The 5 Best Assisted Living Facilities in Cumberland, MD for 2024

 

Cumberland, Allegany County’s seat and principal city, sits on the Potomac River and serves as the primary city of the Cumberland metropolitan area, a region with 5 assisted living communities. These facilities charge approximately $5,248 per month for care, exceeding the state median of $4,900, as well as the nation’s midpoint range of $4,500.

In our directory, we highlight the benefits and drawbacks of local assisted living facilities by publishing 17 reviews reviews. Based on this unbiased feedback, we estimate an average quality rating of 4.66 out of 5 stars stars.

The Maryland Department of Health oversees the licensing of all assisted living facilities in Cumberland through its Assisted Living Unit. This department defines the scope of services facilities in Cumberland and the rest of the state must provide, and it sets minimum standards for housing, care and custodial services and recreation.

 

• Maryland seniors, including assisted living residents in Cumberland, benefit from services and initiatives available through organizations such as AARP Maryland. This nonprofit organization supports older adults through programs such as its free tax filing assistance program, safe driver classes and community educational opportunities and events. The organization also provides free information on money-related topics and comparing long-term care solutions.

 

• The AARP Livability Index assigns Cumberland a rating of 53, putting it in the top half of U.S. communities for suitability and comfort for seniors. The city promotes convenience through reliable, ADA-accessible transportation services and its high walkability score of 14.73 versus the nation’s norm of 6.17, reducing residents’ reliance on private vehicles. Additionally, its preventable hospitalization rate comes in about a point lower than the national average at 37.1 incidents per 100,000 patients, meaning that many conditions receive successful treatment through outpatient care.

 

• Cumberland ranks in the bottom 5% of U.S. communities for safety, making assisted living a viable alternative to living alone for seniors concerned about crime. There are about 40 reported crimes per 1,000 residents, which is higher than 95% of communities nationwide and 96% of cities in Maryland. Even so, there are several safe neighborhoods for seniors seeking long-term care, including Longs/Stoneybrook and La Vale on the city’s west side.

 

• Cumberland has four distinct seasons and year-round temperatures ranging from lows of 24 degrees Fahrenheit in the winter to highs of 87 degrees Fahrenheit in the summer. Residents see about 31 inches of rainfall and 23 inches of snow, along with partial cloud coverage year-round. During the most comfortable months, which typically span mid-June to mid-September, many assisted living facilities plan activities, such as community outings and picnics, to let residents enjoy the weather.

 

• In Cumberland, a senior’s state income tax bill depends on their sources of income. The state exempts Social Security benefits from taxation, and although it levies taxes against pension payments and withdrawals from 401(k) accounts, it has exclusions to relieve some of the financial burden.

 

Seniors in Cumberland pay a median monthly rate of $5,248 for assisted living services and housing.

In Cumberland, assisted living communities charge $5,248 for services, which is a few hundred dollars over the Maryland norm of $4,900 and $748 higher than the national rate. Local care costs also run high compared to rates in other cities in the region, with seniors in Salisbury paying about $268 less for care. Similarly, in Baltimore, rates run lower at $4,750, and in Hagerstown, seniors pay $4,630 for services.  

At $5,248 per month, assisted living fees in Cumberland run high compared to most alternatives. For example, agencies that provide nonmedical personal care services in the individual’s home charge lower rates of $4,957 for in-home care, while agencies that administer private skilled nursing services charge $4,862 for home health care. Seniors who live at home and attend adult day health care facilities pay about $3,081 less than assisted living residents for personal care and light medical services. On the other hand, for seniors who need around-the-clock medical care and supervision, nursing home care costs $3,877 more per month than 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 Maryland page.