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If you’ve always dreamed of retiring somewhere with both mountains and beaches, and not too far out from New York City, then New Jersey is a great state to consider. The state offers a plethora of open spaces, and the mountains there are popular destinations for people to ski, bike, birdwatch, fish, camp, and more all year round. New Jersey has four distinct seasons, so residents can enjoy the gradual cool down when summer transitions into fall, and some snowfall in the winter.
Before committing to retirement in The Garden State, you may want to familiarize yourself with the senior living costs, facilities, and benefits in New Jersey. Here, you’ll find useful information about the state’s senior living options, from independent living facilities to assisted care choices, along with the various support systems and amenities that each has to offer. Already have an idea of where in the state you’d like to live? Feel free to navigate through the list of cities below to find the closest senior living options available in a particular area.
The quick links below are designed to make your information search more efficient. You can jump directly to a specific section to find in-depth information on that topic.
Finding the best living facility for yourself or an aging loved one can be a daunting task, especially with so many living options to consider in New Jersey. Peruse our list of the best senior living communities in the state below to narrow down your options.
New Jersey has a housing index of 126.60, making it one of the more expensive states to retire in the United States. A big reason for this is likely that it’s central and close to New York City, where lots of people commute to work. In New Jersey, one bedroom apartments go for $1,128 a month on average (US average is $825 a month). Two bedrooms are approximately $1,373 a month ($1,027 a month the US average).
Home health care costs in New Jersey average out to $4,195 a month. This fee allows seniors to live in their own homes while receiving assistance to keep the house clean, run everyday errands, and meal prep.
Seniors who need to stay at a supervised facility during the day can consider an adult day care facility in New Jersey for an average of $1,950 per month. Adult day care facilities are ideal for independent seniors who could use some social activities to keep them busy, and therapeutic and health services.
New Jersey also has plenty of assisted living facilities throughout the state to provide seniors with more assistance with their day to day tasks. Residents receive personal care and health services for an average monthly cost of $5,811. Keep in mind that assisted living is not an alternative to nursing home care, but rather, an intermediate level of long-term care.
Elders who do not have designated caregivers and cannot live at home on their own will benefit from staying at a nursing homes in New Jersey, where they will receive round the clock supervision and care. The cost for a semi-private room is roughly $10,038 a month, while a private room is about $10,798 a month here. Nursing homes provide residents with personal care, medication, housing, supervision, skilled nursing care 24/7, and therapies and rehabilitation.
Moving to the Garden State comes with many advantages, and below are just some reasons why living in New Jersey is so appealing.
If you have family living in New York City or Philadelphia, you’ll be able to easily commute to see loved ones. No matter where you live in New Jersey, major highways are everywhere and easily accessible. Prefer to not drive? Good news — you can conveniently take the bus or train to wherever you need to be, while catching up on reading or emails during rush hour. If you need to travel either domestically or internationally, you’ll be delighted to learn that you won’t have to go far to get to an airport.
Despite its small size, New Jersey is packed with places for seniors to check out. Atlantic City is filled with casinos and luxury hotels, as well as shop filled boardwalks. As for nature, seniors can check out the Delaware Water Gap and the Liberty State Park. Lastly, there are many diverse neighborhoods to visit, offering delicious foods and rich culture from Cuba, Italy, Brazil, and more. You can also find attractions across Jersey’s Bergen and Middlesex counties.
New Jersey recently became the last state in the country where people don’t pump their own gas. Drivers are able to relax in their vehicles while the attendant fills up for them! This may be a small perk, but when it’s extremely cold out in the winter time, or as you get older, it can be nice not having to step out to gas up.
New Jersey’s retirees have a number of living options to choose from depending on individual needs and circumstances: independent living, assisted living, memory care, or nursing home care. Determine which one best suits your lifestyle by exploring each option below.
Independent living is typically the preferred choice of living for seniors who are healthy, active, and don’t require round the clock care. New Jersey has more than 250 independent living facilities and it costs anywhere from $1,104 to $5,115 a month to stay in one. Seniors who prefer apartment style living can choose to live in a 55+ or 65+ senior apartment community. Apartment living comes with some great perks like a variety of amenities such as fitness centers, walking trails, clubhouse, meeting rooms, and more for residents to enjoy.
More than 400 assisted living facilities are available throughout New Jersey to provide seniors with attentive caregivers, healthcare, and access to local activities and social opportunities. Staff members at these facilities help the elderly with housekeeping duties, laundry, transportation, meal services, and offer 24-hour surveillance for safety.
The average cost of assisted living facilities in the state range from $2,008 to $9,300 a month depending on a variety of factors like location. For example, it’s cheaper to stay at an assisted living facility in the Ocean City area, but it’s pricey in the Northern Jersey metropolitan area.
There are 363 memory care facilities in New Jersey, providing ample options and locations for seniors with dementia to choose from. The average cost is $94,482 a year, ranging from $2,911 a month up to $13,485. Northern New Jersey metro areas have the highest costing memory care facilities, reaching up to $137,610 a year. South Jersey and its nearby towns have some of the lowest cost memory care facilities, as low as $97,198 a year.
New Jersey’s senior population has been increasing, and will keep increasing, through the coming years. Seniors 85 and over have seen the greatest growth in recent years, with a 32.1% increase in the past decade. New Jersey has established 778 senior living providers to assist their growing senior population.
Adult daycare centers are a great option for seniors who need assistance with day to day tasks and to socialize with others their age. There are 47 adult daycare centers in the state, with the most expensive ones around the Ocean City metropolitan area. Adult daycare centers in this area have an average cost of $25,740 a year. Trenton generally has the lowest cost adult daycare facilities, averaging $21,255 per year. Overall, adult daycare centers in New Jersey come out to an average cost of $22,360 a year.
Terminally ill seniors will find peace of mind at a hospice care facility. There are 82 hospices in New Jersey to choose from, located along the coastline and further inland. Hospices provide professional care during the final months of a senior’s life, through pain management and grief counseling. Staff will be able to guide seniors and their families on how to cover the costs of hospice care through Medicaid, Medicare, and private insurances.
There are 415 respite care options in New Jersey, providing temporary care either in-home, in a facility, or in a hospital. Respite care is especially helpful when a senior needs more advanced care than what a family member can provide, or when the primary caregiver needs time off to keep from burning out. The average cost of respite care in New Jersey is $109,500 a year, with a range of cost from $6,917 to $17,444 a month.
The State of New Jersey – Here, you’ll find a directory of senior services available in the state, along with tips on staying healthy and additional information on housing options and tax benefits for the elderly in New Jersey.
New Jersey Business – Learn about the “Senior Freeze” on property taxes in the state, when the deadline is, and what the eligibility requirements are here.
New Jersey’s Statewide Benefits for Older Persons [pdf] – This PDF provided by New Jersey’s official website contains useful information relevant to senior living in New Jersey, from taxes and fees, legal service providers, transportation, home assistance, health and medical programs, and more.
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