Cost of Independent Living in 2026
The national median is $3,500/month. Use the calculator to estimate your specific situation, or pick a state for local rates.
Estimate your monthly cost
Based on the national median. Pick a state below for local rates.
Your estimate
$4,489 /month
This is a directional estimate based on median rates in your area and the options you selected. Actual costs vary by provider and can increase over time.
Cost of independent living by state
How families pay for independent living
Most independent living is paid privately by families. Medicare does not cover long-term care in this category (with limited exceptions for short-term skilled nursing). Medicaid covers care in many states through HCBS waivers, though usually not room and board. Veterans and surviving spouses often qualify for the VA Aid & Attendance benefit ($1,500 to $2,500 per month). Long-term care insurance policies vary widely.
Full payment breakdown on the independent living guideFrequently asked questions
How much does independent living cost per month?
The national median for independent living is $3,500/month, based on thousands of providers we track. State-by-state medians vary widely; use the calculator above or pick a state below to see local rates.
Does Medicare pay for independent living?
Medicare does not pay for the room and board cost of independent living. It will cover short-term skilled nursing or therapy after a qualifying hospital stay, but not the ongoing cost of long-term care.
Does Medicaid pay for independent living?
Medicaid coverage for independent living varies by state. Most states have HCBS waivers that cover personal care services, though not usually room and board. Check with providers in your state to see which Medicaid programs they accept.
How can I lower the cost of independent living?
Options include: VA Aid & Attendance for qualifying veterans and surviving spouses ($1,500 to $2,500 per month), long-term care insurance if a policy is in place, choosing a shared or smaller room, and reducing add-on services. Some providers offer discounts for longer-term commitments.