What to Consider About Assisted Living in Frederick
Part of the Baltimore-Washington Metro Area, Fredrick is a home to scenic views of the Appalachian Mountains, wineries and breweries, historic battlefields, and the U.S. Army's Fort Detrick. Seniors will find much to do when venturing out of their assisted living community for the day.
Frederick has 11 assisted living facilities. The surrounding areas, including Mount Airy, Boonsboro and Hagerstown, contain 14 more. In Frederick and all of Maryland, assisted living facilities, range in size from small houses to large apartment complexes. The lowest level of care is for people who need only occasional assistance with activities such as dressing, while the highest level helps people who need frequent support and supervision to maintain their health and safety.
Benefits and Drawbacks of Assisted Living in Frederick
- Residents of Frederick experience distinct seasonal changes. The winter temperatures reach an average low of 25 degrees, and the area gets about 20 inches of snow per year. The average high temperature in July is 89 degrees, and the annual average humidity is 70 percent.
Living in Frederick costs more than the national average. Higher-cost goods and services include houses, transportation, groceries and utilities. The cost of health care is similar to state and national averages.
- The sales tax rate of 6 percent in Frederick is equal to the national average; however, the income tax rate is 3.1 percent higher.
Crime rates in Frederick are similar to the average rates for Maryland. The chance of property crime in Frederick is 1 in 48, while the chance in Maryland is 1 in 44. Both rates are below the national median. Violent crime is less common than property crime in Frederick, with odds at 1 in 197, but the rate is slightly higher than the Maryland average and national median.
- Senior citizens and Medicare card holders pay a reduced fare to use the public TransIT bus system and the Maryland Transit Administration routes.
- Frederick has an array of community resources for seniors, including drop-in fitness programs at multiple locations, the Friendship Cafe, which offers a low-cost lunch service to support local senior programs, health care speakers and workshops, day trips and an ongoing schedule of opportunities to socialize, play games and work on arts and crafts.
Paying for Assisted Living in Frederick
Average Monthly Costs
Cities in Maryland
Assisted Living costs in Frederick start around $4,202 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 Frederick 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 Frederick
Financial support for assisted living in Maryland may be available to seniors who meet the income and medical guidelines. The Home and Community-Based Options Waiver helps seniors with Medicaid to pay for services, and the Senior Assisted Living Group Home Subsidy covers some of the costs at participating facilities.
Learn more about these programs, plus who’s eligible, on our Assisted Living in Maryland 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 Maryland page.
Free Assisted Living Resources in Frederick
Frederick 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.
Assisted Living Laws and Regulations in Frederick
Frederick-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Maryland are required to follow. Visit our Assisted Living in Maryland page for more information about these laws.