Carmel is the capital city of Indiana and is located in the heart of the state. The city has seen a lot of investment over the last several years, and its population has grown from just over 79,000 in 2010 to 99,757 in 2020. The city’s downtown area is thriving, and there’s a wealth of recreational opportunities for active older adults. These opportunities come with the price of an above-average cost of living. However, many seniors are happy to pay a little more to live in the cultural heart of the state.

Assisted living facilities offer seniors the chance to live relatively independently in accessible studios or other similar accommodation where they can receive help with the activities of daily living. These facilities are designed for seniors who find living alone difficult but don’t require around-the-clock medical care. Assisted living facilities in the Carmel/Indianapolis area typically charge $4,478 per month, which is close to the national average of $4,500.

This guide looks at the cost of assisted living and other similar senior care services in Carmel. It also covers the benefits and downsides of living in Carmel and lists some free resources and nonprofit organizations that support local seniors.

Directory of Assisted Living Facilities in Carmel, IN

2016

The Stratford

2460 Glebe Street, Carmel, IN, 46032

I visited The Stratford. They were very kind and very helpful. We met with two of the salespeople and one of them gave the tour, and we learned all about it. We went to the different areas like the di … (read more)
I visited The Stratford. They were very kind and very helpful. We met with two of the salespeople and one of them gave the tour, and we learned all about it. We went to the different areas like the di … (read more)

Sunrise on Old Meridian

12130 Old Meridian Street, Carmel, IN, 46032

Sunrise on Old Meridian is located in an upscale, thriving area of Carmel, just moments away from numerous restaurants, stores and medical facilities. The facility is known for its inviting, homey atm … (read more)
Sunrise on Old Meridian is located in an upscale, thriving area of Carmel, just moments away from numerous restaurants, stores and medical facilities. The facility is known for its inviting, homey atm … (read more)

Rose Senior Living at Carmel

1285 Fairfax Manor Drive, Carmel, IN, 46032

I toured Rose Senior Living at Carmel. It was very nice. The staff members were very friendly. The dining area was very nice, and the rooms were very nice. I saw regular kitchens. We looked at a two-b … (read more)
I toured Rose Senior Living at Carmel. It was very nice. The staff members were very friendly. The dining area was very nice, and the rooms were very nice. I saw regular kitchens. We looked at a two-b … (read more)

Bickford of Carmel

5829 116th St. E, Carmel, IN, 46033

Bickford of Carmel is located just minutes away from shops, restaurants and downtown Indianapolis. Loved ones mention the warm home-style atmosphere, qualified and welcoming staff, and available laund … (read more)
Bickford of Carmel is located just minutes away from shops, restaurants and downtown Indianapolis. Loved ones mention the warm home-style atmosphere, qualified and welcoming staff, and available laund … (read more)

Majestic Care of Carmel Assisted Living

12999 North Pennsylvania Street, Carmel, IN, 46032

Majestic Care of Carmel Assisted Living was very nice. They have a lot of amenities. They’re undergoing a major renovation in the entire building. They’ve been doing a very good job of upgrading the r … (read more)
Majestic Care of Carmel Assisted Living was very nice. They have a lot of amenities. They’re undergoing a major renovation in the entire building. They’ve been doing a very good job of upgrading the r … (read more)

Magnolia Springs Bridgewater

14901 Carey Road, Carmel, IN, 46033

Magnolia Springs of Bridgewater is an assisted living and memory care facility in Carmel, Indiana, offering studio, one-bedroom and two-bedroom apartments. Residents and visitors give high marks to th … (read more)
Magnolia Springs of Bridgewater is an assisted living and memory care facility in Carmel, Indiana, offering studio, one-bedroom and two-bedroom apartments. Residents and visitors give high marks to th … (read more)

2019

Independence Village of Carmel

13390 N. Illinois Street, Carmel, IN, 46032

Carmel Senior Living is located in Carmel, Indiana near North Meridian Street, St. Vincent Carmel Hospital and shopping centers. Loved ones appreciate the kind, patient staff that communicates with fa … (read more)
Carmel Senior Living is located in Carmel, Indiana near North Meridian Street, St. Vincent Carmel Hospital and shopping centers. Loved ones appreciate the kind, patient staff that communicates with fa … (read more)

Woodland Terrace of Carmel

689 Pro Med Lane, Carmel, IN, 46032

Woodland Terrace of Carmel is an assisted living facility nestled in a private, wooded setting right in the heart of Carmel, Indiana. It is close to shopping, dining, entertainment and recreation with … (read more)
Woodland Terrace of Carmel is an assisted living facility nestled in a private, wooded setting right in the heart of Carmel, Indiana. It is close to shopping, dining, entertainment and recreation with … (read more)

The Barrington of Carmel

1335 S. Guilford Rd, Carmel, IN, 46032

The Barrington of Carmel is an assisted living facility located near the Arts and Design District in Carmel, Indiana. It provides 1-bedroom, 2-bedroom and companion suites to suit each preference. The … (read more)
The Barrington of Carmel is an assisted living facility located near the Arts and Design District in Carmel, Indiana. It provides 1-bedroom, 2-bedroom and companion suites to suit each preference. The … (read more)

Wellbrooke of Carmel

12315 Pennsylvania Street, Carmel, IN, 46032

Wellbrooke is located in a thriving location of Carmel, surrounded on all sides by stores, restaurants and medical facilities for convenience. Due to the location, residents can easily go on relaxing … (read more)
Wellbrooke is located in a thriving location of Carmel, surrounded on all sides by stores, restaurants and medical facilities for convenience. Due to the location, residents can easily go on relaxing … (read more)

Traditions at Solana

7721 Battery Pointe Way, Indianapolis, IN, 46240

Traditions at Solana in the Indianapolis suburb of Washington Township enjoys a uniquely situated area between the White River and its nearby bay. The community’s residents and their loved ones recomm … (read more)
Traditions at Solana in the Indianapolis suburb of Washington Township enjoys a uniquely situated area between the White River and its nearby bay. The community’s residents and their loved ones recomm … (read more)

Harbour Manor & The Lodge

1667 Sheridan Rd, Noblesville, IN, 46062

Facility-wise, Harbour Manor & The Lodge was very clean and very nice. The rooms they got weren’t as big as the rooms that I visited in the other two facilities, but they were still nice. The youn … (read more)
Facility-wise, Harbour Manor & The Lodge was very clean and very nice. The rooms they got weren’t as big as the rooms that I visited in the other two facilities, but they were still nice. The youn … (read more)

Traditions at North Willow

1703 W. 86th Street, Indianapolis, IN, 46260

Traditions at North Willow is a comfortable and welcoming independent living community nestled in the heart of the North Willow neighborhood. Living options include studio, one-bedroom and two-bedroom … (read more)
Traditions at North Willow is a comfortable and welcoming independent living community nestled in the heart of the North Willow neighborhood. Living options include studio, one-bedroom and two-bedroom … (read more)

Meadow Brook Senior Living

11011 Village Square Lane, Fishers, IN, 46038

Meadow Brook Senior Living was a very positive place. I visited three facilities altogether, and that was probably the nicest of the three. I saw a one-bedroom, one-bath apartment that was 480 square … (read more)
Meadow Brook Senior Living was a very positive place. I visited three facilities altogether, and that was probably the nicest of the three. I saw a one-bedroom, one-bath apartment that was 480 square … (read more)

Independence Village of Fishers South

9745 Olympia Drive, Fishers, IN, 46037

Welcome to Independence Village! At Independence Village of Fishers, we create an environment where residents get the most out of their retirement. From helping with simple tasks, to providing extra a … (read more)
Welcome to Independence Village! At Independence Village of Fishers, we create an environment where residents get the most out of their retirement. From helping with simple tasks, to providing extra a … (read more)

2015

Willow Lake Place

2725 Lake Circle Drive, Indianapolis, IN, 46268

I toured Willow Lake Place. It was very nice, but I think it was probably smaller. The staff members were friendly. The dining area was sort of sparse but clean. The room we saw was nice, but it wasn’ … (read more)
I toured Willow Lake Place. It was very nice, but I think it was probably smaller. The staff members were friendly. The dining area was sort of sparse but clean. The room we saw was nice, but it wasn’ … (read more)

Independence Village of Zionsville East

11755 N. Michigan Road, Zionsville, IN, 46077

You walk into Independence Village of Zionsville and you feel like you’re in a mansion. It’s probably an older building, but very, very well-kept. They had a picture of Mona Lisa on the wall there, so … (read more)
You walk into Independence Village of Zionsville and you feel like you’re in a mansion. It’s probably an older building, but very, very well-kept. They had a picture of Mona Lisa on the wall there, so … (read more)

Crown Senior Living Indianapolis

7960 N. Shadeland Drive, Indianapolis, IN, 46250

My mom is a resident and has been hospitalized twice within 2 months, this last time resulting in her bring in ICU on a ventilator for things that could have been prevented! She’s not been given prope … (read more)
My mom is a resident and has been hospitalized twice within 2 months, this last time resulting in her bring in ICU on a ventilator for things that could have been prevented! She’s not been given prope … (read more)

Copper Trace

1250 W. 146th Street, Westfield, IN, 46074

Copper Trace was very nice. I was very impressed with it. The lady, Jean, did a very good job showing it to us, and we asked if we could sample their food. She brought our breakfast, just one breakfas … (read more)
Copper Trace was very nice. I was very impressed with it. The lady, Jean, did a very good job showing it to us, and we asked if we could sample their food. She brought our breakfast, just one breakfas … (read more)

Heritage Woods of Noblesville

9600 E. 146th Street, Noblesville, IN, 46060

I’m moving into Heritage Woods of Noblesville. It’s within a walking distance of fast-food places and shopping strips. It’s in a very busy area on a very busy highway, but it’s not on the highway. It … (read more)
I’m moving into Heritage Woods of Noblesville. It’s within a walking distance of fast-food places and shopping strips. It’s in a very busy area on a very busy highway, but it’s not on the highway. It … (read more)

COVID-19 Rules for Assisted Living in Carmel

Since most COVID-19 rules for Assisted Living Communities and other Senior Living Facilities are set at the state level, you can view the specific rules for your state on our Guide to Assisted Living in Indiana. Keep in mind that every community has specific policies that they put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.

What to Consider About Assisted Living in Carmel

The Indiana Residential Care Facility Licensing Program oversees the licensing and inspection of facilities operating in the state. Assisted living facilities are required to abide by state laws and regulations relating to the standard of accommodations, staffing, food safety and the provision of healthcare. The Long Term Care Ombudsman responds to any complaints or concerns about Indiana facilities.

Benefits and Drawbacks of Assisted Living in Carmel

  • The weather in Carmel is quite comfortable for most of the year. June, August and September are typically pleasant months. The city sees some rainfall throughout the year, and snow during the winter months. This means there are several months each year when active seniors can take advantage of the area’s many leisure opportunities.
  • The air quality in Carmel is excellent. Ozone, nitrogen dioxide and particulate matter levels are all low. This may be important for seniors who are living with respiratory issues because pollution can aggravate certain conditions.
  • Both violent crime and property crime levels in Carmel are much lower than the national average. Seniors can feel safe while out running errands or socializing in the city.
  • It’s easy for seniors living in Carmel to stay connected with their local community. The city offers a variety of public transportation options, and there are door-to-door senior transit services helping residents attend medical appointments, get to senior centers or run errands.
  • There are several hospitals in Carmel, including the IU Health North hospital and the Ascension St. Vincent hospital. Seniors should find it easy to access the healthcare they need, and healthcare costs are below average for the United States.

Paying for Assisted Living in Carmel

The Genworth Financial Cost of Care Survey lists the average cost of assisted living in Carmel as $4,478 per month. This is slightly lower than the national average of $4,500 but makes Carmel more expensive than the Indiana average of $4,283.

The Cost Of Assisted Living in Nearby Cities

Carmel’s assisted living facilities cost slightly more than the Indiana average. Fees are far lower further north in Fort Wayne ($3,485) and Michigan City ($3,617). Nearby Evansville is also relatively affordable, with monthly fees of $4,389. Terre Haute is one of the more expensive cities in the state, with facilities charging average fees of $4,948 per month.

$4478

Carmel

$4283

Indiana

$4500

The United States

$3485

Fort Wayne

$3617

Michigan City

$4389

Evansville

$4948

Terre Haute

The Cost of Other Types of Senior Care 

In addition to assisted living, Carmel seniors have several other options for care services. Adult day care is the most affordable option, at just $1,625 for support during daytime hours in a group setting. In-home services vary from $5,053 for personal care or $4,957 for some limited nursing support. A semiprivate room in a nursing facility is around $7,057, but private rooms are much more expensive, averaging $8,973 per month.

$5053

Homemaker Services

$4957

Home Health Care

$1625

Adult Day Health Care

$4478

Assisted Living Facility

$7057

Nursing Home Facility (semiprivate room)

$8973

Nursing Home Facility (private room)

Financial Assistance for Assisted Living in Carmel

Low-income seniors in Carmel have access to two programs that can help them cover the expenses of assisted living. These include Supplemental Security Income – Category G and Indiana Medicaid. Carmel does not have an assisted living community that participates in the Indiana Residential Care Assistance Program.

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

Paying for Assisted Living Facilities in Indiana

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 Indiana page.

Free Assisted Living Resources in Carmel

Seniors planning on spending their retirement years in Carmel can take advantage of a variety of support services from nonprofit organizations and the local government. These organizations offer wellness services, social activities and benefit assistance.

Resource

Contact 

Service

(800) 432-2422

CICOA Aging and In-Home Services runs a range of programs for local older adults. It delivers senior meals, transportation and caregiver support programs. CICOA also runs Aging and Disability Resource Centers and provides seniors with care management services, helping them understand their care options and arrange suitable care.

(317) 848-7275

Carmel Clay Parks and Recreation runs a variety of senior programs for the city's older residents. Programs are delivered in accessible senior centers and include everything from social gatherings and fitness classes to wellness programs and fall prevention sessions.

(317) 776-9610

Hamilton County Veterans Service Office works with veterans and their immediate families, helping them access the practical and financial support they need. The VSO can advise on pensions, benefits and other payments veterans may qualify for. They can also help veterans access healthcare, housing support and other services. 

Assisted Living Laws and Regulations in Carmel

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

Assisted Living Laws and Regulations in Indiana