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Despite the fact that Virginia’s cost of living is higher than the national average, it’s still a popular destination for retirees. It is filled with thriving cities, rural towns, and interesting history & culture for the elderly to appreciate. The state offers the perfect blend between mountain and ocean life, and has relatively mild temperatures compared to the north. Warm summers allow people to see the outdoors, go hiking, golfing, kayaking, and much more.
There is a lot to learn about The Old Dominion State’s senior living costs, facilities, and benefits. Here, you’ll find out more about Virginia’s senior living options, along with the amenities and support systems that each has to offer here. Already know where in the state you might want to retire? Feel free to browse the list of cities below to see what senior living options are available to you.
The links below are designed to help make your information search on Virginia’s senior living options more efficient. With that in mind, feel free to navigate directly to any section to find specifics on that topic.
With so many options to consider in Virginia, it can be difficult to settle on a living facility to spend the golden years. Narrow down your choices by reviewing our list of the top senior living communities in the state below.
The Old Dominion State has a housing index of 107, which means that it is more expensive than the national average when it comes to cost of living. For reference, a one bedroom apartment in Virginia goes for roughly $990 a month, while the national average is $825 a month for a similar apartment. Two bedrooms go for $1,170 a month on average, compared to the average in the US being $1,027 a month.
Before committing to a place in Virginia for retirement, it’s important to become familiar with the state’s monthly living costs for seniors. To start, it costs an average of $3,787 a month to receive home health care, which encompasses help with housekeeping, errands, and meal prep. Home health care is much more affordable than assisted living and nursing home care because seniors are still able to live comfortably in their own homes.
Adult day care in Virginia costs an average of $1,471 a month. This fee would enable seniors to stay at a supervised facility during the day, where they’d actively take part in social activities to stay busy, and utilize therapeutic and health services as needed. Adult day care is not a substitute for assisted living or nursing home care though, because it does not include extensive nursing home care.
Virginia also has assisted living facilities scattered throughout the state to serve elders needing more assistance with completing their everyday tasks. Seniors can be sure to receive the necessary health services they need as well as personal care, for an average monthly cost of $4,508.
Seniors who require round the clock care and supervision are best off at a nursing home in Virginia, especially if they don’t have caregivers to provide for them at home. For a semi-private room, it costs approximately $7,148 a month. Those wanting more privacy can opt for a private room, which goes for an average of $7,908 in this state. While the costs are significantly higher than those of other living options, bear in mind that nursing homes provide the elderly with not only a safe place to stay, but also the personal care, skilled nursing care, medicine, supervision, and therapy they need to live comfortably.
Settling on a place to retire can be a pretty big deal. It’s important to get a better idea of what living in any given area will be like. So, if you are planning to retire in Virginia, here are some of the state’s strong points to keep in mind:
Virginia is perfect for those who love to see and feel the passage of time through the changing seasons. The summers can get hot and humid, and the winters bitterly cold, but some people love to live through those changes as it’s a constant reminder of how all things change and are cyclical. Fall is especially beautiful with the changing colors of the leaves and farm lands harvesting their crops, and spring with all the vibrant flowers blossoming and wildlife awakening from hibernation.
As one of the oldest states in the nation, Virginia has an incredibly rich history as well as breathtaking scenery to see. On the historic side, there is Mount Vernon where the first president resided, Arlington National Cemetery, and Jamestown, a fully recreated settlement from the 1600s. On the natural beauty side, there is the Shenandoah National Park, Skyline Drive, and Luray Caverns.
Virginia comes out as a tax friendly state for retirees. Virginia does not tax social security income at all, and only partially taxes public and private pensions. Withdrawals from retirement accounts are also partially taxed. The marginal state tax rate is a low 5.0%. Retirees will enjoy having a lesser amount of their income going to state taxes, to be used towards fun trips or better senior care arrangements.
Between independent living, assisted living, memory care, and nursing home care, Virginian seniors have plenty of living options to choose from depending on individual needs and circumstances. Learn more about each option below and get a better idea of which one would best suit your lifestyle.
In Virginia, there are more than 260 independent facilities statewide. Older people who can for the most part, take care of themselves are ideal candidates for independent living. It costs anywhere from $637 to $3,674 a month to stay at an independent living facility in the state. Seniors who prefer apartment style living can opt to live in a 55+ or 65+ community. These apartment communities typically offer attractive amenities on top of housing for residents to enjoy. Examples include workout rooms, pools and jacuzzis, walking trails, and many more.
Virginia is home to more than 500 assisted living facilities which provide the elderly with experienced caregivers, healthcare, and access to social activities. Residents of assisted living facilities can expect to get assistance with laundry, meal services, transportation, and housekeeping duties. Also, the facilities are monitored 24/7 to ensure safety. On average, it costs anywhere from $1,159 to $6,681 a month to live in an assisted living facility in The Old Dominion State.
Memory care facilities are designed to specifically aid seniors who are suffering from memory loss ailments. Memory care has professional staff to help ease the stresses caused from forgetting where one is, or how to do a simple task like putting on clothing. The cost of memory care facilities in Virginia cost $69,426 per year on average, with the most expensive care costs found in Charlottesville at $92,565 a year. Virginia Beach and Norfolk areas have the lowest average costs at $64,726 a year.
Virginia has been a state of change ever since the original thirteen colonies. One change that Virginia is seeing lately is that of it’s senior population. The 65+ demographic is currently at a historic high of 14.6% of the state’s population. That figure is expected to increase to over 20% by 2030, a change Virginia shares with many other states.
To help take care of the aging population, Virginia has more than 950 senior living providers. Adult day care makes up more than 20 of those providers, and is a great solution for seniors who are cared for by their family, but their family is not able to care for them day and night. Adult day care centers in Virginia cost $15,860 a year on average. The highest average cost is found in the Staunton and Waynesboro areas, with an average cost of $20,800 a year. Harrisonburg has the lowest cost average at $12,480 per year.
For terminally ill seniors, Virginia has more than 130 hospice facilities. Hospices provide specialized care for seniors with terminal illnesses, with a focus on easing their pain and helping them live their final days with dignity and happiness. Families can also benefit from grief counseling and therapeutic activities with their elderly loved one, like making a hand cast of their hands to have as a remembrance. The costs of hospice care can oftentimes be fully covered by Medicaid, Medicare, and private insurances.
Respite care provides professional care for a temporary amount of time when a senior’s primary familial caregiver needs a break or is busy with other responsibilities. There are more than 380 respite care facilities in Virginia, with an average cost of $77,015 a year. This average is a bit lower than the national average, however Virginia’s cost range is from a low of $5,090 a month up to a very high $17,357 a month.
Office for Aging Services: Division for Community Living – Learn how you can live independently as a senior by taking advantage of the services available to Virginian elders here. This website includes information that aging loved ones, caregivers, and their families can make use of.
Virginia Tax – Older Virginians who are 65+ may be eligible for tax deductions. Learn more about that here, along with other pertinent tax information like disability income, Social Security Act, and more.
Virginia Dept for Aging & Rehabilitative Services – Virginia prioritizes its efforts to secure integration, independence, and inclusion of all its senior citizens. Learn about the different services they offer to seniors here.
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