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If you’re looking for an affordable place to retire, Indiana would be a great state to consider. Ultimately, the perks of living in here come down to the fact that the cost of living is lower than the national average. Not only are housing costs lower, groceries are also cheaper in this state. Seniors who enjoy changing seasons will love that Indiana boasts snowy winters and delightful summers ideal for picnics and spending time outdoors.
You may be wondering about Indiana’s senior living costs, facilities, and benefits. To make your search easier, we have compiled the essential things-to-know about Indiana’s senior living options, from independent living facilities to assisted care choices. Discover a wealth of information about the various kinds of support systems and amenities that each has to offer here. If you’re looking to find some senior living options in a particular city in the state, you can navigate through the list of cities below.
The links below are designed to make your information search on senior living options in Indiana more efficient. Feel free to navigate through and jump directly to a specific section to find specifics on that topic.
Finding the best living facility to spend your golden years in can get overwhelming. But rest assured, there are plenty of affordable and livable options to choose from in Indiana. Below, you’ll find a handy list of the best senior living communities in the state.
Indiana boasts a housing index of 85.30, making it one of the more affordable states to retire in the country. On average, a one bedroom apartment here runs for around $603 a month (U.S. average is $825 a month). You can find a two bedroom apartment for an average of $764 a month (US average is $1,027 a month).
The monthly costs of living in Indiana are relatively affordable compared to the national average. Home health care costs go for approximately $3,813 a month, and this allows seniors to live in their own homes while service aides help them with daily tasks like housekeeping, prepping meals, and running errands.
Adult day care for seniors in Indiana average out to $1,842 a month. This cost allows one to stay at a supervised facility during the day and take advantage of social activities and therapeutic and health services. Those who opt for day care should be relatively healthy as it doesn’t include 24/7 nursing care.
Are you a senior needing more assistance with everyday tasks? If yes, an assisted living facility in Indiana may be a better option for you. It is more costly than home health care and adult day care, but it also provides seniors with personal care and health services. The average monthly cost for assisted living in Indiana is roughly $4,025 a month.
Nursing homes are also located throughout the state for those who need 24/7 supervision and care. It is the most expensive form of living, but also provides the most amenities and help for the elderly. The cost for a semi-private room is roughly $6,692 a month, while a private room is about $7,817 a month. For these estimated costs, residents can expect to receive personal and skilled nursing care, medication, housing, supervision, and more.
The main perk to retiring in Indiana is that housing is extremely affordable, with a median home cost of $115,000 ($51,100 less than the national average)! However, there are also a few other things to appreciate about the state as well.
In the winter, you can make a snowman in your big yard with your grandkids. In the summer, you can have delightful picnics in your own backyard. Indiana is filled grassy parks and with homes with sizable backyards, so you can easily have a good time with family and friends. Unlike some states where you can essentially wear shorts and a tee year-round, you definitely get to switch up your wardrobe every season in Indiana.
Indiana may be in the middle of the country, but it still has a decent sized coastline similar to a coastal state, thanks to Lake Michigan. Retirees can stroll the beaches or go boating and fishing on the calm waters. The Indianapolis Motor Speedway attracts the biggest races and car shows in the country for car enthusiasts. There are also a bevy of casinos in the state to enjoy, with slot machines and card games.
Compared to the national average, Indiana is moderately tax-friendly for seniors. Social Security is exempt from the state income tax in this state, but other forms of retirement income are not. The sales tax rate is 7% and the state’s average property tax rate is 9.88%. Senior citizens and homeowners in Indiana can claim a tax deduction if their home is their primary residence.
The price of groceries has gone up over the years in most states. For example, a gallon of milk could come out to $6 or more. This is double what you’d find in Indiana. The grocery index in this state is 92.5 (compared to national average index of 100), making Indiana one of the states offering the cheapest groceries.
Senior residents in Indiana have several options to choose from when it comes to retirement: independent living, assisted living, memory care, or nursing home care. Each type of facility/care is different, so it’ll benefit you to explore each option below to determine which is best for your lifestyle.
Indiana is home to more than 300 independent living facilities. Independent living is ideal for older people who are healthy and active, and don’t require 24/7 nursing care. Seniors wishing to live amongst other people in the same age range will prefer to live in a 55+ or 65+ senior apartment community. Typically, these communities offer great amenities like fitness centers, walking trails, pools and jacuzzis, and more for residents to enjoy. The average costs of independent living in this state range from $602 to $4,521 a month.
Assisted living facilities are available throughout Indiana to provide seniors with attentive caregivers, healthcare, access to local activities, and other social opportunities. At these facilities, residents can expect to get assistance with daily tasks like housekeeping duties, laundry, transportation, meal services, and 24-hour safety surveillance.
The average cost of assisted living facilities in Indiana range from $1,095 to $8,220 a month depending on a variety of factors like location. The more expensive assisted living facilities are located in the Lafayette-West Lafayette metropolitan area, while the more affordable ones are found in the Kokomo area.
Memory care facilities in Indiana have an average cost of $64,793 per year, with a low average of $1,587 per month all the way up to $11,919 per month. The exact needs of the senior, location, and facility programs can greatly affect the final cost. Memory care facilities are for seniors with dementia, Alzheimer’s, and other memory related diseases. Memory care facilities are specially designed to make life as easy and stress-free as possible for seniors with memory loss issues.
With over 1,000 senior living providers in Indiana, retirees will have a wide spectrum of senior living options to choose from for their specific needs.
Starting with adult daycare, seniors will find 158 facilities to pick from. Adult daycare centers in Indiana are helpful through their trained staffs that provide health monitoring, guided group activities, meals, and much more. The average cost of an adult daycare center in Indiana is $18,200 a year, whereas the national average is around $23,400.
Hospices fare quite well in Indiana. They also boast great staffs and facility amenities. There are more than 90 hospices in the state, making the final stages of a senior’s life filled with acceptance, forgiveness, and love. Families of terminally ill patients at a hospice will also receive counseling, to learn how to manage grief and handle this difficult time. Some hospices in Indiana even have a Strength of Friends program, where family members and friends of a patient can use a shared site to plan meals, visits, leave messages, and provide blog updates about their loved one in hospice care.
Independent caregivers and families who care for their elderly will often use respite care facilities. Respite care is a place where seniors with health issues that require a lot of supervision can stay at temporarily, while the caregiver can recharge and and prevent themselves from burning out. Respite care facilities have everything a senior would need, from 3 meals a day to group activities and 24/7 monitoring. There are 565 respite care facilities in Indiana, averaging a cost of $72,635 per year. This is well under the national average, which is around $110,000 per year.
Northwest Indiana Community Action – Check out an educational video about Medicare here. Also, find useful information about aging & disability resource centers in Indiana and what you can expect from them as a senior resident.
Indiana Department of Revenue – This resource contains useful tax information for seniors and low-income taxpayers in Indiana.
Indiana Assisted Living Association – Learn more about assisted living communities in the state and find the right one for you here if assisted living is your preferred choice.
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