Thanks to its proximity to New York City, Connecticut has long been a favorite location for retirees. Most communities in Connecticut are only an hour or two’s drive from the Big Apple and its many attractions. However, Connecticut also has many attractions, such as Mystic River, an ideal location for a weekend getaway. Seniors who enjoy a day trip can board the Essex Steam Train, which travels through the Connecticut Valley.

While the cost of living in Connecticut is about eight points above the national average, the cost of health care is slightly below. Connecticut taxes Social Security income, although it offers low-income senior homeowners a property tax credit.

When seniors consider their options for retirement, one of the options they often overlook is independent living communities. These communities are ideal for seniors who want to simplify their lives and don’t require the services provided in a long-term care facility. The average cost of independent living in Connecticut is $4,095 a month

This guide takes a closer look at the cost of independent living in Connecticut and presents some options and resources for seniors they can use to help them maintain their independence and health.

The Cost of Independent Living in Connecticut

Note: Average costs of Independent Living haven’t been established by a reputable source. Therefore, we estimated these costs based on the 2021 Genworth Financial Cost of Care Survey. Since Independent Living typically costs 30-40% less than Assisted Living, we subtracted 35% from the Assisted Living costs reported in Genworth’s study to create average costs for Independent Living.

Seniors in Connecticut opting for an Independent Living lifestyle can expect to pay $409 per month over the national average. They’ll also pay $357 more than they would in New York. However, the cost of Independent Living jumps in nearby New Jersey to $888 over Connecticut’s cost. Massachusetts’s average cost is $891 higher than Connecticut’s, and Rhode Island’s is considerably higher at $1,103 more per month.

$3334

Connecticut

$2925

The United States

$4437

Rhode Island

$4225

Massachusetts

$4222

New Jersey

$2977

New York

Average costs of Independent Living in some of Connecticut’s popular cities greatly vary. Bridgeport, the most populous city in southwest Connecticut, has one of the highest averages at $4,077 per month. The cost of living in Hartford, Connecticut’s capital city, is slightly more than the state average at $3,396 but significantly lower than that of Bridgeport. New Haven’s cost is lower than Hartford’s at $3,307 per month, and Norwich in the east has one of the lowest costs statewide at $2,795.

$4077

Bridgeport

$3396

Hartford

$3307

New Haven

$2795

Norwich

As previously mentioned, Assisted Living is 35% higher than the estimated cost of Independent Living in Connecticut. Assisted Living costs $5,129 and includes personal care. Seniors can also receive help in their homes for just slightly more than Assisted Living, with In-Home Care averaging $5,243 and Home Health Care averaging $5,339. Older adults seeking limited services pay $1,842 for Adult Day Health Care, a nonresidential option, while those needing extensive help in a residential setting pay substantially more for Nursing Home Care. Semiprivate rooms in these senior residences run $13,764 and private rooms cost $15,170.

$3334

Independent Living

$5129

Assisted Living

$1842

Adult Day Health Care

$5243

In-Home Care

$5339

Home Health Care

$13764

Nursing Home Care (semiprivate room)

$15170

Nursing Home Care (private room)

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

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 Connecticut.

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 Connecticut

Seniors may be concerned about the cost of independent living, but they have several options to cover its costs. They can sell their existing property or properties. If they no longer need a car, an RV or a boat, they could sell those. If they’re concerned that they won’t have enough money to meet regular food and housing costs, they could rent their property and use that monthly income or join a community that already covers these costs.

These are only a few of the options available. Many others exist that can help seniors pay for independent living.

Independent Living Resources in Connecticut

There are numerous resources available for seniors in Connecticut to help ameliorate the cost of independent living and provide them with other essential services for free or at a low cost. Here are a few:

Resource
Contact
Service
(860) 418-6318
Healthcare like Medicaid or Medigap doesn’t cover any of the costs of independent living. However, long-term care insurance, which covers help with the activities of daily living (ADL) like laundry, cooking or house cleaning, will probably be transferable to an independent living community. In Connecticut, the Connecticut Partnership For Long-Term Care Insurance is a program jointly operated by the state government and private enterprises that helps seniors create a plan for care without using up all their assets.
(203) 865-0587 
The Connecticut RX Card is a program available to all residents of Connecticut regardless of their age or income. There are no enrollment forms, and no personal information is required to obtain a card. The card also covers pre-existing conditions and can be used by seniors who already have a Medicare Part D Plan or a Medicare Advantage Plan. The program will help seniors obtain the lowest price on any generic or brand medications. The average saving is 30%, although you can save up to 80%.
(860) 616-3600
While the Veterans Administration does not directly pay for the costs of independent living, it may pay for additional services that the veteran or their spouse requires while living in an independent living community. Eligible veterans, their spouses or their survivors who need help with ADLs can use these funds to help cover some of these costs for home care (including residing in an independent living community). For more information, contact your local Connecticut veterans’ office.
(800) 994-9422
Even when seniors choose to live in an independent living community, they still may have questions about their health care. CHOICES, the State Health Insurance Assistance Program (SHIP), can provide many answers to seniors, caregivers or their families about Medicare, Medicaid, Medigap and long-term care insurance. Seniors can talk one-on-one with a trained volunteer counselor who can help guide their choices about how to select the best health care to address their needs. All conversations are confidential, and the volunteer counselors do not work for any healthcare organization.
(800) 453-3320
Five offices located throughout Connecticut offer free counseling and representation on important elder law issues to seniors aged 60 and over. This includes help with government programs such as Medicare, end-of-life issues, patient’s rights, advance medical directives, power of attorney questions and nursing home issues.

COVID-19 Rules for Independent Living in Connecticut

The following information is based on research done on several government websites, including ct.gov/DPH. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/2/2022, 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 Connecticut 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?

Not Available*

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

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Outings & Social Activities

Rules for Connecticut Communities

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

Not Available*

Are residents who leave required to quarantine when they return?

Not Available*

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)

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

COVID-19 Safety Measures for Staff and Residents

Rules for Connecticut 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?

Not Available*

Are residents regularly checked for elevated temperatures?

Not Available*

Are residents regularly tested for COVID-19?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Find Independent Living Communities in Connecticut

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

Fireside Apartments

75 Stewart Street, Bridgeport, CT, 06610


River Valley Retirement Community Now Open!

101 Oakview Drive, Trumbull, CT, 06611

We toured River Valley Retirement Community. The best things about the place were that it was new and that all the apartments were clean and nicely furnished. The facility seemed to be well laid out, … (read more)
We toured River Valley Retirement Community. The best things about the place were that it was new and that all the apartments were clean and nicely furnished. The facility seemed to be well laid out, … (read more)

Maplewood at Southport

917 Mill Hill Terrace, Southport, CT, 06890

My visit at Maplewood at Southport was good. They don’t have a lot of rooms. As a matter of fact, they have very little room for new people coming in. They’re pretty full, so they may not have the ava … (read more)
My visit at Maplewood at Southport was good. They don’t have a lot of rooms. As a matter of fact, they have very little room for new people coming in. They’re pretty full, so they may not have the ava … (read more)

Meadow Ridge

100 Redding Road, Redding, CT, 06896

<p>At Meadow Ridge, you’ll enjoy a distinctive lifestyle with refinements such as luxurious apartment homes, gourmet cuisine, impeccable service and exquisite amenities. With our Lifecare plan, you … (read more)
<p>At Meadow Ridge, you’ll enjoy a distinctive lifestyle with refinements such as luxurious apartment homes, gourmet cuisine, impeccable service and exquisite amenities. With our Lifecare plan, you … (read more)

The Residence at Westport

1141 Post Rd E, Westport, CT, 06880


Spring Meadows Trumbull

6949 Main Street, Trumbull, CT, 06611

Spring Meadows is located in the southwestern Connecticut city of Trumbull, approximately 10 miles north of Bridgeport. It sits in the shadow of the Tashua Recreation Area, which is home to the Tashua … (read more)
Spring Meadows is located in the southwestern Connecticut city of Trumbull, approximately 10 miles north of Bridgeport. It sits in the shadow of the Tashua Recreation Area, which is home to the Tashua … (read more)

Wesley Heights at Wesley Village

580 Longhill Ave., Shelton, CT, 06484

Wesley Heights at Wesley Village is located in Shelton, Connecticut, a town which has twice had the honor of having one of their pine trees selected as the official Rockefeller Center Christmas tree. … (read more)
Wesley Heights at Wesley Village is located in Shelton, Connecticut, a town which has twice had the honor of having one of their pine trees selected as the official Rockefeller Center Christmas tree. … (read more)

Crosby Commons at Wesley Village

580 Long Hill Avenue, Shelton, CT, 06484


Bishop Wicke Health Center

584 Long Hill Ave, Shelton, CT, 06484

Bishop Wicke Health &amp; Rehabilitation Center is conveniently located close to Connecticut Route 8 in Shelton, Connecticut, just a short drive from the Housatonic River and Roosevelt Forest. Visitor … (read more)
Bishop Wicke Health &amp; Rehabilitation Center is conveniently located close to Connecticut Route 8 in Shelton, Connecticut, just a short drive from the Housatonic River and Roosevelt Forest. Visitor … (read more)