Assisted Living Communities in Chesapeake, Virginia

Chesapeake is one of the least expensive Virginia cities. In Richmond, to the north, the monthly average for assisted living care is $4,901. In Harrisonburg and Charlottesville, costs average $5,711 and $5,700, respectively. The most expensive city is Roanoke, where the monthly average price is $5,925.

According to the 2021 Genworth Cost of Care Survey, it costs an average of $4,690 per month for assisted living care in Chesapeake. This cost is $560 lower than the state average of $5,250 per month and $190 more than the national average of $4,500.

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 Virginia page.

Assisted living care in Chesapeake is less expensive than in-home care, which consists of non-medical assistance in the home, and home health care, which includes some rudimentary medical care. These options cost an average of $4,767. Adult day care is the least expensive senior care option, while nursing home care is the most expensive at an average of $8,410 per month for a semiprivate room.

The Virginia Department of Social Services, Assisted Living Facilities Division oversees long-term assisted living care in Chesapeake and the rest of the state. The division handles regulations, personnel background checks and licensing and ensures facilities uphold standards to keep residents safe and healthy.

• According to Kiplinger, Virginia is fairly tax-friendly for seniors, whether they live in an assisted living facility or independently. Seniors can apply for tax relief from property tax, and sales tax is already fairly low at 5.75% for combined state and local tax. Further, the state doesn’t tax Social Security income, and there is a $12,000 deductible for other forms of pension or retirement income. There is no estate or inheritance tax.
• Although several cities in Virginia are AARP Network of Age-Friendly Communities members, including Roanoke and Charlottesville, Chesapeake isn’t one yet. The AARP Network consists of communities worldwide committed to making their cities welcoming for all ages. Chesapeake enjoys some features that contribute to an age-friendly community, including a Comprehensive Plan for 55 and Better. 
• In terms of crime, Chesapeake is a relatively safe place to call home. Violent crime is below the national average, and property crime has steadily decreased since 2010. Chesapeake is a city of liveable neighborhoods, good schools and families, so it is likely to remain safe for seniors.
• Compared to other states, Virginia ranks 12th for long-term care and 28th in overall U.S. health rankings, according to America’s Health Rankings. The city has accessible, comprehensive health care, and the Chesapeake Regional Healthcare provider network has a specialty department for senior care.
• Chesapeake residents enjoy proximity to the beach and a temperate climate. They get slightly more rain than the rest of the U.S. but also much less snow and more sunny days on average. Summer months can be uncomfortably warm, but overall, this part of Virginia has a comfortable climate and reasonable air quality.