN $2,166
Lexington, KY $2,372 Nashville, TN $2,373
Louisville, KY $2,438 Dallas, TX $2,361
New Orleans, LA $2,418 Fort Worth, TX $2,361
Shreveport, LA $1,907 Houston, TX $2,620
Boston, MA $3,424 Salt Lake City, UT $2,046
Worcester, MA $3,110 Alexandria, VA $3,750
Baltimore, MD $3,136 Arlington, VA $3,345
Silver Spring, MD $3,718 Richmond, VA $2,432
Brunswick, ME $3,144 Burlington, VT $2,341
Detroit, MI $2,398 Seattle, WA $2,762
Grand Rapids, MI $2,254 Spokane, WA $2,389
Minneapolis, MN $2,651 Madison, WI $2,273
Saint Paul, MN $2,651 Milwaukie, WI $2,798
Kansas City, MO $2,0220 Statewide Total, WV $2,276
Saint Louis, MO $2,401 Statewide Total, WY $2,006

*There may be extra charges for ADL assistance beyond the base cost, or for Alzheimer's disease or related conditions.

According to a 2004 National Center for Assisted Living survey, approximately two-thirds of assisted living residents paid for their stay out-of-pocket and about 13.5% paid with Supplementary Security Income (SSI) funds. Medicare does not cover assisted living.

The Assisted Living Market Survey 2004 was conducted by telephone. The states were divided into three groups according to population: under three million, three million to six million and more than 10 million. In the least populated states, one area was surveyed. In the mid-range, two were surveyed and in the most populous states, three were surveyed. Five facilities, or 10% (whatever number was greater), were surveyed in each area selected. All facilities surveyed were state-licensed and free-standing (not part of a larger retirement community or care facility that includes a nursing home or independent living unit).


NOTE: ALL information contained in this site is for illustration purposes only, and by NO means should be considered individual tax or legal advice under any circumstances whatsoever!

Lynn R. Siewert AIMC
Pension Consultant   |   Branch Manager
CA Insurance License #00B00579
2005 E. Evergreen Blvd
Vancouver, WA 98661

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