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Assisted Living Communities in Waterford, Michigan

Located in the heart of Oakland County, Waterford sits about 30 miles outside Detroit in a region where prospective assisted living residents choose from 55 facilities. In 2024, the median rate for assisted living in this region comes in near $5,949 per month, which outpaces the state median by about $900 and the national norm by roughly $600.

This guide includes 17...

reviews of assisted living communities in Waterford, which earn an average score of 4.3 out of 5 stars stars.

Directory of Assisted Living in Waterford, MI

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The Cost of Assisted Living in Nearby Cities

The 2024 Genworth Cost of Care Survey puts assisted living costs in Waterford at around $5,949 monthly, surpassing the state median by about $900. While monthly fees in Ann Arbor track higher at approximately $6,500, other nearby cities charge more economical fees. For example, in Flint, facilities charge roughly $4,250, and in Monroe, seniors pay around $3,850.

Waterford

$5,949

Michigan

$5,050

United States

$5,350

Flint

$4,250

Lansing

$5,500

Ann Arbor

$6,500

Monroe

$3,850

Paying for Assisted Living in Waterford

Financial Assistance for Assisted Living in Waterford

Michigan provides personal care services through the Medicaid State Plan, which covers homes for the aged. It also provides an optional state supplement for supplemental security income recipients who reside in a home for the aged that limits room and board charges.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Michigan 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 Michigan page.

The Cost of Other Types of Senior Care

Waterford’s assisted living communities set monthly fees for care at around $5,949. By comparison, seniors who arrange private in-home care pay about $150 more, and home health care agencies charge approximately $6,292. Nursing home rates run considerably higher at around $10,798, making assisted living a financially favorable option compared to institutionalized care.

In-Home Care

$6,101

Home Health Care

$6,292

Assisted Living Facility

$5,949

Nursing Home Facility (semi-private room)

$10,798

Note: Since data for Waterford is unavailable, we used data for the nearest city, Detroit, instead.

Free Assisted Living Resources in Waterford

The Waterford region is home to several programs and agencies that serve older adults. Through the following resources, seniors can get one-on-one options counseling, legal and advocacy services, veterans benefits and social and recreational opportunities.  

ResourceContactService
Area Agency on Aging 1-B(800) 852-7795The Area Agency on Aging administers a range of programs to complement the services seniors receive in assisted living, including nutrition counseling, non-emergency medical transportation and information and referrals for community-based services. The agency also has health insurance options counselors who help Medicare beneficiaries understand their coverage and compare Medigap and Medicare Advantage plans, prescription drug coverage and long-term care insurance.
Waterford Senior Center(248) 682-9450The Waterford Senior Center is a division of the Waterford School District. It works closely with senior-centered nonprofit agencies to provide social and recreational services to community residents aged 62 and over. The center provides complimentary Gold Cards to members, which admits them and a guest to all home athletic games, plays and concerts. The center is open on weekdays from 8:30 a.m. to 4 p.m.
Oakland County Veterans’ Services(248) 858-0785The county’s Veterans’ Services Office is located in Pontiac, about eight miles south of Waterford. This office helps veterans and their families obtain the services and benefits they’re entitled to, including emergency financial assistance, transportation and health insurance. The office can screen veterans for eligibility for programs that can cover assisted living, such as Aid and Attendance, disability compensation and pensions.
Elder Law of Michigan, Inc. (866) 400-9164Elder Law of Michigan is a statewide nonprofit organization that specializes in civil legal issues that affect seniors. It's staffed with experienced legal professionals who advocate on behalf of and represent older adults in issues such as Social Security overpayment, denied Medicare claims and consumer debt collection practices. The office can also help seniors understand assisted living contracts and navigate problems with intake and discharge procedures.
Michigan Long-Term Care Ombudsman Program(866) 485-9393The state’s Long-Term Care Ombudsman Program has local volunteers who visit assisted living facilities to ensure residents understand their rights and facilities comply with state-mandated guidelines. The ombudsman can also mediate interpersonal disagreements and resolve issues related to quality of care.

What to Consider About Assisted Living in Waterford

In Waterford, as in all of Michigan, assisted living facilities are licensed as homes for the aged. These facilities are regulated by the Department of Licensing & Regulatory Affairs, Bureau of Community & Health Systems. This governing body fields and investigates complaints regarding residential care facilities and has an extensive licensing process to ensure a high standard of care. 

Benefits and Drawbacks of Assisted Living in Waterford

  • The Western Oakland Transportation Authority provides door-to-door demand-response transportation services to Waterford residents aged 55 and over. It has 12 lift-equipped vehicles and operates on weekdays from 8 a.m. to 4 p.m. All riders, including escorts and companions, are required to register with WOTA before scheduling a ride. 
  • Waterford’s cost of living is high compared to Michigan as a whole, but overall, residents spend about 3% less on living expenses here than in the typical U.S. city. Housing costs are higher here than in most of Michigan, which may make assisted living a more financially feasible option for those with limited incomes.  
  • Michigan seniors don’t pay state income taxes on Social Security benefits. While other types of retirement income are taxed, older adults can claim large deductions to bring down their taxes. Property taxes are high but may be avoided by transitioning to assisted living.  
  • Violent crime occurs at a rate of 185 incidents per 100,000 people in Waterford compared to the national frequency of 379 and the state average of 437, which may provide peace of mind for retirees. Property crime is more common with a rate of 884 incidents, but the rate has been trending downward for the past 20 years. 
  • Waterford has some of the most pleasant weather in Michigan, rating 6.8 on a 10-point comfort index versus the state score of 6.5. The winter months are very cold with lows in the mid-teens and 33 inches of snowfall, but summers are comfortable with July highs in the low-80s. 
  • With high access to health care and affordable services, Waterford may be a good option for older adults managing chronic conditions. The region has about 454 physicians per 100,000 people, more than double the national rate of 210. Health care costs such as dentist visits, inpatient hospital care and doctor’s office visits are about 17% below the national median. There are no hospitals in Waterford proper, but there are three hospitals located within a 10-mile radius, including Saint Joseph Mercy Oakland HospitalMcLaren Oakland Hospital and Pontiac General Hospital.

Assisted Living Laws and Regulations in Waterford

Waterford-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Michigan are required to follow. Visit our 

Reviews of Communities Nearby

Assisted Living

Tina1

I am a friend or relative of a current/past resident

Review of Canterbury on the Lake

I've been calling since 2pm on 9/18 and no matter what number I call no one is answering

Read more

Assisted Living

Deb

I am a friend or relative of a current/past resident

Review of Lourdes Senior Community - Mendelson Home

Mendelson Home is where our mother resides and has been there for over 2 years now. The RN’s, CNA’s and Caregivers are exceptional. The constant open communication about the well being of my...

Read more

Assisted Living

Reviewer#RD1014c

I visited this facility

Review of Canterbury on the Lake

I toured here. The tour was very good. The staff was very nice. The facility was very nice. The décor is themed towards about 1800s Victorian Era England. That was the only facility I visited that...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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