Warsaw is the county seat of Kosciusko County, sitting midway between South Bend and Fort Wayne. According to the U.S. Census Bureau’s 2019 estimates, 13.3% of its 15,150 population is in the 65+ age group. Some of the city’s appeal for seniors is its favorable cost of living and local attractions, including the artisan market and numerous parks.

A consequence of age for some is difficulty doing everyday tasks, such as housekeeping. Assisted living communities are for seniors who need help with some tasks while retaining their independence in everything else. The cost of each facility is unique, varying between states and the cities within them. The 2020 Genworth Cost of Care Survey reveals that in Warsaw, the average cost is $3,223 per month, significantly below the state average of $4,382 and the national average of $4,300. 

This guide covers the costs of various types of senior care in Warsaw. It also discusses the city’s pros and cons and lists some of the resources open to families considering assisted living in the community.

Directory of Assisted Living Facilities in Warsaw, IN

Lake City Place

425 Chinworth Court, Warsaw, IN, 46580

Lake City Place was recommended, and I was impressed that it was very clean and the people were very nice. We had to move my mother kinda fast, and they were very accommodating. I am extremely impress … (read more)
Lake City Place was recommended, and I was impressed that it was very clean and the people were very nice. We had to move my mother kinda fast, and they were very accommodating. I am extremely impress … (read more)

Miller’s Senior Living Community

1634 S County Farm Rd, Warsaw, IN, 46580


Paddock Springs

2695 Shelden St, Warsaw, IN, 46580


What to Consider About Assisted Living in Warsaw

Assisted living facilities in Indiana must be registered with the Indiana Department of Health, which oversees all aspects of their management. Some of its authority is delegated to other agencies that operate at county and city levels, such as Real Services Inc., a nonprofit organization that provides Long-term Care Ombudsman services in Kosciusko County.

Benefits and Drawbacks of Assisted Living in Warsaw

  • There are several options for seniors in Warsaw to get transportation to important appointments, including medical visits. Kosciusko Senior Services can provide wheelchair-accessible vehicles with staff able to assist seniors from their homes to vehicles and back. Donations of $3 and $4 are expected, dependent on the length of the journey. REAL Services is a nonprofit organization funded by the state and federal governments that helps ambulatory seniors get to important appointments. There is no cost to the senior, although the vehicles are not wheelchair-accessible.
  • According to data published by Sperling’s Best Places, Warsaw has a cost of living index of 79.7, which is significantly below the national average of 100. Essentially, this means that the city is more affordable than the majority of American cities. In some categories, such as buying groceries and paying utility bills, it is closer to typical costs. However, in others, such as transportation, housing, and health care, Warsaw’s costs are much lower than average.
  • Despite being a small city, Warsaw boasts Parkview Warsaw, which provides a host of physician services for all age groups. There’s also Kosciusko Community Hospital, which specializes in many forms of care, including cancer treatment and orthopedics. Additionally, Warsaw is less than an hour’s journey from South Bend in the north and Fort Wayne to the south, ensuring its seniors are never far from high-quality medical facilities.
  • Many factors can influence the average health of a city, including the quality of its air and water, in addition to health concerns associated with contaminated land. Using 100 as the best, Warsaw’s air quality is 70, which is better than the U.S. average of 58. Its water quality is 60, compared to the national average of 55. However, the Superfund index, which concerns cleaning up contaminated land, stands at 68. The U.S. average is 87.
  • As with other locations in this part of the country, Warsaw can experience harsh winters. In January, it can get as cold as 17 degrees. However, regular highs of 82 degrees bring much more comfortable days in the summer months.

Paying for Assisted Living in Warsaw

Although the average for Indiana is $4,382, which is slightly higher than the $4,300 national average, each city’s costs may vary based on location, amenities, and programming.

The Cost of Assisted Living in Nearby Cities

Families looking for competitive assisted living costs in northern Indiana should consider Warsaw, where the cost of $3,223 per month is the most affordable in the region. Its nearest rival is Fort Wayne at $3,503. Other locations are significantly more expensive. In Michigan City, costs of $4,585 are normal, while seniors in South Bend can expect fees of around $4,819. Over in Michigan, costs are a little lower. However, in Niles, the $4,003 fees are still $780 per month more than Warsaw’s fees.

$3223

Warsaw

$4382

Indiana

$4300

The United States

$4819

South Bend

$4585

Michigan City

$3503

Fort Wayne

$4003

Niles, MI

The Cost of Other Types of Senior Care

Assisted living’s costs of $3,223 aren’t the most expensive in Warsaw. If a nursing home is the best solution, a semiprivate room will cost approximately $7,361, while a private room is $9,003. Homebound seniors can get home care for around $4,839, while those who need medical assistance at home can expect fees of around $5,005. However, if the senior can attend an adult day care center, $3,467 per month is the average.

$4839

Home care

$5005

Home health care

$3467

Adult day health care

$3223

Assisted living

$7361

Nursing home (semiprivate room)

$9003

Nursing home (private room)

Financial Assistance for Assisted Living in Warsaw

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 for Assisted Living in Warsaw

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 Warsaw

The following are some examples of free resources that may be available to seniors and families in Warsaw looking for guidance and financial help with assisted living.

ResourceContactService
VA Aid and Attendance Benefits(260) 421-1046U.S. military veterans residing in assisted living facilities may be able to get the VA Aid and Attendance benefit. It’s a monthly payment included in the VA pension that can contribute towards assisted living costs. Maximum payments are $1,881. Spouses are also eligible. Payments peak at $1,209 per month for a surviving spouse and $2,230 for a couple. VeteranAid.org provides a useful online tool to help seniors determine their eligibility.
Senior Activity Center(574) 267-2012The center is operated by REAL Services, a nonprofit organization dedicated to serving seniors in Kosciusko and neighboring counties. There are an array of activities for seniors, such as a gym, exercises for people with restricted mobility, movie days and card games. For a small donation, the center also serves nutritious lunches on weekdays, which it also arranges to deliver to homebound seniors.
Long-Term Care Ombudsman(800) 552-7928Residents in licensed senior living communities, including assisted living, can contact the ombudsman if they have a complaint about their community. The ombudsman will investigate the complaint and pursue a resolution. Complaints can be of any nature, such as issues with staff members or concerns about being forcibly transferred. Families of seniors in assisted living facilities and third parties can also register complaints.
State Health Insurance Assistance Program (SHIP)(800) 452-4800SHIP counselors provide information to Medicare beneficiaries and seniors who have not yet enrolled in a plan. Their work is unbiased, including when they provide information about private health care plans that may be beneficial to seniors. The counselors can also help people understand their Medicare plans, guide them if they need to make appeals and refer them to other agencies who can provide additional help.
Medicaid – Aged and Disability Waiver(800) 552-7928In some cases, Medicaid can pay for assisted living in Warsaw and other cities in Indiana. To be eligible, the senior must need nursing facility care, have an income no greater than 300% of the maximum Supplemental Security Income (SSI) amount and already reside in an approved assisted living community (or be guaranteed a placement). To apply for the waiver, it’s necessary for seniors to already have successfully applied for Medicaid.

Assisted Living Laws and Regulations in Warsaw

Warsaw-area 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 Warsaw