The 3 Best Assisted Living Facilities in Michigan City, IN for 2024

Situated on the shores of Lake Michigan, Michigan City is home to 31,792 residents, of which more than 5,530 are adults aged 65 and older. The city’s lakeside location offers plenty of outdoor activities during the warm summer months, from relaxing on the beach and bird-watching to boat tours and fishing. Away from the water, Michigan City features all the amenities of a mid-sized municipality, including art galleries, parks, shopping and entertainment venues, and hosts events, concerts and festivals throughout the year.

Older adults needing some help with bathing, dressing and other daily tasks may benefit from assisted living. Accommodations typically range from semi-private rooms to two-bedroom apartments, and residents receive 24-hour assistance, three meals daily and access to communal areas and organized activities. Michigan City’s assisted living facilities charge an average of $3,617 per month, significantly less than both the Indiana and U.S. norms.

This guide considers the benefits and drawbacks of retiring in Michigan City. It discusses the cost of assisted living, comparing it to other senior care options, and provides information about financial programs and local resources that support older adults.

Indiana's Family and Social Services Agency (FSSA) Division of Aging licenses and oversees assisted living communities. It ensures all long-term residential care facilities conform to state laws and regulations to meet minimum standards of care. The agency also acts as a long-term care ombudsman and supplies seniors with the information they require to plan for the future.

 

• Michigan City could be an affordable home for retirees with its low cost of living, which is 13% below the national norm. In addition to lower-than-average assisted living rates, seniors can save on everyday expenses such as transportation, housing and health care.

 

• Lower than the U.S. average of 210, Michigan City’s ratio of physicians to inhabitants is 139 to 100,000 people. However, the health care needs of seniors are well-served by several medical facilities operated by Franciscan Health, including its Michigan City Hospital and the specialized Woodland Cancer Care Center.

 

• Michigan City Transit runs the public bus transportation service, for which seniors aged 60+ receive discounted fares. Disabled seniors can also use the on-demand Paratransit service to request door-to-door journeys in wheelchair-accessible vehicles.

 

• Older adults in Michigan City pay income tax on all retirement income, with private and public pensions taxed at a rate of 3.15% during 2023. However, Social Security Income is not subject to taxation in Indiana, which could benefit low-income seniors.

 

• Michigan City residents reported 135 violent crimes during 2022, the equivalent of 421 per 100,000, 13.7% higher than the national median of 370. Seniors are also 89% more likely to become victims of property crime than elsewhere in the country. However, older adults living in assisted living can rest easy, as these communities employ additional security measures to ensure the safety of residents, such as video surveillance, electronic access control and 24-hour personnel.

 

• Michigan City experiences comfortable, warm summers, with temperatures averaging 76 degrees. Winters are cold, with lows of 18 degrees Fahrenheit and around 47 inches of snow, 67.8% more than the national norm. Assisted living communities typically feature communal lounges, where residents can gather with friends for games and socializing, and host regular indoor events and entertainment during cold-weather months.

 

Seniors in Michigan City spend an average of $3,617 monthly to live in an assisted living community.

With assisted living costing $3,617, Michigan City is a budget-friendly retirement option for seniors. Rates are $666 below the Indiana average and 19.6% less than the national median. However, older adults can find more affordable residential care in nearby cities, such as South Bend, where rates are 8.5% lower, and Fort Wayne, where seniors can save $132. Monthly fees are higher elsewhere, with Elkhart retirees facing a 17.5% increase and facilities in Lafayette charging $5,255, 45% more than communities in Michigan City.

At $3,617, assisted living is the cheapest type of senior care in Michigan City. Rates increase by 133.7% for seniors requiring the 24-hour medical care and monitoring provided by nursing homes. Retirees living in their own homes can employ the services of a home care agency to assist with personal care and housekeeping for an additional $2,008 per month. This rate is the same for home-based seniors who also require the basic medical services of a home health care provider, such as medication management or wound care.

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.