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The 10 Best Assisted Living Facilities in Cambridge, MA for 2024

Cambridge is a welcoming city with modest crime rates, clean air and high access to health care, making it an attractive retirement destination. Of its 118,000 residents, just over 11% are aged 65 and over. While this is low compared to state and national norms, the city supports a comfortable lifestyle for its older residents through access to community-based services and a city-funded senior center.

Seniors living in Cambridge have several assisted living facilities to consider. These residential facilities are staffed with highly trained staff members who administer personalized care services, provide daily meals, and organize social and recreational activities. Many facilities accommodate pets and feature amenities such as swimming pools, movie theaters and multiple dining venues. On average, assisted living facilities in Cambridge charge an average of $6,819 per month for care. This is higher than state and national norms of $6,500 and $4,500, respectively.

This guide can help readers determine whether assisted living in Cambridge is right for them by giving an overview of some benefits and drawbacks of living here. It also highlights the most common ways seniors pay for residential care.

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Assisted Living Facilities in Cambridge, Massachusetts

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What to Consider About Assisted Living in Cambridge

The Executive Office of Elder Affairs certifies assisted living facilities in Cambridge and the rest of the state. It enforces rules related to residents’ rights, building requirements and the scope of services agencies must provide. It also investigates complaints filed by or on behalf of residents, and it operates a toll-free elder abuse hotline, which individuals reach at (800) 922-2275.

Benefits and Drawbacks of Assisted Living in Cambridge

  • Cambridge supports high access to medical care through two hospitals, including Mount Auburn Hospital and CHA Cambridge Hospital. Both are teaching hospitals that provide a broad range of adult specialties, including cardiovascular care, geriatrics and orthopedics. There are 371 doctors per capita in this city compared to 210 nationally, and health care costs run about 17% below the nationwide average.
  •  The air quality in the Cambridge region is good, supporting the health and comfort of older adults. The American Lung Association gives the city a passing score for annual particle pollution levels and a B for 24-hour particle pollution. High-ozone days are unusual, earning the region an ozone pollution grade of A.
  • Seniors in Massachusetts pay state income taxes on pension income and withdrawals from retirement accounts, and no deductions or exemptions are available to minimize this expense. However, Social Security benefits aren’t taxed at the state level, which may make Cambridge a retirement-friendly option for those who rely primarily on this type of income.
  • Groceries, housing and utilities are somewhat expensive in Cambridge, resulting in a relatively high cost of living. On a 100-point index based on national norms, the city scores 173.7. This is considerably higher than the state score of 127.5. However, opting for assisted living may give seniors greater control over monthly expenses compared to living alone.
  • The frequency of violent and property crimes in Cambridge is consistent with national norms, which may provide peace of mind to those moving to this city for assisted living. On a 100-point crime index, the city scores 21.7 for violent crime and 34.4 for property-related offenses. This is in line with respective national scores of 22.7 and 35.4.

Paying for Assisted Living in Cambridge

In Cambridge, assisted living residents pay $6,819 per month for care, on average.

The Cost of Assisted Living in Nearby Cities

Cambridge is one of the costliest surveyed cities in Massachusetts for assisted living, with monthly rates averaging $6,819. By comparison, the state norm is lower at $6,500, and the national average is $4,500. Monthly residential care costs in Barnstable Town are about $200 higher than in Cambridge. In Worcester, seniors pay an average of $5,685 per month for care, and in Springfield, care costs are about $1,800 less than in Cambridge. In Pittsfield, care costs are significantly lower than in Cambridge, averaging $2,048.

    Cambridge

    $6,819

    Massachusetts

    $6,500

    United States

    $4,500

    Barnstable Town

    $7,000

    Pittsfield

    $2,084

    Springfield

    $5,048

    Worcester

    $5,685

    The Cost of Other Types of Senior Care

    In Cambridge, assisted living residents pay an average of $6,819 per month for care. While this is about half the cost of nursing home care, which starts at $13,155 per month, other senior care options may be more affordable. Seniors who live at home and receive private custodial services pay, on average, $6,292 for in-home care, and specialized home health care costs around $6,244. Adult day health care is cheaper, providing potential monthly savings of $5,200 over the cost of assisted living.

      In-Home Care

      $6,292

      Home Health Care

      $6,244

      Adult Day Health Care

      $1,614

      Assisted Living Facility

      $6,819

      Nursing Home Facility (semiprivate room)

      $13,155

      Note: Data for Cambridge was unavailable, so data for the nearest city, Boston, was used instead.

      Financial Assistance for Assisted Living in Cambridge

      Government assistance is available to help seniors pay for assisted living in Cambridge. If you believe you're eligible, apply for financial assistance from Group Adult Foster Care and from Supplemental Security Income Category G.

      Learn more about these programs, plus who’s eligible, on our Assisted Living in Massachusetts page.

      Financial Assistance in Massachusetts

      More Ways to Pay for Assisted Living

      While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

      • Veterans Benefits
      • Life Insurance Policy
      • Long-Term Care Insurance
      • Reverse Mortgage

      For more information about different ways to finance assisted living, visit our Assisted Living in Massachusetts page.

      Free Assisted Living Resources in Cambridge

      Cambridge and the surrounding area are home to numerous government agencies and non-profit organizations offering help for seniors searching for or currently residing in an assisted living community. These organizations can also provide assistance in a number of other eldercare services such as geriatric care management, elder law advice, estate planning, finding home care and health and wellness programs.

      To see a list of free assisted living resources in Cambridge, please visit our Assisted Living in Massachusetts page.

      Assisted Living Laws and Regulations in Cambridge

      Cambridge Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Massachusetts are required to follow. Visit our Assisted Living in Massachusetts page for more information about these laws.

       

      Assisted Living Laws and Regulations in Massachusetts

      Reviews of Communities Nearby

      Assisted Living

      Reviewer RC#0110

      I am a friend or relative of a current/past resident

      Review of Cadbury Commons

      I chose Cadbury Commons for my friend because of its location, it's clientele, its reputation, and I knew someone who is there, but it's not the least expensive from the ones I looked at. Their...

      Read more

      Assisted Living

      Kate747528

      I visited this facility

      Review of Cadbury Commons

      Cadbury Commons was a lovely place with a very nice atmosphere. It's for intelligent people like my mother who love music and lots of good things. It was very welcoming with very nice amenities...

      Read more

      Assisted Living

      Stuart5

      I am/was a resident of this facility

      Review of Cadbury Commons

      We’re in Cadbury Commons. They offer mixed independent and assisted-living because my wife needs assisted living. The staff is wonderful; they are very friendly, very courteous, and competent, and...

      Read more

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      Caring.com

      Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

       

      The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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