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Senior Housing & Assisted Living in Tennessee

Tennessee is a promising option for a lot of seniors when it comes to retirement, especially for those who enjoy music and history. The state also boasts a low cost of living, which allows many to live comfortably with an extra disposable income. Not only is housing more affordable, the costs of utilities and food are lower as well. To top it off, prescription costs don't carry an additional tax, which is a huge perk for older people who require medications for optimal health.

Before committing to retiring here, it will be helpful to familiarize yourself with Tennessee's senior living costs, facilities, and benefits. To make your information search easier, we have compiled the essentials about The Volunteer State's senior living options, along with the various support systems and amenities that each has to offer here. Have an idea of where in the state you'd like to spend your golden years? Feel free to reference the clickable list of cities below to find the closest senior living options available to you.

The quick links below are designed for you to easily jump directly to any section to find specifics on a topic you'd like to learn more about.

Senior Living Costs in Tennessee ↓
Benefits of Living in Tennessee ↓
Tennessee's Senior Living Options ↓

Best Senior Living Communities in Tennessee

Finding the best living facility to spend the golden years can be tough, especially with so many options to consider in The Volunteer State. Save some time and narrow down your choices by reviewing our list of the best senior living communities in Tennessee below.

Beech Tree Manor

type of care

Nursing Care

Town Village Audubon Park

type of care

Independent Living

Elmcroft of Shallowford

type of care

Assisted Living, Memory Care

Elmcroft of Kingsport

type of care

Assisted Living, Memory Care

Martin-Boyd Christian Home

type of care

Assisted Living, Memory Care

Maristone of Providence

type of care

Assisted Living, Memory Care

Elmcroft of Hamilton Place

type of care

Assisted Living, Memory Care

Elmcroft of Halls

type of care

Assisted Living, Memory Care

Dominion Senior Living of Sevierville

type of care

Assisted Living, Memory Care

Southern Oaks Assisted Living

type of care

Assisted Living

Tennessee's Senior Living Costs

The Volunteer State boasts a housing index of 87.60, making it one of the more affordable places to spend the golden years. One bedroom apartments go for an average of $623 a month statewide ($825 a month is the US average), and two bedrooms go for an average of $770 a month ($1,027 a month is the US average).

Curious about what the numbers look like when it comes to the monthly senior living costs in Tennessee? Let's take a look. Firstly, the home health care costs average out to around $3,546 a month. Home health care services enable seniors to live comfortably in their own homes while receiving aid to keep the house clean, complete everyday errands, and prep meals.

Adult day care centers are available in the state for seniors requiring a supervised facility to stay at during the day. It costs around $1,408 a month to stay at an adult day care facility in Tennessee. Bear in mind that since adult day care does not include round the clock care, it's perfect for seniors who are mostly independent but could use some socialization, therapy, and health services as needed.

Tennessee also has a good amount of assisted living facilities for the elderly requiring more assistance with their everyday tasks. For an average monthly cost of $3,595, seniors are able to take advantage of personal care and health services.

Last but not least, seniors who cannot live independently and do not have a caregiver to provide for them will benefit from staying at a nursing home in Tennessee. It costs around $6,110 a month to stay in a semi-private room, and $6,600 a month to stay in a private room. Nursing homes provide residents with personal care, medication, housing, supervision, skilled nursing care 24/7, and therapies and rehabilitation.

Advantages of Retiring in Tennessee

From the rich music culture to the many fun things to do in Tennessee, it's no surprise why so many people want to retire here. Below are three benefits to retiring in the state:

Senior Friendly Extracurricular Activities

There are so many shows to see, nature parks to explore, and history to learn of in Tennessee. Everyone knows of Nashville and all the country and blues music that has come from there. Seniors will have no problem catching a talented musician putting on a show there, and have plenty of great dining options while there. On the nature side, there's the Great Smoky Mountains, Cades Cove, and the enchanting Ruby Falls.

Good Tax Benefits for Seniors

A senior bringing in $40,000 a year would not need to pay any state taxes. This is because Tennessee doesn't tax social security income, public pensions, private pensions, or withdrawals from retirement accounts. The marginal tax rate is 0%. With this in mind, seniors would be able to afford a bit better care or a more accommodating living situation.

Classic Comfort Foods

Seniors fond of comfort food will absolutely love the traditional foods in Tennessee. Tennessee has some of the country's best barbecue, with heavily slathered Memphis ribs and drumsticks. Nashville has a specific, mouthwatering type of fried chicken that everyone raves about. For those with a sweet tooth, there is the classic moon pie, which was actually first invented in Chattanooga. Stack cakes, fried catfish are a couple other favorites. Retirees should know that there are healthy foods too of course, and that tomatoes are the state fruit.

Living Options for Tennessee's Seniors

The living options for Tennessee's seniors are ample. Retirees can choose between independent living, assisted living, memory care, or nursing home care depending on individual needs. Review each option below to determine which one best suits your lifestyle.

Independent Living

There are 200 independent living facilities statewide in Tennessee. Seniors who are healthy, active, and don't require round the clock nursing care will generally prefer this form of living. It costs anywhere from $715 to $3,080 a month to stay at an independent living facility in Tennessee. For those who prefer apartment style living, The Volunteer State also offers plenty of apartment choices for seniors 55+ or 65+ of age. Active senior communities often include attractive amenities for residents to enjoy, such as fitness centers, walking trails, pools and jacuzzis, meeting rooms, and more.

Assisted Living

Tennessee is home to more than 460 assisted living facilities, which operate to provide seniors with caregivers, healthcare, and access to local activities and social opportunities. Staying at an assisted living facility, residents can expect to get assistance with housekeeping duties, laundry, transportation, meal services, and 24-hour staffing to ensure safety. It costs anywhere from $1,300 to $5,600 to stay at an assisted living facility in Tennessee. The Morristown area has the lowest assisted living costs, while the highest assisted living costs in Tennessee are located in the Kingsport – Bristol metropolitan areas.

Memory Care

Memory care facilities in Tennessee cost $60,291 a year on average. The costs can vary greatly depending on location and how far along the senior's dementia has progressed. The cost range is from $1,885 a month up to $8,120 a month. Kingsport and Bristol have the highest average costs at $79,151 a year, while Morristown has the lowest average cost of $59,469 a year. While costly, no other facility cares for seniors with memory loss ailments as well as a memory care facility that have experienced staff and 24/7 monitoring to reduce the frustrations caused by dementia.

Nursing Homes

Tennessee is facing a growth in its senior population congruent with most other states. Also like other states, Tennessee isn't fully prepared for the growing senior population, but has been taking steps to cover the needs of seniors currently residing in the state, which makes up 15.7% of the overall population. Those steps include having an impressive 887 senior living providers in the state.

Of those 887 senior living providers, more than 70 are adult daycare centers. Adult daycare centers help seniors get through each day with peace of mind, knowing they'll have all the assistance they may need with personal grooming, medications, and getting nutritious meals. The average annual cost of adult daycare centers in Tennessee is $14,300. The Jackson metropolitan area has the highest average cost of adult daycare, at a very high $34,320 a year. Morristown is at the opposite side of the costs spectrum, coming in at a very low $11,050 per year.

As for hospices, there are more than 100 operating in Tennessee. Terminally ill seniors are best treated at a hospice, which specialize in easing the pain and suffering typically associated with a terminal illness. Hospices also provide emotional and spiritual support through grief counseling and chaplain services. An on-site physician can assist with any advanced health issues that may arise during a senior's time at a hospice. As far as hospice costs, they can generally be covered by Medicaid, Medicare, and private insurances.

Respite care is best for seniors under the care of a family member. A family member caring for an elderly loved one can get burned out from the high demands of caring for a senior, especially if the senior has complicated health issues. Respite care will be able to provide a professional caregiver for a temporary amount of time, as little as a few hours a day, or an open ended amount of time in a fully equipped care facility. There are 385 respite care facilities in Tennessee, with an average annual cost of $67,525.

Resources for Seniors in Tennessee

Tennessee Commission on Aging & Disability – This resource has useful information relevant to seniors in the state such as affordable housing, long-term care options, and medical insurance information.

Tennessean – Seniors of the state may be eligible for the property tax relief program that Tennessee has in place. Read more about it here and see how you can qualify.

Senior Driver Safety – Safety is key to a comfortable life. Find resources and tips for senior driver safety here.

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