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10 Best Assisted Living Facilities in Indianapolis, IN for 2024

Located in the center of the state, Indianapolis is home to 887,642 residents, of which 108,292 are aged 65 or older. With strong job growth, low tax rates and an overall cost of living that’s 16.5% lower than the national average, Indianapolis offers retirees attractive options to stretch their incomes. Seniors also have access to the city’s high number of Medicare-registered physicians and more than 20 hospitals, including Richard L. Roudebush VA Medical Center and Indiana University Health.

Assisted living communities provide seniors assistance with managing daily activities, such as personal care, medications and transportation. Individuals who don’t need a nursing home’s around-the-clock medical care could benefit from living in a secure and supportive environment. Seniors in Indianapolis pay an average of $4,478 per month for assisted living care, which is about 4.5% higher than Indiana’s $4,283.

This guide includes details about the local recourses available to seniors and the average cost of assisted living. It also offers insight into the advantages and challenges of retiring in the Indianapolis area.

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Assisted Living Facilities in Indianapolis, Indiana

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What to Consider About Assisted Living in Indianapolis

The Indiana Department of Health Division of Long Term Care/Nursing Homes oversees all long-term care facilities throughout the state, including those in the Indianapolis area. The department also manages state licensing and federal certification programs, and its representatives perform routine inspections to ensure that the facilities comply with Indiana’s regulations.

Benefits and Drawbacks of Assisted Living in Indianapolis

  • Indianapolis residents enjoy four distinct seasons with generally pleasant winters and summers. The area’s average precipitation levels also appeal to active individuals who appreciate outdoor activities. Although January typically produces more than 6 inches of snow, and July’s humidity can be draining, Indianapolis’s overall weather index of 8.6 indicates a comfortable year-round climate.
  • While Indianapolis’ senior residents only account for 12.2% of the city’s total population, the area’s 272 physicians per 100,000 population is well above the national norm of 210 per 100,000. Individuals in this demographic also benefit from health care costs that are 13.5% lower than the United States’ average. The city’s health rating falters, with low water and air quality ratings; however, the city’s participation in the EPA’s Superfund program indicates a focused effort to clean up areas that may cause health risks.
  • As with most large cities, Indianapolis has a problem with property and violent crime. However, seniors who decide to live in an assisted living community typically enjoy 24/7 security features, such as video surveillance.
  • The low cost of living in Indianapolis helps seniors afford a comfortable retirement. The city’s grocery and housing costs are only marginally higher than the state’s. However, its 93.6 index for groceries is 6.4% lower than the nation’s, and its housing costs rest at 38% below the U.S. average. The region’s winter and summer temperatures require consistent and reliable utilities, and this is one area in which seniors, and all residents, can benefit. Indianapolis’ rates are 7.2% below the state’s and 9.8% less than the national average.
  • Indianapolis is home to several large employers, including Lilly, an Amazon fulfillment center, IUPUI and a thriving farm-to-table restaurant culture and convention and hospitality industry. Each contributed to the area’s recent 2.5% job market increase. They also factor into Indianapolis’ 37.5% predicted future job growth, which is 11% higher than the U.S.’s 33.5%. A strong economy supports necessary senior resources.

Paying for Assisted Living in Indianapolis, IN

When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, Caring.com has compiled proprietary cost data from its network of more than 75,000 senior living providers to provide insight into the average cost of assisted living in Indianapolis and 47 other cities in Indiana.

Inflation's Impact on the Cost of Assisted Living in Indianapolis, IN

Due to inflation, Indianapolis assisted living costs rose from $3,684 to $4,036 between 2022 and 2023. This pricing jump reflects a 9.55% change, like the national average, which rose from $4,070 to $4,459. Still, these figures exceed the state's inflation of -0.06%. However, Fort Wayne shares the same inflation as Indianapolis, with expenses rising from $3,810 to $4,174, as does Zionsville. Washington's costs are marginally higher, increasing 9.56% from $4,244 to $4,650. Although inflation across these cities is currently stable, it helps to have figures like these to plan for the future.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Indianapolis$3,684$4,036$4,346
U.S. Average$4,070$4,459$4,802
Indiana$4,360$4,357$4,699
Fort Wayne$3,810$4,174$4,495
Washington$4,244$4,650$5,008
Zionsville$8,119$8,895$9,579

The Cost of Assisted Living in Nearby Cities

Indianapolis’ $4,478 average monthly assisted living costs represent a midrange of rates for cities throughout Indiana. South Bend offers a considerably lower average monthly rate of $3,308, and Fort Wayne’s $3,485 is nearly $1,000 less than Indy’s. However, Terre Haute’s $4,948 and Lafayette’s $5,255 averages are considerably higher than Indianapolis’ monthly costs.

Indianapolis

$4,478

Indiana

$4,283

The United States

$4,500

Terre Haute

$4,948

Fort Wayne

$3,485

South Bend

$3,308

Lafayette

$5,255

The Costs of Other Types of Senior Living

Costs vary depending on what type of senior care is required. For example, In Indianapolis, the average cost of assisted living in 2023 stands at $4,036. In contrast, memory care is priced much higher at $5,852, but independent living is much lower at $3,089. Elements such as the level of care, variety of amenities and special care all contribute to price differences.

Assisted Living

$4,036

Memory Care

$5,852

Independent Living

$3,089

Financial Assistance for Assisted Living in Indianapolis

Indiana’s Regional Care Assistance Program (RCAP) helps seniors pay for the monthly cost of assisted living. The state also offers a Medicaid Waiver program, but it only covers costs for seniors residing in an RCF.

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

Financial Assistance 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 and Low-Cost Resources for Seniors in Indianapolis,IN

There are many resources in Indianapolis,IN that assist seniors in their retirement. Caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

For information about statewide resources and those in nearby cities, go to Caring’s Indiana state page.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
CICOA Aging & In-Home Solutions800-432-2422Area Agencies on Aging in Indiana support older adults and their caregivers by providing services ranging from case management, Medicare fraud prevention and referrals to local programs that support the daily needs of seniors. Sixteen agencies across Indiana work with local programs to provide services such as meal delivery, transportation to medical appointments, assistance paying for heating and cooling bills and training for caregivers. Indiana seniors can call a toll-free number to learn about additional services.

Cash Assistance Programs

Cash assistance programs in Indianapolis provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.

Program NamePhone NumberDescription
Indiana Temporary Assistance for Needy Families (TANF)800-403-0865Indiana State Government Division of Family Resources is responsible for administering cash assistance programs and benefits, including the Temporary Assistance for Needy Families (TANF) program. TANF offers temporary financial aid and support for low-income families with dependent children under the age of 18. Payments are based on a family's countable monthly income in relation to the size of the family. The program also offers support for basic needs, job training and employment services to help families work toward long-term self-sufficiency.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Indianapolis seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Gleaners Food Bank of Indiana317-925-0191Food pantries help countless seniors all over the state with free bags of groceries that can be prepared at home. When you visit a local pantry, you can tell the volunteers how many people are in your household and get the food you need. Food distributed by pantries is either fresh or shelf-stable, and most food packages have various items to provide a varied supply of food.
Indiana Supplemental Nutrition Assistance Program (SNAP)800-403-0864The Indiana Supplemental Nutrition Assistance Program helps low-income Indiana residents, including eligible seniors ages 60 and over, obtain healthy food. To qualify, seniors must meet financial, state residency and citizenship requirements. Financial criteria apply to income and asset limits. Seniors are given an electronic benefits transfer card known as the Hoosier Works card, which functions like a debit card and is accepted at most grocery stores for eligible food items. It can't be used for alcohol or tobacco.
Indy Vineyard Missional Food Pantry317-841-3510Food pantries help countless seniors all over the state with free bags of groceries that can be prepared at home. When you visit a local pantry, you can tell the volunteers how many people are in your household and get the food you need. Food distributed by pantries is either fresh or shelf-stable, and most food packages have various items to provide a varied supply of food.
Meals on Wheels of Central Indiana317-252-5558Meals on Wheels delivers prepared meals you can keep in the refrigerator and heat up as you need them. Volunteers deliver meals in their own cars, and most programs include some secondary benefits, such as daily check-in service.
Midwest Food Bank of Indiana317-786-8980Food pantries help countless seniors all over the state with free bags of groceries that can be prepared at home. When you visit a local pantry, you can tell the volunteers how many people are in your household and get the food you need. Food distributed by pantries is either fresh or shelf-stable, and most food packages have various items to provide a varied supply of food.
Sharing Place Food Pantry317-359-5467Food pantries help countless seniors all over the state with free bags of groceries that can be prepared at home. When you visit a local pantry, you can tell the volunteers how many people are in your household and get the food you need. Food distributed by pantries is either fresh or shelf-stable, and most food packages have various items to provide a varied supply of food.
The Salvation Army Indiana Food Assistance800-589-1037The Salvation Army Indiana has several food assistance programs available in locations across the state. Eligible seniors can receive canned foods, fresh fruits and vegetables from food pantries, fresh produce from community gardens and hot meals either served at a food distribution center or delivered. The organization also partners with community projects to offer hot meals at soup kitchens. Additionally, it offers programs for seniors needing low-income housing and help with utility bills and medication costs.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Indianapolis collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
ALS Equipment Loan Closet - Indianapolis317-915-9888The Indiana Chapter of the ALS Association operates an equipment loan closet that supports seniors diagnosed with ALS. The Association loans recycled and donated medical equipment, such as power wheelchairs, patient lifts, rollators and hospital beds, to seniors in need free of charge. New patients can register with the chapter for free to get connected to a Care Services Coordinator, who help individuals get the medical equipment they need.
Assistive Technology Center at Easterseals Crossroads888-466-1314INDATA provides free assistive technology for people with disabilities of all kinds. Program staff also conduct free equipment demonstrations and training on new technology for seniors who need new equipment.

Many organizations offer free or low-cost legal services to Indianapolis seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
Center for At-Risk Elders317-955-2790The Center for At-Risk Elders operates as a nonprofit public guardian for those who are unable to make decisions regarding their own care and who don't have family members to fill the role. Its lawyer-led team of trained staff and volunteers advocate for seniors who are being financially abused, neglected or exploited.
Indiana Legal Services, Inc. (ILS) - Indianapolis Office317-631-9410Indiana Legal Services is a local nonprofit organization that advocates for Avon residents aged 60 and over. It has licensed legal professionals who help seniors access public benefits that may help them pay for residential care, including Medicaid, Supplemental Security Income and the statewide RCAP program. They can also help seniors resolve issues related to denied health insurance claims, canceled Medicare policies and Social Security or veterans' benefits overpayment.
Indiana Long-Term Care Ombudsman800-622-4484The Indiana Long-Term Care Ombudsman program allows residents of assisted living communities to receive advocacy help. If a resident or resident's family member believes their rights are not being protected, they can contact the Ombudsman to get help.
Legal Assistance for Victimized Adults844-243-8570Funded by the Indiana Criminal Justice Institute, the Legal Assistance for Victimized Adults (LAVA) program seeks to support seniors who have experienced abuse, exploitation or neglect. Older adults can ask questions, get guidance navigating legal processes and secure free legal representation.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Indianapolis have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Accessibility Modification Program (AMP) - Indianapolis800-442-2568FHLBank Indianapolis provides home repair and modification services to make homes more accessible for seniors with mobility issues. Participating FHLBank financial institutions fund grants through the Accessibility Modification Program, which serves homeowners 62 years or older and their dependents under 17 years old. Any seniors with disabilities can qualify for the program. Household income must be at or below 80% of the Area Median Income HUD Income Limits to qualify for assistance.
Home Modification Services at Easter Seals Crossroads317-466-1000Easterseals Crossroads serves people with age or developmental disabilities in Indianapolis, IN, by providing home modification services to help increase independence. Services range from replacing cabinet doorknobs to structural changes, including installing wheelchair ramps. The nonprofit works with health care professionals and independent contractors to plan and complete the home alterations required. Funding sources include Medicaid, Vocational Rehabilitation, grants and private pay.
Indiana Single Family Housing Repair Loans & Grants317-290-3100The Indiana Rural Development State Office administers Single Family Housing Repair Loans & Grants in Indiana. The USDA program is for homeowners aged 62 and older who live full-time in a residence, can't secure funding from another agency and meet the very low income guidelines for their county. Applicants must use grants to remove health and safety hazards, and loans can go toward repairing, improving or modernizing homes. Applications are available and accepted year-round at each area's local RD office.
NeighborLink Indianapolis317-286-2740NeighborLink Indianapolis provides help with home repairs for homeowners in Indianapolis aged 62 and older or those with a disability. Applicants need to live within the 465 Loop North of Washington street and have a household income below the threshold of $20,385 for a single person or $34,545 for a family of three. The program helps with accessibility and safety repairs, gutter cleaning and replacement, yard clean-up and plumbing and HVAC work.
Ramp Up Indiana800-872-0371Ramp Up Indiana is a Home Repair and Modifications program in Indianapolis, IN, that helps with mobility assistance. Homeowners with household wheelchair users or other mobility issues can apply for exterior ramp installation to improve home accessibility. The pre-built aluminum or steel ramps help reduce falls and improve the quality of life for residents with mobility problems. Ramp repair is also available through Ramp Up Indiana.

Senior Engagement

Senior engagement resources and programs in Indianapolis help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.

Program NamePhone NumberDescription
AmeriCorps Seniors RSVP (Retired and Senior Volunteer Program) - Indianapolis317-261-3378Catholic Charities Indianapolis houses the region's Retired and Senior Volunteer Program, which provides volunteer opportunities exclusively to those aged 55 and over. Through this program, older adults can serve their community in ways that fit their schedules, abilities and interests. Popular volunteer activities include tutoring and mentoring children, providing administrative support to local charities and nonprofits and organizing food in food pantries. In exchange for their service, seniors receive monthly newsletters, supplemental insurance and invitations to volunteer recognition events.
Indiana Dementia Friends317-254-5465Dementia Friends Indiana, a nonprofit run by CICOA Aging & In-Home Solutions, is a referral service that connects older adults with agencies that support those coping with cognitive decline. Through the organization's in-person and virtual events, including Memory Cafes and Become a Friend sessions, seniors and family members can meet others facing dementia-related challenges and learn techniques for safer home management. Loved ones can also access Help and Hope for Family Caregivers, a video series and workbook on navigating caregiving's demands.

Social Security Offices

Social Security offices in Indianapolis help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Indianapolis Social Security Offices800-772-1213Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several Indianapolis resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
Indy Free Tax Prep - Indianapolis317-923-1466The United Way of Central Indiana offers free tax preparation and filing assistance to individuals and families earning less than $66,000 a year. Volunteers can answer questions and help find exemptions, credits, and deductions to save money on your taxes.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Indianapolis retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Indiana Energy Assistance Program317-232-7777Energy assistance is available to Indiana residents who meet the program's financial restrictions, which are similar to Medicaid's income and asset limits.

Veteran's Services

Indianapolis retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Indianapolis VA Regional Office317-916-3736Former members of the U.S. military can contact the VA Regional Office to learn what benefits are available to them and whether they can apply the assistance to helping pay for assisted living services. In-person interviews can be scheduled Monday through Friday during office hours.
Indianapolis Vet Center317-423-1680The Indianapolis Vet Center provides confidential mental health services for service members, veterans and their families in a calming, nonmedical atmosphere. The Indianapolis clinic is open Monday through Friday by appointment, and veterans can contact the center for nontraditional hours, which change periodically throughout the year. Counseling services are available for grief and bereavement, PTSD, military sexual trauma, depression and anger. Returning service members can access transition counseling to help them reintegrate into civilian life.
Richard L. Roudebush VAMC317-554-0000Richard L. Roudebush Veterans' Administration Medical Center is a hospital offering veterans primary and specialty care in Indianapolis. Open 24/7, the facility provides a number of health services, including cardiology, neurology, audiology, gastroenterology and dermatology. Visitors can access emergency care as well as vision care, dental services and outpatient surgery. A pharmacy is on-site. Veterans can also benefit from mental health care and physical therapy at this facility. Parking for the campus is in the garage below the building.

Assisted Living Laws and Regulations in Indianapolis

Indianapolis Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities 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

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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

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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