The True Cost of Aging at Home vs. Senior Living
As families explore the best care options for their loved ones, one of the biggest considerations is cost. Many people assume that staying at home is more affordable than moving into a senior living community. But when you break down the numbers, the opposite is often true.
At Evergreen Senior Living, we know that choosing where to age is about more than finances—it’s about quality of life, safety, and peace of mind. Still, understanding the cost differences can help families make informed decisions.
The Cost of Aging at Home
Aging at home can feel comfortable and familiar, but to provide the right level of care—especially for seniors who need 24/7 support—expenses add up quickly.
Here’s a breakdown of the monthly costs for aging at home with a full-time caregiver (at $15–20/hour):
24/7 Caregiver: $10,800 – $14,400
Food & Groceries: $500 – $800
Mortgage or Rent: $1,000 – $2,000
Utilities & Bills: $300 – $600
Home Maintenance & Repairs: $200 – $400
Activities & Outings: $200 – $500
Exercise / Wellness: $50 – $100
Total per month: $13,050 – $18,900+
And these numbers don’t include unexpected medical expenses, transportation to appointments, or the cost of home modifications like ramps, stair lifts, or walk-in showers.
The Cost of Senior Living
By contrast, a senior living community offers an all-inclusive approach. At Evergreen Senior Living, one monthly fee covers:
24/7 professional care and support
Nutritious meals and snacks
Comfortable housing and utilities
Social activities, outings, and wellness programs
Exercise opportunities with trained PT techs or DPTs
Safe, maintenance-free living environment
Total per month: $4,000-6000
Cost vs. Value
When comparing $13K–$19K at home versus $4K at a senior living community, the difference is clear. Senior living is often 3–5 times more affordable than hiring full-time in-home caregivers—while also offering built-in safety, socialization, and professional healthcare oversight.
At Evergreen Senior Living, we designed our community to feel like home, while removing the stress and unpredictability of aging at home alone.
Why Families Choose Evergreen Senior Living
Peace of Mind: Loved ones receive consistent, compassionate care.
Social Connection: No more isolation—our small, family-style setting encourages meaningful relationships.
Cost Savings: One monthly rate that is predictable and significantly lower than 24/7 in-home care.
Expertise in Care: Owned and operated by physical therapists who understand safety, independence, and mobility needs.
Final Thoughts
Choosing between aging at home and senior living is deeply personal, but when you compare both cost and quality of life, senior living often provides more value and support for less money.
If you’d like to learn more about how Evergreen Senior Living can provide affordable, compassionate care for your loved one, contact us today to schedule a tour
