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Looking to retire someone where people are far and few in between? In Montana, you’ll definitely get privacy as neighbors can live more than a mile away, and there is a lot of empty land around. This also means less traffic, so getting around is often stress-free. The state is also filled with rodeos, epic views, rivers and creeks, and friendly nature for residents to enjoy.
If you are considering retirement in The Treasure State, you’ll want to familiarize yourself with the state’s senior living costs, facilities, and benefits. To help you with your information search, we have compiled the need-to-know facts about Montana’s senior living options — from independent living facilities to assisted care choices, along with the support systems and amenities that each has to offer. Already have an idea of where you’d like to retire? Feel free to browse through the list of cities below to find the closest senior living options available in a given area of the state.
The quick links below are designed to make your information search on senior living options in Montana easier. You can jump directly to a particular section to find specifics on that topic.
With so many great senior living options to consider in Montana, it can be a challenge to find the perfect living facility for yourself or an aging loved one. Take a look at our list of the top senior living communities in the state below.
Having a housing index of 102.80, Montana is not the cheapest place to retire as it is slightly over the US average when it comes to cost of living. However, it’s also not expensive. The state offers many delights that may make it worthwhile for some seniors to retire here if budget allows. One bedroom apartments in Montana go for an average of $596 a month (versus the US average of $825 a month), while two bedroom apartments are around $754 a month (versus the US average of $1027 a month).
Let’s look at some of the monthly costs of living in Montana for seniors. The average home health care costs are approximately $4,382 a month. For this cost, service aides help seniors to keep their house clean, run everyday errands, and cook meals for them so that they can live comfortably in their own homes.
Adult day care in Montana is roughly $2,582 a month for seniors to stay at a supervised facility during the day to engage in social activities and receive therapy as needed. Keep in mind that adult day care does not include around the clock care, so it’s best for seniors who are mostly independent.
If you are an elder requiring more help with everyday activities, you may find living in an assisted living facility in Montana a good fit. For an average monthly cost of $3,650 a month, seniors receive personal care and health services here.
Seniors requiring round the clock care and supervision will most likely live best in a nursing home in Montana. Skilled nurses and staff are able to properly care for the elders so that relative caregivers don’t have to worry as much about their aging loved ones. The cost for a semi-private room is roughly $7,209 a month, while a private room is about $7,972 a month. Regardless of which type of room is chosen, residents can expect to receive personal care, medication, housing, supervision, skilled nursing care 24/7, and therapies and rehabilitation.
It’s a dream for many baby boomers who crave wide open spaces of the American West to retire in Montana. Some of the popular areas to spend the golden years include White Fish and Helena. There are many more perks to enjoy while living in the Big Sky Country:
Since Montana is so sparsely populated that retirees almost never have to worry about traffic. Seniors can enjoy endless miles of beautiful drives through deep forests and open vistas. Take in views without a single human building in sight that can be enjoyed almost anywhere, along with lakes and rivers flowing with fresh water like nowhere else. Also, if you’re one to enjoy hikes and spending time outdoors, then you will be relieved to find that nature doesn’t bite often. Of the 10 indigenous snakes in Montana, only one — the prairie rattlesnake — is venomous.
Montana has a couple of the biggest, and most memorable national parks in the country. Everyone knows of Yellowstone, with its iconic mountains, waterfalls, and wildlife. A portion of this national park can be seen along the southwestern border of Montana. There is also Glacier National Park, and many other natural wonders that are well preserved. Retirees love exploring the winding roads of these national parks and finding hidden gems.
With all of the small ‘frontier’ towns scattered around the state, neighbors have learned to always help each other out. So while retirees may be a mile or more away from their closest neighbor, everyone knows to check in on each other periodically to make sure everything is alright, and if help is needed then it’ll be given without hesitation.
The living options for Montana’s seniors are plentiful. Retirees can choose between independent living, assisted living, memory care, or nursing home care depending on individual needs. Determine which one best suits your lifestyle by learning more about each option below.
Montana has more than 68 independent living facilities to serve seniors in the state who are healthy, active, and don’t require round the close nursing care. The average costs of staying at one of these can range anywhere from $825 to $3,222 a month. Elderly also have the option to live at a senior apartment community designated for individuals 55+ or 65+. Active senior communities typically include useful amenities like fitness centers, walking trails, clubhouse, meeting rooms, and more for residents to enjoy.
More than 140 assisted living facilities are available throughout Montana to provide seniors with attentive caregivers, healthcare, and access to local activities and social opportunities. Relatives of loved ones can be assured that their aging loved one will receive help with housekeeping duties, laundry, transportation, meal services, and 24-hour safety surveillance.
The average cost of assisted living facilities in the state range from $1,500 to $5,859 a month depending on a variety of factors like location. If you’re looking to stretch your dollar, then you may want to consider looking at facilities in the Billings area. The higher assisted living costs in the state are found in the Missoula metropolitan area.
Memory care facilities in Montana average $57,420 a year with a low cost per month of $2,175 per month, up to $8,495 a month. Missoula has the largest concentration of the highest cost memory care facilities, reaching up to $9,900 a month, while Billings and its surrounding areas have the lowest cost facilities as low as $1,650 a month. Memory care facilities are the top choice for families needing to find a senior living arrangement for their loved one with dementia or Alzheimer’s. They have skilled staff who are experienced with assisting seniors who are losing their memories of how to do day to day tasks, to where they are or even who they are.
Montana is one of the largest states, and one of the sparest. While a small state like New Jersey may have nearly 1,000 senior living providers, Montana only has 237 amongst its spread out, small towns.
Of those 237 senior living providers, 25 are dedicated adult daycare centers. They cost an average of $21,320 per year, with the highest rates located in Missoula metro area at $24,960 a year. The Great Falls area has the lowest rates in the state for adult daycare centers, with an average of $17,638 per year.
Terminally ill patients will be able to choose from 38 hospices in Montana. They can be funded with Medicare, Medicaid, or private insurances. Hospices usually have a rule that the patient must be within six months of dying due to their terminal illness, however this rule can be extended. Hospices are excellent at reducing the pain associated with a terminal illness, and also offer grief counseling and chaplain services.
It can be especially difficult for a spouse or son/daughter to care for their elderly loved one in Montana, due to how remote each town is. Respite care can take in a senior temporarily to give relief to the primary caregiver, or in some cases send a professional caregiver to come to the home of the senior at regular intervals. Such a service is best for primary caregivers who must tend to their own family or regular job, and are unable to give the care their senior loved one needs. There are 79 respite care facilities in Montana at an average cost of $73,365 a year, with a range of $7,395 up to $13,050 a month.
Montana Official State Website: Senior and Long Term Care – On this website, you can find extensive information about senior and long term care. Need help managing your money or determining which living option is best for you? Learn more here!
Montana State University – This article published by Montana State University News Service goes into detail about why seniors should apply for homeowner/renter tax credit. Find out if you qualify for it here.
Retire in Montana – If you are thinking about retiring in Montana, then you can get an idea for some of the best towns in the state, as well as natural attractions that you may enjoy here, among other things.
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