Assisted Living Facilities in Cleveland, TN
Cleveland, which is the seat of and the largest city in Bradley County, is home to about 45,500 residents, including about 7,235 seniors aged 65 or older. Located in extreme southeast Tennessee, about 30 miles from Chattanooga, Cleveland is a small Southern town at the base of the Appalachian and Great Smoky Mountains. Besides beautiful mountains and the nearby Ocoee River, the Cherokee National Forest is also partially within Cleveland’s borders. The Forest offers 625,000 acres of natural beauty and lots of year-round outdoor activities for active seniors to enjoy.
Seniors can age in place in assisted living facilities, which provide room and board, personal care and some medical services. Residents enjoy the combination of continued independence and assistive care when necessary. The average cost of assisted living in Cleveland is $4,264, which makes it higher than the state average for assisted living but slightly less than the national average.
This guide provides aging adults with information about assisted living in Cleveland, including a list of free senior resources and comparisons of the average costs of other senior care options. It also compares Cleveland’s average assisted living cost with other Tennessee cities and offers some benefits and drawbacks of retiring in this area.
Directory of Assisted Living Facilities in Cleveland, TN
3500 Keith Street NW, Cleveland, TN, 37312
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What to Consider About Assisted Living in Cleveland
Assisted living facilities in Cleveland are regulated by the Tennessee Department of Health’s Board for Licensing Health Care Facilities. The Department performs an inspection before issuing licenses. It also makes unannounced inspections within 15 months of a facility’s previous inspection and at other intervals as needed.
Benefits and Drawbacks of Assisted Living in Cleveland
- The overall cost of living in Cleveland is more than 5% lower than the state average and 18% lower than the national average, making it a good place to stretch those retirement dollars. Specific areas with lower costs compared to the national average include 28% savings on transportation and 35% savings on housing.
- Retirees in Cleveland benefit from having a low overall tax burden. Kiplinger’s ranked Tennessee among the top 10 tax-friendly states for retirees in 2021. The state doesn’t charge any income tax, Social Security retirement benefits or other income received from retirement plans, such as pensions and 401(k) plans.
- Seniors in Cleveland may have a high sales tax burden, as Tennessee is one of four states with the second-highest statewide sales tax rate at 7%. However, the state doesn’t tax interest and dividends from investments, which attracts retirees who rely heavily on investment income. Tennessee also doesn’t tax income from wages, which benefits older adults who still work. Prescription drugs are tax-exempt, and groceries have a lower sales tax rate.
- Cleveland has a local hospital, which saves residents a trip to the nearest hospital in Chattanooga, about 24 miles away. Tennova Healthcare-Cleveland is a general medical and surgical facility with a medical surgical ICU and an on-site emergency room. It was rated high-performing in the treatment of COPD and has more than 220 providers practicing at the facility.
- Cleveland’s climate is considered continental with a strong subtropical influence. Summers are warm and humid, and winters are relatively mild but unpredictable. Cold air from the north can bring snow, but Cleveland only averages 2 inches per year compared to the state average of 28. The city does sometimes get freezing rain and ice storms, and it receives an above-average amount of annual rainfall.
Paying for Assisted Living in Cleveland
According to Genworth’s Cost of Care Survey, the average cost of assisted living in Cleveland is $4,264 per month. This amount is $225 higher than Tennessee’s overall average. While it’s lower than the national average, the difference is only $36 per month
The Cost of Assisted Living in Nearby Cities
Cleveland’s cost of assisted living is on the high side when compared to other Tennessee cities, but the amount is lower than some. Compared to Nashville and Knoxville, Cleveland’s average cost is higher by $544 and $364, respectively. Alternately, the average cost in Cleveland is lower than Memphis by $127, and it beats Chattanooga’s average by $251 per month.
The United States
The Cost of Other Types of Senior Care
Assisted living is but one type of senior care, and retirees may require more, or less, care than what’s provided in these facilities. For those needing less care, adult day health care runs an average of $1,733 per month in Cleveland. Depending on their needs, seniors may opt to receive care in their homes. Homemaker services run an average of $4,076 per month, while home health aides cost about $4,601. Seniors needing regular medical care and more personalized support may require nursing home care, which is the most expensive option. Nursing home facilities run about $6,844 per month for semiprivate rooms and $7,467 for private rooms.
Home Health Aide
Adult Day Health Care
Assisted Living Facility
Nursing Home Facility (semiprivate room)
Nursing Home Facility (private room)
Financial Assistance for Assisted Living in Cleveland
The TennCare CHOICES program, part of the Tennessee Medicaid program, can help qualified seniors pay for the cost of assisted living in Cleveland. Seniors must already be on Medicaid to qualify.
Learn more about these programs, plus who’s eligible, on our Assisted Living in Tennessee 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 Tennessee page.
Free Assisted Living Resources in Cleveland
Seniors in assisted living benefit from free resources offered through local and county agencies and nonprofit organizations in Cleveland. These services provide extra assistance that may help seniors retain independence, such as rides to medical appointments, nutrition services and activities that encourage socialization and active living.
(423) 424-4256 or (866) 836-6678
SETAAAD provides older adults and individuals with disabilities in Bradley County with the services they need to continue living as independently as possible. The agency works with various providers to develop and offer in-home services, congregate and home-delivered meals, family caregiver support, homemaker services, health promotion programs, transportation services, information and referrals and senior center services.
The SETD Cares program provides aging and disability services to adults aged 65 or older and disabled adults over age 21. It provides services throughout Bradley County, including in-home services, family caregiver programs, relative caregiver programs, regional senior centers, wellness workshops, nutrition programs, homemaker programs and information and referrals.
MyRide provides senior-friendly transportation to adults aged 60 and over. Screened and trained volunteers provide door-to-door transportation to seniors who can walk on their own or with assistance from a cane or walker and can’t drive. With a three-day notice, approved riders receive rides to essential appointments on Mondays through Fridays from 8:15 a.m. to 5 p.m.
The Bradley Cleveland Senior Activity Center offers recreational, educational, health and physical fitness programming for Bradley County residents aged 55 or older. Activities include nutritious meals, health and wellness programs, bingo, line dancing, card games, oil painting, monthly day trips, birthday parties, billiards and more. Services are free of charge, but participants are also welcomed to join the Center for $10 per year.
(615) 253-5412 or 877-236-0013
The LTC Ombudsman addresses the concerns of residents in assisted living and long-term care facilities and assists in resolving these concerns. The ombudsman also explains to residents their rights and responsibilities and always advocates for the best in care and quality of life for all residents.
Assisted Living Laws and Regulations in Cleveland
Cleveland-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Tennessee are required to follow. Visit our Assisted Living in Tennessee page for more information about these laws.