3 Assisted Living Facilities in Spirit Lake, IA
The average cost of assisted living in Spirit Lake is $2,700 per month. This is lower than the national median of $3,420.
To help you with your search, browse the 9 reviews below for assisted living facilities in Spirit Lake. On average, consumers rate assisted living in Spirit Lake 4.9 out of 5 stars. Better rated regions include Worthington with an average rating of 5.0 out of 5 stars.
Caring.com has helped thousands of families find high-quality senior care. To speak with one of our Family Advisors about assisted living options and costs in Spirit Lake, call (855) 863-8283.
What to Consider About Assisted Living in Spirit Lake
People of all ages may be drawn in by the beauty of Spirit Lake, a small, dynamic town that sits at the center of Iowa's Great Lakes. Seniors who choose to live here will be in good company, as around one-fifth of Spirit Lake's 5,000 townspeople is 65 years of age or older.
For those seniors who are considering moving into assisted living, there are two facilities to choose from in Spirit Lake. Officially, they are licensed by the state of Iowa Health Facilities Division as either Assisted Living Programs or Residential Care Facilities.
Benefits and Drawbacks of Assisted Living in Spirit Lake
- The Spirit Lake area is home to world-class medical facilities, including Lakes Regional Healthcare, in the event of medical emergencies or illness.
- Assisted living may be more affordable for seniors in towns with a low cost of living, such as Spirit Lake, where the estimated overall cost of living is 3.2 percent below the U.S. average.
- Iowa's laws may allow seniors in Spirit Lake to keep more of their money at tax time. Social Security income is tax-free, and the Hawkeye state allows a deduction on other kinds of retirement income.
- For seniors who are outdoor enthusiasts, Spirit Lake offers golf courses, parks and recreation trails. The city's downtown, meanwhile, bustles with art galleries, restaurants, shopping centers and other attractions, including the Dickinson County Museum, any of which could provide seniors with an enjoyable outing from an assisted living facility.
- Relative to the rest of the country, Spring Lake's air is cleaner than average. On a scale of one to 100, where 100 is best, Spirit Lake's air quality is 85, compared to the national average of only 58.
- In Spirit Lake, there is a combined property and violent crime rate of 24.53 per 1,000 residents, which is higher than national and state averages. Seniors may want to ask prospective assisted living communities what steps they take to deter crime and keep residents safe.
Paying for Assisted Living in Spirit Lake
Average Monthly Costs
Cities in Iowa
Assisted Living costs in Spirit Lake start around $2,700 per month on average, while the nationwide average cost of assisted living is $4,000 per month, according to the latest figures from Genworth’s Cost of Care Survey.
It’s important to note that assisted living rates in Spirit Lake and the surrounding suburbs can vary widely based on factors such as location, the level of care needed, apartment size and the types of amenities offered at each community.
Financial Assistance for Assisted Living in Spirit Lake
For many seniors, the biggest barrier to assisted living is the price. The good news for seniors living in Spirit Lake is that there is help available through Iowa's Medicaid Home- and Community-Based Services Elderly Waiver, which pays for assisted living services for eligible seniors. Iowa also offers an optional state supplement, which is available to qualifying residents of residential care facilities only.
Learn more about these programs, plus who’s eligible, on our Assisted Living in Iowa page.
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 Iowa page.
Free Assisted Living Resources in Spirit Lake
Spirit Lake and the surrounding area are home to numerous government agencies and non-profit organizations offering help for seniors searching for or currently residing in an assisted living community. These organizations can also provide assistance in a number of other eldercare services such as geriatric care management, elder law advice, estate planning, finding home care and health and wellness programs.
To see a list of free assisted living resources in Spirit Lake, please visit our Assisted Living in Iowa page.
Assisted Living Laws and Regulations in Spirit Lake
Spirit Lake-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Iowa are required to follow. Visit our Assisted Living in Iowa page for more information about these laws.
Recent Reviews of Assisted Living in Spirit Lake
Review of Keelson Harbour Senior Living
I toured the memory care area of Vista Prairie at Keelson Harbour and I was very impressed with it. They let me see almost every room, and the people that move in bring in their own furniture and f... Read more
Review of Welcov Assisted Living of Spirit Lake
The best thing about living here is the tender loving care given to all residents. When I need help, someone is always available. I feel safe and loved. The people living here are friendly. It's home. Read more
Review of Welcov Assisted Living of Spirit Lake
Welcov is a super assisted living home where I have been for almost six months. The helpers are kind and efficient people who are friendly to all residents and helpful. The food is delicious. The a... Read more