The 5 Best Assisted Living Facilities in Lincolnton, NC for 2024

 

Located in the Charlotte metropolitan area close to cultural and recreational amenities, Lincolnton is a popular retirement destination for active seniors. The city has just 12,000 residents, creating a small-town environment that quickly feels familiar, and its large senior community, which accounts for 18% of the population, promotes the need for effective long-term care solutions. A comfortable climate appeals to older adults who enjoy outdoor activities, such as gardening and bird-watching, and retiree-friendly tax laws support seniors’ financial stability throughout retirement.  

Lincolnton has several assisted living facilities that accommodate those who need a daily helping hand. These facilities have comfortable private and semiprivate housing, often with apartment-style units, and they feature individualized care plans that promote residents’ safety and comfort while enabling as much independence as possible. Lincolnton is one of the most affordable places in the nation for this type of care, with local assisted living costs coming in at $3,523 per month. This is hundreds of dollars lower than North Carolina’s norm of $4,010 and the national average of $4,500.

This guide provides more information on assisted living in Lincolnton, including a look at how residential care costs compare to alternatives within the city and in nearby communities.

Assisted living facilities in Lincolnton are officially recognized as multiunit assisted housing with services facilities or adult care homes. Multiunit assisted housing with services facilities aren’t licensed, but they are required to register with the North Carolina Division of Health Service Regulation. Adult care homes are licensed through the division and comply with rules related to staffing and service planning.

 

• In North Carolina, most forms of retirement income are taxed at a flat rate of 4.99%. While the state doesn’t have an income tax deduction for seniors, its standard deduction is relatively large at $12,750 for single filers. Additionally, seniors don’t pay state income taxes on their Social Security benefits, which may help some seniors pay for assisted living in Lincolnton.
• Lincolnton residents aged 60 and over can obtain county-sponsored transportation services on weekdays from 6 a.m. to 5 p.m. Through this program, seniors can get to local stores, medical facilities and government offices without relying on a private vehicle or paid services through their assisted living facility. To learn more about this program, individuals can call the main office on weekdays during normal business hours at (704) 736-8492.
• Atrium Health Lincoln is a major hospital located in Lincolnton proper, promoting access to a broad range of medical services and supports for seniors. While there are only about 84 doctors per capita in this city compared to 210 nationally, many assisted living facilities have medical professionals on call to prevent gaps in residents’ care.
• The cost of living in Lincolnton is higher than what’s typical for North Carolina but in line with the national norm, which may benefit those moving to this city from outside the state. On a 100-point index based on living costs nationwide, the city scores 99.7 versus North Carolina’s rating of 91. Despite the high overall cost of living, housing prices are low and may drive down the cost of assisted living.
• Crime is more prevalent in Lincolnton than in a typical U.S. city, although the majority of offenses are property-related. On a 100-point index, the city scores 27.4 for violent offenses versus 22.7 nationally. The property crime score is 58.3, exceeding the national norm by about 23 points. Fortunately, many assisted living facilities have security measures, such as controlled access to alarm systems, to promote residents’ safety and peace of mind.

 

In Lincolnton, assisted living facilities charge average monthly rates of $3,523 for care.

Assisted living residents in Lincolnton pay approximately $3,523 per month for services, which is about 12% lower than North Carolina’s norm and nearly $1,000 below the national rate. While seniors in Fayetteville typically pay more affordable rates of $3,000 for housing and services, care costs in other cities in the region typically exceed Lincolnton’s average. For example, in Greensboro, seniors typically spend 8% more on assisted living than Lincolnton residents. Similarly, in Charlotte, rates are 25% higher than in Lincolnton, and in Asheville, monthly fees are costlier at $4,998.

On average, assisted living facilities in Lincolnton charge $3,523 per month for housing and care. This is less than half the cost of nursing home care, which provides around-the-clock medical support for $8,152 monthly. Seniors who live in their own homes and arrange private services pay $4,099 for in-home care and $4,385 for home health care, plus living expenses, such as housing and utilities. Adult day health care costs $1,300 per month, but because it doesn’t include the same scope of services as assisted living, it’s ultimately more expensive for some seniors.  

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 North Carolina page.