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Assisted Living Communities in Indianapolis, IN

Located in the heart of Indiana on the White River, Indianapolis serves as the state capital and home to 113 assisted living communities. According to 2024 survey data, the baseline cost for assisted living in this region hovers near $3,993, running substantially lower than state and national norms of $5,013 and $5,350, respectively.

In this guide, we feature 921 reviews reviews of assisted living facilities in and around Indianapolis, helping you assess the quality of care available in this city. According to consumer feedback, these facilities garner an average satisfaction rating of 4.1 out of 5 stars out of five stars.

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The Cost of Assisted Living in Nearby Cities

According to the 2024 Genworth Cost of Care Survey, the median rate for assisted living in Indianapolis comes in near $3,993, offering relative affordability compared to the Indiana norm of $5,013. Additionally, the local rate runs low compared to costs in other cities in Central Indiana. For example, seniors in Lafayette pay higher assisted living costs of approximately $5,499, and in Terre Haute, facilities charge around $6,131.

Indianapolis

$3,993

Indiana

$5,013

United States

$5,350

Lafayette

$5,499

Kokomo

$5,198

Muncie

$5,383

Terre Haute

$6,131

How to Pay for Assisted Living in Indianapolis:

To effectively budget for assisted living expenses, Indianapolis seniors rely on public health insurance programs, veterans’ benefits and personal finances. When choosing a facility, prospective residents may consider not only the cost of care but also which payment options the facility accepts.

  • Medicaid: Two Indiana Medicaid programs help seniors pay for assisted living: the Aged and Disabled Waiver and PathWays for Aging. These programs offer benefits such as personal care services, meals, emergency response systems and housekeeping.
  • Medicare: Assisted living services don’t qualify for Medicare coverage, which only applies to medically necessary services. However, Medicare Part B pays for skilled nursing, rehabilitative therapies and durable medical equipment, helping many assisted living residents control overall care costs.
  • VA Benefits: Aid and Attendance and Housebound benefits increase qualified veterans’ monthly pension payments, giving them more money to put toward assisted living expenses. Additionally, the VA administers the Geriatrics and Extended Care program, which pays for services such as personal care, meals and transportation.
  • Private payments: Seniors use their income, savings and assets to cover all assisted living expenses, including housing, meals, recreation and care services. This includes their Social Security benefits, retirement savings, home equity and long-term care insurance.

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.

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 Other Types of Senior Care

According to recent survey data, Indianapolis seniors plan to spend around $3,993 per month on assisted living, hundreds of dollars less than the cost of other local senior care solutions. By comparison, seniors who choose private options spend around $5,911 on in-home care and $6,673 on home health care, while adult day health care facilities set rates near $6,056. Additionally, nursing home costs run higher at approximately $7,908 for semi-private accommodations.

In-Home Care

$5,911

Home Health Care

$6,673

Adult Day Health Care

$6,056

Assisted Living Facility

$3,993

Nursing Home Facility (semi-private room)

$7,908

Assisted Living Facility Care and Amenity Breakdown for Indianapolis, IN

Assisted Living Room Accommodation Types and Availability

According to our proprietary database, assisted living facilities in Indianapolis offer 28 studio apartments, 24 one-bedroom apartments, and 17 two-bedroom apartments.

Health and Personal Care Service Levels and Availability

Indianapolis has 15 facilities offering respite care services, 20 offering skilled nursing, 3 offering bathing assistance, and 1 offering memory care.

Pet Policies and Popular Amenities

Pets are allowed in 28 facilities in Indianapolis, with 8 that restrict cats, 2 that do not allow large dogs (only small dogs allowed), and 6 others with a strict 'no-pet' policy. In terms of recreation and wellness amenities, Indianapolis offers 6 facilities with a pool or spa, and 1 with a patio.

These statistics are current as of December 2024 using Caring's proprietary database of Assisted Living facilities across the United States, sourced largely from the facilities or from our team's research. We strive to maintain the largest database of senior living facilities and senior care resources online. Though we may not have full coverage, we will continue to update and validate this data for care seekers. These data points describe the facility's location offerings, which may include more types of care than Assisted Living.

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.

Program NamePhone NumberDescription
CICOA Aging & In-Home Solutions317-803-6131As the Area Agency on Aging for Indianapolis, this nonprofit organization provides caregiver support services, home-delivered and congregate meals, transportation and care management. It houses the city’s Aging and Disability Resource Center, which provides information and referrals for community-based services.
Gleaners Food Bank of IndianaContact FormGleaners Food Bank of Indiana operates a drive-through pantry 4 days per week, along with mobile food pantries that visit sites throughout the city. It has a home delivery program that delivers shelf-stable food items and fresh produce to homebound individuals.
Meals on Wheels of Central Indiana317-252-5558Meals on Wheels of Central Indiana delivers low-cost hot and cold meals on weekdays, with accommodations for physician-ordered diets. Additionally, it operates the EMBRACE meal delivery program for seniors recently diagnosed with cancer, along with free meals for Medicaid beneficiaries.
ALS Association Equipment Loan Closet800-782-4747This loan closet provides free rentals of gently used durable medical equipment. Some items individuals may borrow include bed rails, bath benches and wheelchairs.
Assistive Technology Center at Easterseals Crossroads888-466-1314Easterseals Crossroads provides durable medical equipment for seniors and those with disabilities. It has an online library where individuals can search through items such as padded seat cushions, mobility aids and shower benches.
Center for At-Risk Elders317-955-2790This nonprofit organization provides emergency legal guardianship services to protect vulnerable older adults from abuse, neglect or exploitation. It helps ensure at-risk seniors in assisted living receive the care and protection they need when they’re unable to self-advocate.
Indiana Legal Services, Inc.317-631-9410ILS provides free civil legal services to those aged 60 and over, helping them access public and veterans’ benefits, understand assisted living contracts and resolve consumer issues. It houses the area’s long-term care ombudsman, who advocates for those in assisted living.
Indiana Single Family Housing Repair Loans & Grants317-290-3100This program helps those aged 62 and over with very low incomes to obtain grants for necessary repairs and improvements for their homes. The maximum grant amount is $10,000 and must be used to resolve health and safety issues.
Home Repairs for Good317-286-2740Hope Repairs for Good helps older adults remain in their homes by providing basic home repairs at no cost. To qualify, seniors must live within the 465 loop and have an income of no more than $22,590.
AmeriCorps Seniors RSVP317-261-3378RSVP provides volunteer opportunities to Indianapolis individuals aged 55 and over. This includes in-person and virtual opportunities, and it doesn’t require special education or specific skills.
Dementia Friends Indiana317-254-5465Dementia Friends Indiana operates memory cafes and educational sessions for seniors and families affected by memory-related conditions. It collaborates with the Area Agency on Aging to provide resources and support for family caregivers.
Indiana Housing and Community Development Authority800-872-0371This state-run agency operates a variety of programs for older homeowners in Indianapolis, including Ramp Up Indiana, rental assistance programs and the Rental Housing Tax Credit program. It also publishes information on renters’ rights, and it administers the Indiana Energy Assistance Program.
Social Security Administration800-772-1213 or 800-325-0778 (TTY)The Social Security Administration operates a field office in Indianapolis where seniors can apply for Social Security, Medicare and Supplemental Security Income. The organization publishes information on identifying and reporting scams, and it has an online portal that lets seniors access personalized online services.
Indy Free Tax Prep317-923-1466Indy Free Tax Prep, a service of United Way of Central Indiana, offers free tax preparation for households earning up to $66,000. This program helps seniors maximize their deductions and exemptions, ensuring they keep more of their income for assisted living and other essential expenses.
Indianapolis VA Regional Office800-698-2411The VA regional office helps veterans in assisted living access benefits such as Aid and Attendance pension enhancements. It also provides benefits counseling, application assistance and connections to health care services.
Indianapolis Vet Center317-423-1680The Indianapolis Vet Center supports veterans in assisted living through confidential, no-cost counseling services. It also provides referrals for community resources for veterans, including transportation, financial assistance and personal care.
Richard L. Roudebush VAMC317-554-0000The local VAMC has an emergency department and provides a full range of primary care services. It specializes in geriatrics and has doctors who treat conditions such as memory problems, sleep problems, falls and bone loss.

Benefits and Drawbacks of Assisted Living in Indianapolis

  • Indiana seniors pay state income taxes on nearly all their retirement income, including public and private pensions and withdrawals from retirement savings accounts. However, the state fully exempts Social Security benefits, helping seniors better afford assisted living services in Indianapolis.
  • With reports of about 11 violent crimes and 36 property-related offenses per 1,000 people annually, Indianapolis ranks among the least safe communities in the United States. Fortunately, the city’s assisted living facilities help ensure peace of mind through round-the-clock monitoring and security systems.
  • IndyGo operates a public bus service in Indianapolis, connecting assisted living residents to local shopping destinations, restaurants and medical facilities. Those aged 65 and over and those with disabilities qualify for the IndyGo Half Fare Card, and veterans qualify for free fixed route and rapid transit rides.
  • The AARP Livability Index gives Indianapolis a livability score of 53, putting the city in the top half of U.S. communities rated for senior living favorability. Factors that influence this score include the city’s numerous cultural amenities, high hospital patient satisfaction rating and ADA-accessible public transportation stations and vehicles.
  •  The cost of living in Indianapolis comes within about a percentage point of the national norm, putting assisted living costs in line with the U.S. median. Many facilities in this city accept Medicaid, expanding access to care for those with financial limitations.

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 Services and Amenities in Indianapolis

Assisted living facilities offer a maintenance-free lifestyle that balances independence with tailored care. From personalized service plans to signature dining programs, these facilities give residents the opportunity to relax, pursue their interests and build new friendships in a supportive, homelike environment. Residents and their families enjoy peace of mind knowing daily responsibilities are taken care of and a helping hand is always close by. Some of the most common services and amenities in assisted living include:

  • On-Site Laundry Facilities: Many assisted living centers have on-site laundry machines or washer and dryer hookups in apartments, letting residents skip the trip to the laundromat.
  • Restaurant-Style Dining: Menu dining with table service offers a convenient and personalized mealtime experience.
  • Fitness Programs: Weekly instructor-led classes promote residents’ confidence in their balance and mobility.
  • Recreational Activities: Table games, book clubs, ice cream socials and movie afternoons add excitement to every day.
  • Landscaped Outdoor Spaces: Courtyards, resident-maintained gardens and walking paths offer opportunities to enjoy fresh air.
  • Private and Semi-Private Apartments: Single-occupancy and shared apartments offer peaceful retreats.

To get more details on the types of services and amenities available or receive personalized guidance in comparing long-term care options, connect with a Caring.com Family Advisor today.

Frequently Asked Questions about Assisted Living in Indianapolis:

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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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