Assisted living offers an ideal balance of independence and support for older adults. But how much does assisted living care actually cost? That’s the question on everyone’s minds.
At Clarendale, community costs are based on a few factors, including location, level of care, and community amenities. Here, we’ll break down what services are typically included, what care might be added on, and how to prepare financially for all of these assisted living costs.
What Is the Average Cost of Assisted Living?
According to the 2023 Genworth Cost of Care Survey, assisted living costs an average of $4,800 per month. However, that figure can fluctuate between $3,200 and $6,500 or more, depending on several factors:
- Location: Urban areas often cost more than rural ones, and states like New York or California are considerably higher than Arkansas or South Dakota.
- Apartment size: Studio apartments generally cost less than one- or two-bedroom units.
- Amenities: Premium features such as restaurant-style dining or on-site salons may increase costs.
- Care level: Residents who need more hands-on support will pay higher monthly rates.
For example, a senior who only needs light help with medications may pay significantly less than someone who needs daily mobility assistance, like getting to and from the dining room or needing help in the bathroom.
What Services Are Included in Assisted Living?
Most assisted living communities like Clarendale provide a comprehensive package of housing, meals, personal assistance, and engaging programs designed to promote wellness and social connection. The goal is to support residents with daily tasks while respecting their independence and dignity.
Activities of Daily Living (ADLs) may include:
- Bathing and personal hygiene support
- Dressing and grooming support
- Assistance with eating
- Toileting support
- Mobility and transferring assistance
Instrumental Activities of Daily Living (IADLs) may include:
- Medication reminders
- Light meal preparation or special dietary needs
- Housekeeping and laundry
- Transportation for errands and appointments
- Help with scheduling medical visits
Alongside these essential supports, our residents enjoy:
- Private, spacious apartments
- Daily meals and snacks
- Life enrichment and wellness programs
- Scheduled transportation
- 24/7 trained staff and emergency response systems
While offerings vary, these services and amenities are typically part of the base monthly rate.
What’s Not Included in the Base Cost?
While many services are included, some offerings may be charged separately. It’s important to request a detailed fee schedule when visiting communities to avoid surprises.
Common add-ons may include:
- Diabetes management and insulin administration
- Physical or occupational therapy (via third-party providers)
- Extra personal care support
- Salon or spa treatments
- Incontinence supplies and care
- Private transportation or medical escort services
- Cable, Wi-Fi, and telephone service upgrades
Some providers offer tiered care plans, while others use a points-based or à la carte model that charges based on specific needs.
How to Pay for Assisted Living
Assisted living costs can feel daunting, but there are several funding options available:
- Private Pay: Many residents use personal resources such as retirement accounts or savings, pensions and investments, or Social Security income.
- Long-Term Care Insurance: Certain long-term care insurance policies cover a portion of assisted living costs. Be sure to review your policy for details.
- Veterans Benefits: Eligible veterans or surviving spouses may qualify for the VA’s Aid & Attendance program, which helps offset the cost of care.
- Home Sale or Reverse Mortgage: Selling a home or leveraging home equity can provide funds for assisted living expenses.
- Medicaid (in select states): While Medicaid doesn’t always cover assisted living, some states offer waiver programs that help pay for personal care in licensed facilities. Eligibility varies by state.
Is Assisted Living the Right Choice?
Assisted living may be the right fit if someone:
- Needs help with personal care tasks like bathing or dressing
- Feels isolated or unsafe living at home
- Finds it difficult to manage meals, chores, or medications
- Wants to enjoy a vibrant, social community with peace of mind that comes with care support
This lifestyle bridges the gap between total independence and full-time nursing care, offering flexible support that adapts to changing needs.
Discover Life at Clarendale
If you’re beginning to explore assisted living options, Clarendale Senior Living communities offer exceptional care and a welcoming environment designed to feel like home. With a strong focus on personalized service, hospitality, and wellbeing, we help residents live life on their terms—supported, connected, and engaged every day.
Understanding the costs and services of assisted living is the first step toward making an informed decision for the future. To learn more, contact us to schedule your visit or talk to our team at a community near you.