Located on the Chesapeake Bay, Maryland is a vibrant retirement destination packed with things to see and do. Notable attractions include Baltimore’s Inner Harbor, the Ocean City Boardwalk and Assateague Island, which is famous for its wild horses. The Old Line State is home to more than 6 million residents, including nearly 1 million senior citizens. Although the cost of living is about 13% higher than other parts of the country, health care is more affordable than average, and residents have access to world-class medical care at Johns Hopkins Hospital and the University of Maryland Medical Center.

The state is home to a number of long-term care facilities and continuing care retirement communities that cater to residents with varying needs. Seniors who can live on their own with minimal assistance are good candidates for independent living. These facilities provide comfortable age-restricted accommodations with access to recreational activities and social services. The median cost of independent living in Maryland is $3,250 per month, which is slightly higher than the national average.

Seniors who want to learn more about their independent living options in Maryland, including the average cost of these services, will find helpful information in this guide. It also lists a number of statewide agencies that can assist with long-term care planning and healthy aging.

The Cost of Independent Living in Maryland

Note: Independent Living cost data isn’t available from any nationally respected sources, but on average, this type of care costs 30%-40% less than Assisted Living. To calculate Independent Living rates, we deducted 35% from the Genworth 2021 Cost of Care Survey’s Assisted Living fees. 

Independent Living residents in Maryland pay $3,185 per month for services compared to the national median of $2,925, indicating that this state is among the costlier options in the country for this type of care. Seniors may save money by living in West Virginia, where rates are considerably more competitive at $2,704, or in Pennsylvania, where rates are affordable compared to Maryland at $2,665. In Virginia and Delaware, monthly fees are higher at $3,413 and $3,897, respectively.  

$3185

Maryland

$2925

The United States

$2665

Pennsylvania

$2704

West Virginia

$3413

Virginia

$3897

Delaware

Independent living rates are fairly consistent across Maryland, averaging between $3,000 and $4,000 per month. The most cost-effective city to obtain care in Maryland is Hagerstown, where care costs come in at $3,010. In the Baltimore area, fees are comparable at $3,088, and in Salisbury, seniors pay $3,237. Cumberland is the costliest option surveyed within the state at $3,411. Seniors in Washington, D.C., pay $3,866 for care, and across state lines in Dover, Delaware, fees are higher than in any Maryland city at $3,947.  

$3411

Cumberland

$3010

Hagerstown Area

$3088

Baltimore Area

$3237

Salisbury

$3866

Washington, D.C

$3947

Dover, DE

Maryland seniors have numerous long-term care options, depending on their needs, lifestyle preferences and budgets. Older adults who want to remain in their homes and save money on monthly care may consider Adult Day Health Care, the most affordable option at $1,928 monthly. In-Home Care, which includes basic services such as housekeeping and companionship, costs $5,148, and Home Health Care has the same monthly rate despite featuring specialized services such as wound care and medical monitoring. Assisted Living is moderately priced at $4,900, and Nursing Home care is the most expensive at $10,342 for a semiprivate room and $12,167 for a private room. 

$3185

Independent Living

$5148

In-Home Care

$5148

Home Health Care

$1928

Adult Day Care

$4900

Assisted Living

$10342

Nursing Home (semiprivate room)

$12167

Nursing Home (private room)

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

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 Maryland.

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 Maryland

Most seniors pay for independent living out-of-pocket using retirement income or funds from investment accounts. Medicare and Medicaid typically won’t cover these services since rates cover room and board, rather than medically necessary supports. Long-term care insurance may pay for some charges, such as meal preparation assistance and help with errands. Reverse mortgages may also provide a source of ongoing funding or a lump-sum payment that can be used for buy-in fees and other one-time expenses. See our guide to independent living for more information.

Independent Living Resources in Maryland

Seniors in Maryland who are interested in independent living and other forms of long-term care can contact their Area Agency on Aging for information and assistance. The following organizations offer free, confidential services to seniors and their families.

Resource
Contact
Service
(410) 767-1100
The Maryland Department of Aging is dedicated to making the state an attractive destination for older adults by supporting their health and well-being and helping to build vibrant communities. It protects older adults from abuse and neglect and works to ensure that seniors and disabled adults have access to vital services and receive the information they need to make informed decisions.
(844) 627-5465
Seniors in Baltimore and each of the state’s 23 counties can turn to their Area Agency on Aging for information about adult services, in-home care and assisted living. These agencies also provide transportation and nutritional services to help seniors meet their day-to-day needs. It offers tax preparation assistance, financial help with housing and utilities and community service opportunities through the Retired and Senior Volunteer Program.
(800) 633-4227
SHIP is a free government-sponsored service that’s available in Baltimore and all 23 counties. The program offers confidential in-person and phone-based assistance to seniors who need help with Medicare, including Advantage Plans, Part D prescription drug coverage, financial assistance programs and billing issues. Seniors can also obtain information about long-term care insurance and ways to prevent waste and fraud through this program.
(410) 220-0494
Based in Baltimore, the Maryland Consumer Rights Coalition is a nonprofit organization that sponsors the state’s SOAR program. This initiative researches financial issues among the elderly and provides outreach events and direct services, including financial coaching, identity theft prevention, digital privacy training and help with applying for tax breaks and other government benefits.
(410) 767-2161
Maryland’s long-term care ombudsman program includes independent advocates in each county. These experts provide information and education about long-term care facilities and residents’ rights, and they offer advocacy and dispute resolution services to help seniors access quality care that’s consistent with their personal needs and preferences.
(443) 481-1000
The Institute for Healthy Aging is a multidisciplinary initiative sponsored by the Anne Arundel Medical Center. It provides conversation guides to help seniors and their families prepare advance directives, develop long-term care plans and discuss end-of-life issues. Seniors can also find support groups and resources for improving their fitness and managing health risks through this organization.

COVID-19 Rules for Independent Living in Maryland

The following information is based on research done on several government websites, including coronavirus.maryland.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/8/2022, 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 Maryland 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 Maryland 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 Maryland Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes (Conditions Apply)

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 (Conditions Apply)

Find Independent Living Communities in Maryland

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

Angel Core Home of Care

4304 Parkmont Avenue, Baltimore, MD, 21206

I went to look at Angel Core Home Of Care. The location was close to my home. The lady was very knowledgeable, friendly, and open about how she ran her business. She offered additional services, like … (read more)
I went to look at Angel Core Home Of Care. The location was close to my home. The lady was very knowledgeable, friendly, and open about how she ran her business. She offered additional services, like … (read more)

The Mohawk Estate

2814 Mohawk Ave, Baltimore, MD, 21207


Community Caregivers Assisted Living

3900 Norfolk Ave, Baltimore, MD, 21216


Howell’s Care l

5809 Highgate Drive, Baltimore, MD, 21215


Maine Manor Assisted Living Facility

4511 Maine Avenue, Baltimore, MD, 21207


Heart 2 Hart Assisted Living LLC

627Glenwood Ave, Baltimore, MD, 21212


Aim to Inspire Assisted Living

1329 N Caroline St, Baltimore, MD, 21213


Elle Home Haven LLC

1022 Wicklow Road, Baltimore, MD, 21229


Upside Baltimore

900 E Fort Ave, Baltimore, MD, 21230


2012, 2014

Roland Park Place

830 West 40Th Street, Baltimore, MD, 21211

Roland Park Place is nestled between the bustling neighborhoods of Keswick and Hampden in the heart of Baltimore, Maryland. Residents and their loved ones give high marks for the lush, landscaped gard … (read more)
Roland Park Place is nestled between the bustling neighborhoods of Keswick and Hampden in the heart of Baltimore, Maryland. Residents and their loved ones give high marks for the lush, landscaped gard … (read more)

The Village At Augsburg

6825 Campfield Road, Baltimore, MD, 21207

Augsburg Lutheran Assisted Living is nestled in the suburbs of Baltimore, Maryland, right next to a beautiful river and county. Visitors are pleasantly surprised by the variety of living choices, whic … (read more)
Augsburg Lutheran Assisted Living is nestled in the suburbs of Baltimore, Maryland, right next to a beautiful river and county. Visitors are pleasantly surprised by the variety of living choices, whic … (read more)


NCC Assisted Living

3107 Glen Avenue, Baltimore, MD, 21215

NCC Assisted Living was a smaller facility, and not as spacious as the other two places. The owner was helpful and knowledgeable. She emailed me a check-off list that I could take to the doctor to gau … (read more)
NCC Assisted Living was a smaller facility, and not as spacious as the other two places. The owner was helpful and knowledgeable. She emailed me a check-off list that I could take to the doctor to gau … (read more)

Ednor Apartments II

1050 E 33rd St, Baltimore, MD, 21218

I chose Ednor Apartments II for myself because I like the size of the apartment. I was concerned about the size because you had to do a lot of downsizing when you move from a larger place to a smaller … (read more)
I chose Ednor Apartments II for myself because I like the size of the apartment. I was concerned about the size because you had to do a lot of downsizing when you move from a larger place to a smaller … (read more)

Epiphany House

5610 York Road, Baltimore, MD, 21212

Epiphany House in Baltimore was very nice. I liked it. The facility was clean and well-kept. They had the usual activities provided for senior citizens. They offer studio apartments.
Epiphany House in Baltimore was very nice. I liked it. The facility was clean and well-kept. They had the usual activities provided for senior citizens. They offer studio apartments.

Kind Heart Assisted Living

2519 Keyworth Ave, Baltimore, MD, 21215


Zen. Apartments

1100 East 33rd Street, Baltimore, MD, 21218


KP Assisted Living

3811 White Avenue, Baltimore, MD, 21206


Woodbourne Woods

1650 Woodbourne Avenue, Baltimore, MD, 21239

Woodbourne Woods was very lovely. They had very nice apartments. I like that it’s gated and they have 24-hour security. The apartments are good-sized. It’s clean. They have a laundry room and activiti … (read more)
Woodbourne Woods was very lovely. They had very nice apartments. I like that it’s gated and they have 24-hour security. The apartments are good-sized. It’s clean. They have a laundry room and activiti … (read more)

Taylor and Jackie Assisted Living

6910 Fieldcrest Rd, Baltimore, MD, 21215