Colorado is an appealing retirement destination that’s home to more than 840,000 senior citizens who enjoy abundant outdoor activities and generous tax exemptions. Adults aged 65 and older represent about 14.6% of the state’s 5.77 million residents, and this number is expected to grow, which means there’s an increasing demand for community-based senior services. Fortunately, in 2018, Colorado became the third state to join AARP’s Network of Age Friendly Communities, and more than a dozen cities and counties have also expressed their commitment to supporting older adults at all stages of life.

Seniors in Colorado who enjoy an active lifestyle but don’t want the responsibility of maintaining their own home or condo may consider independent living facilities. These communities provide maintenance-free apartments, suites and villas. They also give seniors access to on-site recreational and social opportunities that can improve their health, wellness and quality of life. In Colorado, the average monthly cost of independent living is $2,974

If you’re interested in learning more about this type of care, information about average prices and possible payment options are in this guide. We’ve also included a directory of helpful agencies that provide free and low-cost services to help with long-term care planning.

The Cost of Independent Living in Colorado

Note: Because Independent Living cost data isn’t available from an authoritative source, we calculated the average cost using data from the 2021 Genworth Financial Cost of Care Survey. We subtracted 35% from the average cost of Assisted Living to arrive at an average for Independent Living because it usually costs about 30%-40% less.

The average cost of Independent Living in Colorado is slightly above the national average, but only by $163 per month. However, it’s also higher than the costs in all the states bordering it. Colorado’s average cost of Independent Living is higher than Kansas’ by $111, Wyoming’s by $378, Nebraska’s by $439 and Utah’s by $813.

$3088

Colorado

$2925

The United States

$2977

Kansas

$2710

Wyoming

$2649

Nebraska

$2275

Utah

Among the cities within Colorado, seniors can find a wide spectrum of price points for Independent Living, running the gamut from $4,079 in Boulder to $2,470 in Pueblo. In the capital city of Denver, seniors can expect to pay nearly $500 over the state average at $3,575. Besides Pueblo, other cities below the state average include Colorado Springs at $3,031, Grand Junction at $2,763 and Fort Collins at $2,600.

$4079

Boulder

$3575

Denver

$3031

Colorado Springs

$2763

Grand Junction

$2600

Fort Collins

$2470

Pueblo

For seniors who need some level of care, Independent Living may not be the ideal solution for their needs. Many seniors opt to age in place at home and pay an average of $6,387 for In-Home Care to receive homemaker services or for Home Health Care, which offers extensive personal care. Adult Day Health Care, which runs about $1,950 in Colorado, offers limited care in a nonresidential setting. Receiving personalized care in a residential setting costs about $4,750 for Assisted Living. For those needing a higher level of care, Nursing Home care averages $8,567 for semiprivate rooms or $9,726 for private rooms.

$3088

Independent Living

$4750

Assisted Living

$1950

Adult Day Health Care

$6387

In-Home Care

$6387

Home Health Care

$8567

Nursing Home Care (semiprivate room)

$9726

Nursing Home Care (private room)

Can You Use Medicare or Medicaid to Pay for Independent Living in Colorado?

Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assisted Living in Colorado.

Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.

Paying for Independent Living in Colorado

Independent living is a convenient option for seniors who want the security and comfort of maintenance-free accommodations but don’t need access to 24-hour care. Because these communities provide room, board and activities rather than medically necessary services, most seniors pay for the entire cost out of pocket. Possible funding options include investments or retirement income. Reverse mortgages can provide a monthly income stream or lump-sum payment, and long-term care insurance may help with some ancillary charges for transportation, meal preparation and grocery shopping assistance. For more details about long-term care planning, see our guide to independent living.

Independent Living Resources in Colorado

Seniors in Colorado have access to various free and low-cost services supported by the Older Americans Act and various nonprofit groups. Learn more about some of the organizations that can help you assess your needs and develop a long-term care plan while staying active in the community.

Resource
Contact
Service
(303) 866-5288
The Office of Adult, Aging and Disability Services operates Colorado’s veterans home, Adult Protective Services division and State Unit on Aging. It works with the state’s Aging and Disability Resource Centers to provide federally funded services supported by the Older Americans Act and similar programs. Seniors aged 60 and older qualify for nutritional services, transportation, legal advice and in-home assistance.
(303) 862-3524
Colorado has more than 70 staff and volunteer ombudsmen that help seniors and families who have questions or concerns about long-term care facilities. They provide information, advice and educational services to current and prospective residents. They also advocate for seniors who reside in assisted living facilities and continuing care communities or receive assistance through the Program for All-Inclusive Care for the Elderly. These services are free and confidential.
(888) 696-7213
If you’re new to Medicare or have questions about your insurance coverage, including benefits related to in-home assistance, the State Health Insurance Assistance Program can help. Unbiased informational services are available through 17 regional partners. Agents can help you learn more about Original Medicare, Advantage Plans, Medigap supplements, Part D prescription drug coverage and financial assistance programs.
(970) 264-0501
Colorado has 16 Area Agencies on Aging located across nine regions. These offices serve as a single point of contact for seniors, disabled adults and families who want to learn more about long-term care and local senior services. Your AAA can help you qualify for many free and low-cost supports, including chore assistance, in-home care, transportation and case management. They can also connect you to a long-term care ombudsman, attorney or senior rights advocate.
(720) 420-3215
Spark the Change Colorado and AmeriCorps Seniors work together to manage the state’s Retired and Senior Volunteer Program. Since 1971, this initiative has provided volunteer opportunities for adults aged 55 and older who want to give back to the community by assisting with food banks, Meals on Wheels programs and other organizations. It also provides volunteer companionship services to seniors living in five counties in the Denver metropolitan area.
(303) 832-4535
Formerly known as the Colorado Senior Lobby, this nonprofit organization advocates for the interests of adults at the state and local levels. Its goal is to help leaders build more age-friendly communities. Seniors can participate in this all-volunteer organization by assisting with education, training, special events and strategic planning. Members interact with government officials and local stakeholders during conferences and annual events, such as Older Coloradans Week.

COVID-19 Rules for Independent Living in Colorado

The following information is based on research done on several government websites, including covid19.colorado.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/7/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Colorado Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for Colorado Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for Colorado Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Yes

Find Independent Living Communities in Indiana

Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in Indiana, simply put that in the search bar below.

Holiday Quincy Place

7200 E Quincy Ave, Denver, CO, 80237

I visited Holiday Quincy Place. I loved it. If I decided to move, I was going to move in there. But the price and everything at another place, I changed my mind. I had a meal there, I had something wi … (read more)
I visited Holiday Quincy Place. I loved it. If I decided to move, I was going to move in there. But the price and everything at another place, I changed my mind. I had a meal there, I had something wi … (read more)

Harvard Square Retirement and Senior Living

10200 East Harvard Avenue, Denver, CO, 80231

I did a tour of Harvard Square Retirement and Senior Living. If I decide that I’m going to move that’s where I’d go. I wouldn’t look any place else. It looked very professional, clean, and modern. The … (read more)
I did a tour of Harvard Square Retirement and Senior Living. If I decide that I’m going to move that’s where I’d go. I wouldn’t look any place else. It looked very professional, clean, and modern. The … (read more)

2014, 2015

Brookdale University Park Colorado

2020 South Monroe St., Denver, CO, 80210

Located southeast of downtown Denver, Brookdale University Park offers residents independent and assisted living options plus memory care and skilled nursing. It sits just off I-25 to facilitate easy … (read more)
Located southeast of downtown Denver, Brookdale University Park offers residents independent and assisted living options plus memory care and skilled nursing. It sits just off I-25 to facilitate easy … (read more)

Brookdale Parkplace

111 Emerson St., Denver, CO, 80218

Brookdale Parkplace is located in the heart of Denver, Colorado. The high-rise building consists of a mix of assisted care rooms including memory care and independent living apartments with views of t … (read more)
Brookdale Parkplace is located in the heart of Denver, Colorado. The high-rise building consists of a mix of assisted care rooms including memory care and independent living apartments with views of t … (read more)

2018

Brookdale Tamarac Square

8030 East Girard Ave., Denver, CO, 80231

I had been to Brookdale Tamarac Square several times and I had eaten there several times. I had gone to other communities and figured this is the best. There were good meals at both times I visited. T … (read more)
I had been to Brookdale Tamarac Square several times and I had eaten there several times. I had gone to other communities and figured this is the best. There were good meals at both times I visited. T … (read more)

Springbrooke Retirement & Assisted Living

6800 Leetsdale Drive, Denver, CO, 80224

Springbrooke Retirement & Assisted Living is located in Denver, Colorado, minutes from the Cherry Creek shopping district. Residents of this serene facility enjoy a view of the state’s mountains, … (read more)
Springbrooke Retirement & Assisted Living is located in Denver, Colorado, minutes from the Cherry Creek shopping district. Residents of this serene facility enjoy a view of the state’s mountains, … (read more)

Upside Denver

1959 Wewatta St, Denver, CO, 80202


The Gardens at St. Elizabeth

2835 West 32nd Avenue, Denver, CO, 80211

The Gardens at St. Elizabeth was updated and it’s a very nice property. The people were all friendly. Other than that, we didn’t really see a lot else. We went to see a couple of rooms. We didn’t stay … (read more)
The Gardens at St. Elizabeth was updated and it’s a very nice property. The people were all friendly. Other than that, we didn’t really see a lot else. We went to see a couple of rooms. We didn’t stay … (read more)

Everleigh Central Park

2980 No. Syracuse St., Denver, CO, 80238

The Grove at Stapleton was very nice. They seemed to have everything, like a full-blown exercise room and a swimming pool. They do hiking, which I was very interested in, and biking. I looked at a one … (read more)
The Grove at Stapleton was very nice. They seemed to have everything, like a full-blown exercise room and a swimming pool. They do hiking, which I was very interested in, and biking. I looked at a one … (read more)

Loving Life Assisted Living

2607 S Eudora Pl, Denver, CO, 80222


Balfour Senior Living

1500 Little Raven St., Denver, CO, 80202

The staff are friendly and attentive, the facilities excellent. The food is excels.
The staff are friendly and attentive, the facilities excellent. The food is excels.

Decatur House

1915 S. Decatur Street, Denver, CO, 80219

Decatur House has been there a while. They’re trying to make it for senior couples only. And we’ll be the first senior couple there. They also had it open to any disabled. They have a 2-bedroom. It’s … (read more)
Decatur House has been there a while. They’re trying to make it for senior couples only. And we’ll be the first senior couple there. They also had it open to any disabled. They have a 2-bedroom. It’s … (read more)

Clermont Park

2479 South Clermont Street, Denver, CO, 80222


Eastern Star Masonic Retirement Campus

2445 South Quebec Street, Denver, CO, 80231


Overture Stapleton 55+ Apartment Homes

8133 E 29th Place, Denver, CO, 80238

What I like about Overture Stapleton 55+ Apartment Homes is the location, and they gave me a discount for moving in. I also like the way the one unit can be divided up into two separate bedrooms. Comp … (read more)
What I like about Overture Stapleton 55+ Apartment Homes is the location, and they gave me a discount for moving in. I also like the way the one unit can be divided up into two separate bedrooms. Comp … (read more)

Windsor Gardens

595 S. Clinton Street, Denver, CO, 80247

I have lived in Windsor Gardens for over two years. In sum, it is a very good place to live. The in-house management team is excellent – knowledgeable, responsive and caring and the residents serv … (read more)
I have lived in Windsor Gardens for over two years. In sum, it is a very good place to live. The in-house management team is excellent – knowledgeable, responsive and caring and the residents serv … (read more)

Maltese Cross Manor

1590 Yates St, Denver, CO, 80204

Maltese Cross Manor didn’t have a 2-bedroom for us. All they had was a 1-bedroom. But we liked it a lot. It’s a 15-floor building with elevators. They have a very nice staff. A lot of nice people livi … (read more)
Maltese Cross Manor didn’t have a 2-bedroom for us. All they had was a 1-bedroom. But we liked it a lot. It’s a 15-floor building with elevators. They have a very nice staff. A lot of nice people livi … (read more)

Carillon at Belleview Station

4855 South Niagara Street, Denver, CO, 80237


Francis Heights Apartments

2626 Osceola St, Denver, CO, 80212

Nothing is what they say they are you about to park in the streets the pool is not open the recreation center is not open you got kids running around everywhere I’m supposed to be a senior living noth … (read more)
Nothing is what they say they are you about to park in the streets the pool is not open the recreation center is not open you got kids running around everywhere I’m supposed to be a senior living noth … (read more)

Yale Station Senior Apartments

5307 E. Yale Ave, Denver, CO, 80222

I am a former resident of Yale Station Senior Apartments. The physical location was great. The building was great. However, the staff was horrible.
I am a former resident of Yale Station Senior Apartments. The physical location was great. The building was great. However, the staff was horrible.