Choosing a senior living community where you feel safe and comfortable is crucial. For some seniors, that means finding a community aligning with their religious beliefs. As people age and deal with health challenges, memory complications or losing loved ones, they may seek solace in their faith or others with similar religious views. In this case, meeting your spiritual needs becomes just as important as your physical, emotional and mental needs. 

Most of the current senior population considers themselves religious. According to a study by Pew Research Center, about 65% of adults aged 65 and older believe religion is very important in their lives. Although they practice various religions, the feeling of being in an inclusive space to meet like-minded peers and build a sense of community is consistent. A faith-based community can provide that type of environment.

This guide covers the ins and outs of faith-based senior living, how it can be a beneficial long-term care option and what financial assistance is available to pay for care. 

What Is Faith-Based Senior Living?

What Is Faith-Based Senior Living?

Faith-based communities provide the same services and amenities as standard communities, including personal care assistance, housing, meals and transportation, but they also offer religious and spiritual care. Some faith-based communities follow a specific religion, while others are more broad. By some estimates, they reach 70% of the American population.

Common amenities found at faith-based communities include on-site places of worship, Bibles or other religious texts and religious services. The community will also typically observe important religious holidays and may hold special services or activities to celebrate them. 

What Are the Benefits of Faith-Based Assisted Living?

There are many benefits of choosing a faith-based assisted living community. For example, it may be easier for seniors to connect with those who share similar religious views, traditions and values. It can also help older adults find religious activities they enjoy, such as prayer circles or church choirs, which may not be available in standard communities. Additional benefits include:

  • A built-in support system
  • Opportunities to get involved in spiritual activities
  • A sense of purpose and belonging
  • Enhanced physical and mental health 
  • Reduced feelings of isolation
  • Easier access to religious services
  • Help when coping with difficult emotions or situations

Tips for Finding a Faith-Based Senior Living Community

When you’re looking for a faith-based community, it’s important to find one that provides the level of care you need along with the religious activities you desire. It may take some time and effort to pinpoint a community that meets these needs, but the following tips may make the process easier: 

  • Obtain referrals to faith-based senior communities: Ask local religious leaders. They often provide services to spiritual communities and will likely have recommendations. 
  • Ask your health care provider: Your doctor may be familiar with faith-based communities that offer your needed level of care. Medical professionals typically have knowledge on different care options to better assist their patients. 
  • Reach out to a local place of worship: Speak with the person responsible for locating community-based spiritual services. They may have suggestions for faith-based communities. 
  • Attend local health fairs and events: Many senior living communities set up booths, and you may find a few that are faith-based. 
  • Ask a nurse or medical assistant: They may have previously worked in senior living and can share their knowledge of faith-based assisted living. 

What to Look For in a Faith-Based Senior Living Community

It can be difficult to know what to look for in a good faith-based senior living community. The following checklist can provide guidance during your search. 

How Much Does Faith-Based Senior Living Cost?

How Much Does Faith-Based Senior Living Cost?

Faith-based senior living costs are usually comparable to standard communities. However, some specific communities may cost slightly more if they offer specialized programming or have faith leaders on staff. Prices will also vary, depending on a facility’s type and location as well as the source of their funding.

According to the 2021 Genworth Cost of Care Survey, the national monthly average for an assisted living community is $4,500, while nursing homes cost about $7,908 per month. Here are a few cost examples for cities nationwide:

Assisted Living

Nursing Home (semiprivate room)

New York, NY

$5,750

$12,471

Tallahassee, FL

$4,650

$9,095

Sacramento, CA

$5,225

$10,646

Austin, TX

$5,345

$5,931

Chicago, IL

$4,825

$6,996

How to Pay for Faith-Based Senior Living

There are a few financial assistance options available, including Medicare/Medicaid, VA benefits and private insurance. However, most senior living options outside nursing homes aren’t usually covered by Medicare or insurance plans because they’re considered elective and not essential for medical reasons. Faith-based communities are typically viewed the same as standard communities for insurance purposes, but you may be able to access funding through faith-specific charities. The following table breaks down financial assistance options based on the type of senior living community. 

Medicare

Medicaid

VA Benefits

Private Insurance

Other

55+ Retirement Communities

No coverage

No coverage 

Veterans can use their monthly VA pension or Housebound benefit to help cover costs. 

Typically no coverage

Low-income seniors can apply for local rent assistance programs. 

Independent Living

No coverage

No coverage

Veterans can use their monthly VA pension, Housebound benefit, or Aid and Attendance to help cover costs. 

Typically no coverage, but LTC insurance may cover certain personal care and medical services.

Reverse mortgages can help cover costs. Certain life insurance policies can also be used. 

Assisted Living

No coverage.

Possible coverage through Home and Community-Based Service (HCBS) waivers. 

Qualifying veterans can use monthly benefits or may receive care in a VA assisted living community

LTC insurance covers some costs.

Reverse mortgages and life insurance can be used as financial assistance. 

Nursing Homes

Medicare Part A covers nursing home care when medical services are needed, but it doesn't cover just custodial care. 

Medicaid will cover full costs for nursing home care as long as you meet your state's financial and care requirements. 

Qualifying veterans can use monthly benefits or may receive care in a VA nursing home

Most LTCI policies cover nursing home care. 

Patients may utilize reverse mortgages, life insurance payouts, and annuities

Religion-Specific Resources

Frequently Asked Questions

What Is a Faith-Based Community?


A faith-based community often emphasizes the importance of spirituality and the integration of religious principles into daily life. They aim to provide spiritual fulfillment for their residents while addressing their physical, emotional, and social needs. Specialized religious services in an on-site place of worship and spiritual discussions may occur. Faith leaders may also be on staff for additional guidance.

Are Religious Senior Living Communities Open to All Faiths?

Religious senior living communities are typically open to all faiths and backgrounds. Some communities may even cater to multiple religions by observing a wide array of religious holidays or providing transportation to local houses of worship. If you aren’t religious and choose to attend a faith-based community, keep in mind you will likely encounter a significant number of residents who share the same faith and participate in religious activities together.

Who Operates Faith-Based Senior Care Centers?

It’s common for local nonprofits or places of worship to operate or be affiliated with faith-based communities. Some may also be run by private companies. Staff members are often faith leaders or trained in providing spiritual care and are tasked with overseeing worship services and other religious activities.

Why Is Faith-Based Senior Living Important?

Living in a faith-based senior living community allows individuals to stay connected with their spiritual traditions and meet others who hold the same values. Services and activities are also held on-site, making it easier for seniors to attend as they wish without worrying about transportation.

What Are The Characteristics of a Faith-Based Community?

Faith-based communities are often driven and guided by spiritual values, including compassion, integrity and respect. They’re also inclusive, meaning you don’t have to be a member of a specific faith to join, and encourage residents to build community with each other through common beliefs and traditions.