10 Best Assisted Living Facilities in Frederick, MD for 2023

Frederick is a scenic and historic city in the western part of Maryland. It’s home to the National Museum of Civil War Medicine, as well as the Gambrill State Park. The city has a population of 72,244, of which around 9,400 are senior citizens. The rich arts and culture scene and relatively low unemployment make Frederick a popular place to live for people of all ages, and the warm weather means it’s a popular retirement spot.

Assisted living facilities offer support for older adults who are generally active and independent but would like some assistance with housekeeping, basic personal care, and other activities of daily living. These communities are a good choice for seniors who would struggle to live independently but who don’t require 24-hour nursing care. Seniors living in the Frederick area can expect to pay an average of $4,500 per month for assisted living care,  making Frederick $200 more expensive than the national average.

This guide looks at the cost of assisted living and other care types in Frederick and considers the benefits and drawbacks of choosing the city as a retirement destination. It also provides information about free local resources to help local seniors.

Assisted living facilities in Frederick are licensed by the Maryland Department of Health Office of Health Care Quality. Properties are inspected regularly and are issued licenses that specify the levels of care and supervision they can provide. All care providers must comply with strict rules and regulations.

• Frederick has joined the AARP’s Age-Friendly Network, which means the City of Frederick Parks and Recreation agency has made a commitment to offering age-friendly programs and services and making the community a good place for those of all ages to live.
• The cost of living in Frederick is slightly above the national average, but living in the city is more affordable than other parts of Maryland, with utilities, transportation and housing being cheaper than the state average.
• Retirees living in Maryland can take advantage of a number of tax benefits. The state does not tax social security benefits and there are some substantial exclusions on 401(k), 403(b) and other plans as well as pensions, giving financially savvy seniors several opportunities to save money.
• There are many programs running in the city to support seniors who wish to stay fit, active and engaged with their communities. The Active Adult Programs include day trips, events and workshops. The city also runs congregate nutrition programs and a Friendship Cafe to provide social opportunities for people of all ages.
• Crime rates in Frederick are similar to the rest of Maryland for both property and violent crime and above average for the United States. Seniors who reside in assisted living facilities with CCTV and secured grounds can rest easy knowing they and their property are protected by proactive staff.
• Frederick’s weather ranges from 25 degrees in the winter to 89 degrees in the summer. The area sees snowfall most years, and the average humidity is just over 70%. Frederick typically sees some form of precipitation 107 days per year, making the city a good choice for those who enjoy warm summers but don’t want excessive heat and like to see some cooler periods during the year.

The average cost of assisted living care in Frederick is $4,500 per month, according to the Genworth Financial Cost of Care Survey 2020. This compares favorably to the statewide average of $5,000, but is slightly higher than the national average of $4,300.

Assisted living in Frederick is more affordable than in other parts of Maryland. California is the most expensive city in the state for assisted living, with fees of $6,200 per month. Baltimore and Cumberland are also relatively expensive, at $5,000 and $4,665, respectively.

Assisted living offers room and board and support for seniors who need some help with the activities of daily living. Seniors who prefer to stay in their own homes may wish to consider homemaker services or home health care for similar monthly fees ($4,576). Adult day health care is another, more affordable option at $2,134 per month. Nursing home care is far more costly, due to the around-the-clock skilled care provided, with semiprivate rooms averaging $9,794 per month and private rooms costing an average of $10,342.

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 Maryland page.