Waterford is located in the heart of Oakland County, Michigan, in the northwestern corner of the Detroit metro. It has an estimated 73,000 residents, about 16% of whom are seniors. It may be an ideal option for those seeking affordability, a safe environment and easy access to health care.  

To support its aging population, the Waterford region is home to numerous assisted living facilities. These facilities balance comfort and privacy with personalized care services, promoting a worry-free lifestyle for older adults. According to the Genworth 2020 Cost of Care Survey, seniors in Waterford pay $4,750 per month for assisted living, which is high compared to state and national averages.  

This guide provides more information on senior care costs in Waterford, along with the benefits and drawbacks of living in this community and assisted living licensing information. It also provides free resources to help seniors make informed decisions regarding their care.  

Directory of Assisted Living Facilities in Waterford, MI

Canterbury on the Lake

5601 Hatchery Rd., Waterford, MI, 48329

Gross misconduct and utterly incompetent. The "doctor"’s actions were unfathomable and he shouldn’t be practicing medicine. The staff are rude and act as though doing their job is an inconvenience and … (read more)
Gross misconduct and utterly incompetent. The "doctor"’s actions were unfathomable and he shouldn’t be practicing medicine. The staff are rude and act as though doing their job is an inconvenience and … (read more)

Lockwood of Waterford

1407 Skipper Drive, Waterford, MI, 48327

My mother-in-law is in Lockwood of Waterford. It is very clean. The nursing staff and the medical team are very helpful. The administration is great to work with and address your needs. They have movi … (read more)
My mother-in-law is in Lockwood of Waterford. It is very clean. The nursing staff and the medical team are very helpful. The administration is great to work with and address your needs. They have movi … (read more)

Lourdes Senior Community – Mendelson Home

2450 Watkins Lake Rd, Waterford, MI, 48328

definitely the right choice for us/for mom.
definitely the right choice for us/for mom.

Waterford Oaks Senior Care, Inc

3385 Pontiac Lake Road, Waterford, MI, 48328

Hands down one of the best places I have come across. Good help is hard to find, but we have found it in Waterford Oaks. When it got too tough to keep our loved one in the home due to the extensive 24 … (read more)
Hands down one of the best places I have come across. Good help is hard to find, but we have found it in Waterford Oaks. When it got too tough to keep our loved one in the home due to the extensive 24 … (read more)

Caremore of Waterford Assisted Living

4353 W Walton Road, Waterford, MI, 48329

My mother is currently at Caremore of Waterford. She was in the hospital for a while, so she just went in there about two weeks ago. I came down, while we’re trying to find something financially that … (read more)
My mother is currently at Caremore of Waterford. She was in the hospital for a while, so she just went in there about two weeks ago. I came down, while we’re trying to find something financially that … (read more)

Magnolia by the Lakes

1701 Cass Lake Road, Keego Harbor, MI, 48320

Use extreme caution before placing a loved one in the Magnolia North Assisted Living unit. My mother died within 4 days of moving in (September 2021). We had continued problems with summoning assistan … (read more)
Use extreme caution before placing a loved one in the Magnolia North Assisted Living unit. My mother died within 4 days of moving in (September 2021). We had continued problems with summoning assistan … (read more)

2016

American House West Bloomfield

5859 W. Maple Rd., West Bloomfield, MI, 48322

My brother was at American House West Bloomfield. I like that the staff is attentive and I like that he can still use his VA benefits, like his care provider can still come there and we will still hav … (read more)
My brother was at American House West Bloomfield. I like that the staff is attentive and I like that he can still use his VA benefits, like his care provider can still come there and we will still hav … (read more)

2022

Sunrise of West Bloomfield

7005 Pontiac Trail, West Bloomfield, MI, 48323

Sunrise of West Bloomfield was very clean. There are a lot of open rooms and a lot of activities for the seniors. The staff seemed friendly and they had a lot of staff members helping the residents. T … (read more)
Sunrise of West Bloomfield was very clean. There are a lot of open rooms and a lot of activities for the seniors. The staff seemed friendly and they had a lot of staff members helping the residents. T … (read more)

Sunrise of Bloomfield

2080 South Telegraph Road, Bloomfield Hills, MI, 48302

I spent 2 months recuperating at Sunrise of Bloomfield. They have in house therapy services that helped me get back home. The staff was great. I would highly recommend them.
I spent 2 months recuperating at Sunrise of Bloomfield. They have in house therapy services that helped me get back home. The staff was great. I would highly recommend them.

The Pines of Clarkston

7550 Dixie Hwy, Clarkston, MI, 48346

The Pines of Clarkston seemed to be a very down-to-earth, very friendly, and very relaxed place. They had a lot of staff wandering around making sure residents were OK and directing them where they ne … (read more)
The Pines of Clarkston seemed to be a very down-to-earth, very friendly, and very relaxed place. They had a lot of staff wandering around making sure residents were OK and directing them where they ne … (read more)

Absolute Care II

6838 Edinborough Drive,, West Bloomfield, MI, 48322

I am gladly testifying to the most excellent patient care and treatment my father has ever received. All aspects of his living at this Absolute Care’s facility – from tending to his health and sani … (read more)
I am gladly testifying to the most excellent patient care and treatment my father has ever received. All aspects of his living at this Absolute Care’s facility – from tending to his health and sani … (read more)

The Avalon of Auburn Hills

3151 E Walton Boulevard, Auburn Hills, MI, 48326

<p>Welcome to The Avalon of Auburn Hills! If you’re looking for a community that understands and honors you as a unique individual, you’ve come to the right place. We understand you probably have … (read more)
<p>Welcome to The Avalon of Auburn Hills! If you’re looking for a community that understands and honors you as a unique individual, you’ve come to the right place. We understand you probably have … (read more)

Ahava Adult Foster Care

5670 Greer Road, West Bloomfield, MI, 48324

The owners and employees treat the residents as if they are family. It is very clean and has no medicinal smell. The food is made mostly from scratch and they adjust for each resident’s dietary needs. … (read more)
The owners and employees treat the residents as if they are family. It is very clean and has no medicinal smell. The food is made mostly from scratch and they adjust for each resident’s dietary needs. … (read more)

Provision Living at West Bloomfield

5475 W Maple Rd., West Bloomfield, MI, 48322

Provision Living at West Bloomfield was gorgeous. It was a two-year-old building, so everything was very new and very lovely. The people were more than amazing. I would love to go there myself, but I … (read more)
Provision Living at West Bloomfield was gorgeous. It was a two-year-old building, so everything was very new and very lovely. The people were more than amazing. I would love to go there myself, but I … (read more)


Pine Tree Place

5480 Parview Drive, Clarkston, MI, 48346

I enjoyed my visit to Pine Tree Place. They were very helpful, courteous, and very informative. They just seemed pretty authentic. The place looked clean. Lunch has just finished, so there weren’t man … (read more)
I enjoyed my visit to Pine Tree Place. They were very helpful, courteous, and very informative. They just seemed pretty authentic. The place looked clean. Lunch has just finished, so there weren’t man … (read more)

2013

Townehall Place of West Bloomfield

4460 Orchard Lake Rd., West Bloomfield, MI, 48323

I appreciate the communication and friendliness of everyone at this facility. Thank you Rich and Tashi for working so hard everyday to make all the wheels work together. I really appreciate all mem … (read more)
I appreciate the communication and friendliness of everyone at this facility. Thank you Rich and Tashi for working so hard everyday to make all the wheels work together. I really appreciate all mem … (read more)

The Avalon of Commerce Township

2500 Martin Parkway , Commerce Township, MI, 48390

<p>Welcome to The Avalon of Commerce Township! If you’re looking for a community that understands and honors you as a unique individual, you’ve come to the right place. We understand you probably … (read more)
<p>Welcome to The Avalon of Commerce Township! If you’re looking for a community that understands and honors you as a unique individual, you’ve come to the right place. We understand you probably … (read more)

The Neighborhoods of White Lake

10770 Elizabeth Lake Road, White Lake, MI, 48386

My father moved into The Neighborhoods of White Lake. It seems very good. He’s getting a lot of attention. The staff introduced themselves when we came in. He’s been there eight days or something like … (read more)
My father moved into The Neighborhoods of White Lake. It seems very good. He’s getting a lot of attention. The staff introduced themselves when we came in. He’s been there eight days or something like … (read more)

Ahava Senior Care

1825 Hiller Road, West Bloomfield, MI, 48324


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.

Paying for Assisted Living in Waterford

Seniors in Waterford pay approximately $4,750 per month for assisted living services. By comparison, monthly rates in Michigan as a whole average $4,200, and in the United States, the typical facility charges $4,300.  

The Cost of Assisted Living in Nearby Cities

With monthly fees at $4,750, the Waterford region is among the most expensive in Michigan for assisted living. Seniors seeking more affordable care options in southeastern Michigan may consider Flint, which has monthly rates of $3,669. Bay City is even more affordable at $3,000 per month. Waterford is affordable compared to Grand Rapids and Ann Arbor, where respective rates come in at $5,000 and $5,590.  

$4750

Waterford

$4200

Michigan

$4300

The United States

$3000

Bay City

$3669

Flint

$5000

Grand Rapids

$5590

Ann Arbor

The Cost of Other Types of Senior Care

Assisted living is the most affordable residential care option in Waterford with facilities charging approximately $4,750 for care. Seniors who need 24-hour care and medical monitoring may require nursing home level care, which costs $8,821 per month for shared rooms and $10,646 for private accommodations. Seniors who live at home may consider homemaker services, including companionship, personal care, meals and transportation for $4,767 per month. Home health aides provide these services along with some skilled nursing services for $4,957. Adult day health care is the cheapest option at $1,733 per month.  

$4767

Homemaker Services

$4957

Home Health Aide

$1733

Adult Day Health Care

$4750

Assisted Living Facility

$8821

Nursing Home Facility (semiprivate room)

$10646

Nursing Home Facility (private room)

Note: Care cost data for Waterford was not available, so data for the closest city, Detroit Area, was used instead. 

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.

Paying for Assisted Living Facilities in Michigan

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.

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.  

Resource 

Contact

Service 

(800) 852-7795 

The 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.

(248) 682-9450 

The 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.

(248) 858-0785 

The 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.

(866) 400-9164 

Elder 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.

(866) 485-9393

The 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.

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 Assisted Living in Michigan page for more information about these laws.

Assisted Living Laws and Regulations in Michigan