With close to 31,000 seniors ages 65 and older, Chattanooga is a popular place for seniors to retire in the area. The city lies close to the Georgia border in the south-central part of the state of Tennessee. Seniors can enjoy beautiful views of the Appalachian Mountains and a quiet family-friendly atmosphere with big-city amenities and plenty of things to see and do. Chattanooga has excellent weather, a low cost of living and excellent healthcare.

To accommodate these seniors, Chattanooga has 19 assisted living communities within the city limits and 12 nearby. These residential communities create a custom-level of care dependent on individuals needs. The average monthly cost is around $4,220, but the exact cost can vary depending on the size of the community and the exact types of care that are provided. This guide includes the cost of care in other cities as well as a comparison of state and national facilities. There’s also a list of resources to help seniors address a variety of needs.

Directory of Assisted Living Facilities in Chattanooga, TN

The Terrace at Mountain Creek

1005 Mountain Creek Rd, Chattanooga, TN, 37405

I have never seen such an in organized team of “caregivers”. The staff does not communicate with family members, does not follow through on physician orders in a timely manner resulting in poor m … (read more)
I have never seen such an in organized team of “caregivers”. The staff does not communicate with family members, does not follow through on physician orders in a timely manner resulting in poor m … (read more)

2022

Southern Oaks Assisted Living

7230 Lee Highway, Chattanooga, TN, 37421

Southern Oaks Assisted Living located near Eastridge is a facility that boasts cleanliness and security. The doors are equipped with locks to keep residents safe at all times. Relatives like that the … (read more)
Southern Oaks Assisted Living located near Eastridge is a facility that boasts cleanliness and security. The doors are equipped with locks to keep residents safe at all times. Relatives like that the … (read more)

American House Shallowford

7127 Lee Highway, Chattanooga, TN, 37421

American House Shallowford is located in Chattanooga, Tennessee. Residents enjoy the wide range of activities offered, which include regular group outings. The dining experience at the facility receiv … (read more)
American House Shallowford is located in Chattanooga, Tennessee. Residents enjoy the wide range of activities offered, which include regular group outings. The dining experience at the facility receiv … (read more)

2018

StoryPoint Chattanooga

1148 Mountain Creek Road, Chattanooga, TN, 37405

With its prime location in Chattanooga, Tennessee, Manorhouse Assisted Living offers a myriad of amenities for residents and their loved ones. The staff is both courteous and respectful and does an ex … (read more)
With its prime location in Chattanooga, Tennessee, Manorhouse Assisted Living offers a myriad of amenities for residents and their loved ones. The staff is both courteous and respectful and does an ex … (read more)

American House Hamilton Place

1502 Gunbarrel Road, Chattanooga, TN, 37421

American House Hamilton Place is located in historic Chattanooga, Tennessee, it’s close to various Civil War sites, Rock City Park, Ruby Falls and the Tennessee Aquarium. This facility is an assisted … (read more)
American House Hamilton Place is located in historic Chattanooga, Tennessee, it’s close to various Civil War sites, Rock City Park, Ruby Falls and the Tennessee Aquarium. This facility is an assisted … (read more)

Morning Pointe of Chattanooga at Shallowford

7719 Shallowford Rd, Chattanooga, TN, 37421

Morning Pointe of Chattanooga at Shallowford is a beautiful new facility in Chattanooga near shopping, churches and Interstate Highway 75. Visitors and relatives are impressed with the friendliness, p … (read more)
Morning Pointe of Chattanooga at Shallowford is a beautiful new facility in Chattanooga near shopping, churches and Interstate Highway 75. Visitors and relatives are impressed with the friendliness, p … (read more)

Hickory Valley

6705 Ballard Drive, Chattanooga, TN, 37421

Hickory Valley is conveniently located in eastern Chattanooga, less than three miles from the airport and surrounded by numerous shopping and dining options. The facility offers both assisted and inde … (read more)
Hickory Valley is conveniently located in eastern Chattanooga, less than three miles from the airport and surrounded by numerous shopping and dining options. The facility offers both assisted and inde … (read more)

Nhc Healthcare, Chattanooga

2700 Parkwood Avenue, Chattanooga, TN, 37404


Martin Boyd Christian Home

6845 Standifer Gap Road, Chattanooga, TN, 37421


The Health Care Center at Standifer Place

2626 WALKER ROAD, Chattanooga, TN, 37421

The Health Center at Stanfifer Place is located near Collegedale. Family members like the large dining room and delicious home-cooked meals offered at the community, which also allows them to share me … (read more)
The Health Center at Stanfifer Place is located near Collegedale. Family members like the large dining room and delicious home-cooked meals offered at the community, which also allows them to share me … (read more)

Summit View

825 RUNYAN DRIVE, Chattanooga, TN, 37405

My grandmother was a resident there for several years and they did a great job with her care. Unfortunately, the entire experience was marred after her death. They demanded I pay for a full month of … (read more)
My grandmother was a resident there for several years and they did a great job with her care. Unfortunately, the entire experience was marred after her death. They demanded I pay for a full month of … (read more)

Life Care Center of Red Bank

1020 Runyan Drive, Chattanooga, TN, 37405

this place is the worst place I’ve ever seen.my mother went there for a short. Of time they had her on some kind of drugs that kept her sleep.after confronting them several times I never did find out … (read more)
this place is the worst place I’ve ever seen.my mother went there for a short. Of time they had her on some kind of drugs that kept her sleep.after confronting them several times I never did find out … (read more)

Majestic Manor and Eagle Crest Assisted Living

8248 Standifer Gap Rd, Chattanooga, TN, 37421

The staff was extremely personable and helpful in assisting my great aunt after she had a stroke. She had to be bathed, fed, and dressed every day. The meals that were served to her were above average … (read more)
The staff was extremely personable and helpful in assisting my great aunt after she had a stroke. She had to be bathed, fed, and dressed every day. The meals that were served to her were above average … (read more)

Ascension Living Valley Residence

1164 Mountain Creek Road, Chattanooga, TN, 37405

Ascension Living Valley Residence (formerly Alexian Brothers Tennessee Memory Care) is for more advanced memory care. You’re not allowed out. All the doors leading to the very front of the premises ca … (read more)
Ascension Living Valley Residence (formerly Alexian Brothers Tennessee Memory Care) is for more advanced memory care. You’re not allowed out. All the doors leading to the very front of the premises ca … (read more)

Life Care Center of East Ridge

1500 Fincher Avenue, Chattanooga, TN, 37412

I think they spent all the money on furnishings and pretty fountains, etc. to up the occupancy. They are totally unorganized and desperately understaffed. Professionalism is nonexistent. I am leavin … (read more)
I think they spent all the money on furnishings and pretty fountains, etc. to up the occupancy. They are totally unorganized and desperately understaffed. Professionalism is nonexistent. I am leavin … (read more)

Rose of Sharon’s Senior Villa

5410 LEE AVENUE, Chattanooga, TN, 37404

Centrally located in Chattanooga, TN, Rose of Sharon’s Senior Villa is an Assisted Living facility with a family-oriented atmosphere. Residents adore the courteous, caring and amenable staff. The staf … (read more)
Centrally located in Chattanooga, TN, Rose of Sharon’s Senior Villa is an Assisted Living facility with a family-oriented atmosphere. Residents adore the courteous, caring and amenable staff. The staf … (read more)

Davis Retirement Home

1106 DUNCAN AVE., Chattanooga, TN, 37404


Life Care at Home of Tennessee

7625 Hamilton Park Drive Suite 16, Chattanooga, TN, 37421


Senior Saints Home

704 Belvoir Ave, Chattanooga, TN, 37412


2013, 2015, 2016

Brookdale Hixson

4515 Hixson Pike, Hixson, TN, 37343

I had an in-person tour of Brookdale Hixson. Mainly the staff and Shannon, who was the director there, she was great. The amenities were nice, and what we saw was nice. It was just mom needed more tha … (read more)
I had an in-person tour of Brookdale Hixson. Mainly the staff and Shannon, who was the director there, she was great. The amenities were nice, and what we saw was nice. It was just mom needed more tha … (read more)

COVID-19 Rules for Assisted Living in Chattanooga

Since most COVID-19 rules for Assisted Living Communities and other Senior Living Facilities are set at the state level, you can view the specific rules for your state on our Guide to Assisted Living in Tennessee. Keep in mind that every community has specific policies that they put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.

What to Consider About Assisted Living in Chattanooga

In Chattanooga, the Office of Health Care Facilities oversees the quality of care in assisted living communities. Items covered by the laws and regulations of this agency include room and board, non-medical living assistance services, skilled nursing and staffing.

Benefits and Drawbacks of Assisted Living in Chattanooga

  • Chattanooga has on average pleasant year-round weather with average summer highs around 89 degrees and winter lows around 29. The city only gets around 2 inches of snow per year, which can be ideal for seniors trying to escape the snowy northern states. With 207 sunny days per year, Chattanooga provides plenty of days for hiking, exercise and sightseeing.
  • Seniors on a fixed income may have an easier time budgeting expenses while living in Chattanooga, which has a cost of living that’s much lower than the national average and lower than the state average. Housing costs are 40% lower than the national average, but healthcare is just slightly more than the national average.
  • Crime rates are higher than the national average, but seniors living in the city can still feel safe with enhanced security measures that assisted living communities take.
  • CHI Memorial is listed as one of the top-rated hospitals in Chattanooga, according to U.S. News and World Reports. The hospital provides treatment for many conditions, including hearing loss, dementia, heart problems, cancer and diabetes.
  • Air quality health risk is slightly lower in Chattanooga than the national average. Seniors may find different times of the year better than others for exploring.

Paying for Assisted Living in Chattanooga

The average cost of assisted living in Chattanooga is $4,220 per month, which is more affordable than the national average of $4,500, according to the 2021 Genworth Cost of Care Survey. The cost is slightly more than the state average of $4,105. In other areas of the state, the cost of an assisted living community varies from $3,215 in Clarksville to $4,200 in Memphis. Seniors in Knoxville pay $397 less than those in Chattanooga, and those in Johnson City pay $120 less.

$4220

Chattanooga

$4105

Tennessee

$4500

The United States

$4200

Memphis

$3215

Clarksville

$3823

Knoxville

$4100

Johnson City

The Cost of Other Types of Senior Care

Other long-term care costs in Chattanooga range from $1,733 for adult day health care to $8,316 for a private room in a nursing home. Semiprivate rooms in nursing homes cost around $7,325. Nursing homes provide the most comprehensive care for those who aren’t hospitalized. Seniors who prefer to remain in their homes can choose homemaker services, which cost around $4,767 per month and include help with daily activities. A home health aide includes some medical care, including skill nursing. An assisted living community is $4,220.

$4767

Homemaker Services

$4744

Home Health Aide

$1733

Adult Day Health Care

$4220

Assisted Living Facility

$7325

Nursing Home Facility (semiprivate room)

$8316

Nursing Home Facility (private room)

Financial Assistance for Assisted Living in Chattanooga

Tennessee provides coverage for services at assisted living facilities through its Medicaid CHOICES waiver program. Room and board fees are not covered through this waiver, but they are capped at 80 percent of three times the current federal SSI benefit rate.

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

Paying for Assisted Living Facilities in Tennessee

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 Tennessee page.

Free Assisted Living Resources in Chattanooga

Seniors considering retiring in Chattanooga can receive help for a variety of needs. These free services are available from government agencies and nonprofit organizations who seek to improve the quality of life of older adults in the area. 

Resource

Contact

Service

(423) 424-4256

The Southeast Tennessee Area Agency on Aging and Disability helps older adults and those with disabilities live their lives to the fullest. Services include home delivered and congregate meals, transportation, health and fitness and family caregiver support.

(615) 253-5412

The Long-Term Care Ombudsman provides help for seniors living in assisted living, nursing homes and homes for the aged. They resolve questions and programs and serve as an advocate for qualified residents. Concerns include quality of care, finances, elder rights, transfers, discharges and admissions.

(423) 209-7884

The Veterans Service office helps prior military men and women file applications to receive benefits and compensation. Some of these benefits include disability, pensions, health benefits, burial benefits, locating discharge papers, insurance and vocational rehab. Veterans may also receive assistance applying for the Aid and Attendance Benefit, which provides reimbursements for the cost of personal care services.

(423) 855-9444

The Eastgate Senior Activity Center provides a safe place for older adults to gather during the day for fun and activities. These activities include board games, fitness classes, billiards, arts and crafts, a computer lab, book clubs and dancing. The center also schedules frequent outings into the community and provides meals and special events.

(423) 629-1473

CARTA provides reduced fare curb-to-curb services for seniors and those with disabilities. Rides are available for medical appointments, outings, shopping and errands. All rides must be scheduled at least 24 hours in advance, and all buses are wheelchair accessible.

Assisted Living Laws and Regulations in Chattanooga

Chattanooga Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Tennessee are required to follow. Visit our Assisted Living in Tennessee page for more information about these laws.

Assisted Living Laws and Regulations in Tennessee