Michigan is an inviting destination for retirees and independent living residents. The state has 14 metropolitan areas and more miles of freshwater coastline than any other state. This gives residents access to a wealth of attractions from scenic Mackinac Island at the junction between the Upper and Lower Peninsula to downtown Detroit. Residents can view works from the great masters at the Detroit Institute of Arts and learn more about the area’s role in the automotive industry at the Henry Ford Museum of American Innovation.

Michigan ranks well for its affordability. The cost of living is about 10% lower than the national average. Independent living is also more affordable than other parts of the country. Seniors can expect to pay roughly $2,730 per month depending on the community and type of apartment or cottage they select. Independent living facilities provide social and recreational activities rather than personal care and medical support. However, they’re typically part of larger continuing care retirement communities that allow seniors to add additional services as their needs change.

If you’re considering independent living, this guide explores average costs in Michigan and popular financing options. You’ll also find information about state agencies that can help with advance planning, long-term care insurance and government benefits.

The Cost of Independent Living in Michigan

Note: To compare costs of Independent Living, we calculated the average cost by using the 2021 Genworth Financial Cost of Care Survey as a basis, since there’s no authoritative information for this type of senior care. Independent Living is usually 30%-40% cheaper than Assisted Living, so we used the Assisted Living costs in Genworth’s study and subtracted 35% to establish Independent Living costs.

Michigan’s average cost of Independent Living is slightly lower than the national average of $2,925 at $2,763. Its average cost is also lower than most surrounding states. Pennsylvania’s cost is lower than Michigan’s at $2,665. While Indiana’s cost of $2,784 is higher, it’s only higher by $21. Costs in Ohio, Wisconsin and Illinois are significantly higher at $3,013, $2,990 and $2,917, respectively.

$2763

Michigan

$2925

The United States

$3013

Ohio

$2990

Wisconsin

$2917

Illinois

$2784

Indiana

$2665

Pennsylvania

Michigan’s most populous city, Detroit, has one of the lowest costs of Independent Living statewide at an average of $2,740. While the capital city of Lansing has an average cost that’s nearly as low at $2,803 per month, it’s $40 higher than the state average. Kalamazoo is higher than the state average by $65 at $2,828 and Flint is higher by $81 at $2,844, but both costs are still below the national average. Ann Arbor has one of the highest costs statewide at $3,960, well over the state and national averages.

$3960

Ann Arbor

$2844

Flint

$2828

Kalamazoo

$2803

Lansing

$2740

Detroit

Seniors in Michigan may weigh the costs of other types of senior care to find the ideal option for their needs. Adult Day Health Care provides the lowest level of care in a nonresidential setting at only $1,733 per month. Alternately, Nursing Home Care offers the highest level of care at the highest cost in a residential setting at $9,095 for semiprivate rooms or $9,855 for private rooms. In-Home Care and Home Health Care both average $5,529. Assisted Living costs an average of $4,250 and Independent Living is $2,763.

$2763

Independent Living

$4250

Assisted Living

$1733

Adult Day Health Care

$5529

In-Home Care

$5529

Home Health Care

$9095

Nursing Home Care (semiprivate room)

$9855

Nursing Home Care (private room)

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

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 Michigan.

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 Michigan

Independent living is relatively affordable because most facilities only charge residents for housing and upkeep. Unfortunately, this means that seniors must pay for these services privately using retirement income, government pensions or personal investments. Additionally, some communities charge buy-in fees. If you’re selling your home, this may not be a problem. Otherwise, you might want to consider a reverse mortgage or short-term bridge loan. Long-term care insurance typically won’t cover room and board, but it may pay for personal assistance, such as help with errands and meal preparation, if the community offers these services to independent living residents. You can find more information about payment options in our guide.

Independent Living Resources in Michigan

If you’re interested in independent living, the following agencies can provide helpful information and direct services to help you achieve your goals. State agencies, county offices and local senior centers offer a wealth of resources to promote your health, safety and independence. You can learn more about some of these programs below.

Resource
Contact
Service
(517) 241-4100
Michigan's Aging and Adult Services Agency has been serving older adults since 1981. Its State Advisory Council on Aging and Commission on Services to the Aging develop programs and services to support older adults who want to age independently. It works to build age-friendly lifetime communities and supports the state's Retired and Senior Volunteer Programs for residents aged 55 and older. Many of these benefits can be accessed by contacting your Area Agency on Aging.
(517) 886-1029
Michigan is home to 16 Area Agencies on Aging that advocate for seniors and administer government funding in designated regions. These programs offer nutrition assistance, caregiver supports, healthy aging guides, chronic disease management courses and services that promote senior's dignity and independence. Michigan's Area Agencies on Aging work with 1,300 state and local partners to serve more than 120,000 clients annually.
(248) 505-8228
This nonprofit represents a statewide network of senior centers, and it certifies program administrators. These centers offer recreational activities and an array of helpful services for older adults, including lunchtime meals, tax preparation assistance, transportation, travel opportunities and referrals to government agencies. Michigan residents can find a comprehensive directory of accredited senior centers online.
(517) 827-8010
Older adults may face a variety of practical and legal challenges that make it difficult for them to live safely and independently. This multidisciplinary agency is supported by long-term care ombudsmen, social workers, care coordinators and legal professionals. It focuses on preventing elder abuse, handling guardianship petitions and helping older adults access long-term care and public benefits.
(866) 485-9393
Seniors considering independent or assisted living can contact the state's long-term care ombudsman to learn more about their options. This federally mandated program provides educational guides, fact sheets and confidential services to promote residents' rights and help seniors establish family councils and other advocacy groups. The organization's network of volunteer ombudsmen serves more than 100,000 long-term care residents statewide.
(800) 803-7174
MMAP Inc. is a free service that provides unbiased insurance information and health care counseling. Specially trained advocates and volunteers work with Area Agencies on Aging, senior centers and other local organizations to help residents learn more about Medicare, prescription drug benefits and long-term care insurance. They can also help with billing issues, fraud prevention and coverage disputes.

COVID-19 Rules for Independent Living in Michigan

The following information is based on research done on several government websites, including michigan.gov/coronavirus. 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 Michigan 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

Does the state recommend or require that senior living facilities assist families with setting up virtual visit alternatives?

Not Available*

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 Michigan 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 Michigan Communities

Are staff members and contractors being screened for elevated temperatures?

Yes

Are staff members and contractors being tested for Coronavirus?

Yes (Conditions Apply)

Are staff members and contractors being asked questions about health, travel, and potential virus contact?

Yes

Are staff members required to regularly screen residents for coronavirus symptoms?

Yes

Are residents relied on to screen themselves and self-report potential coronavirus symptoms?

No

Are staff members required to take residents’ temperatures?

Yes

Are residents being tested for coronavirus?

Yes (Conditions Apply)

Find Independent Living Communities in Michigan

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


Curing Hearts LLC

14165 Edmore Dr, Detroit, MI, 48205


The Vernon Center

9341 Agnes St, Detroit, MI, 48214

My mother has moved into The Vernon Center. It’s great. It’s really nicely updated. The staff is really nice. According to my mother, they cook really good food. When something breaks, they come and f … (read more)
My mother has moved into The Vernon Center. It’s great. It’s really nicely updated. The staff is really nice. According to my mother, they cook really good food. When something breaks, they come and f … (read more)

Hartford Village

17500 Meyers Road, Detroit, MI, 48235

My father was a resident of Hartford Village in Detroit. First of all, I loved it. Second of all, it’s a very nice facility. It’s gated, and they also have security; there is somebody there, always. T … (read more)
My father was a resident of Hartford Village in Detroit. First of all, I loved it. Second of all, it’s a very nice facility. It’s gated, and they also have security; there is somebody there, always. T … (read more)

McGivney-Bethune Apartments

16850 Wyoming, Detroit, MI, 48221

My sister has moved into Bethune Apartments and is doing very well there. It is a very nice place. They have security at night and services during the day that assist her with any of her insurance nee … (read more)
My sister has moved into Bethune Apartments and is doing very well there. It is a very nice place. They have security at night and services during the day that assist her with any of her insurance nee … (read more)

River Towers

7800 E Jefferson Avenue, Detroit, MI, 48214

I found River Towers for Mom, and she loves it. It’s a big place, it’s nice, very clean, and there’s a lot of nice people. They’ve got a lot of stuff going on, buses pick them up, and she enjoys the a … (read more)
I found River Towers for Mom, and she loves it. It’s a big place, it’s nice, very clean, and there’s a lot of nice people. They’ve got a lot of stuff going on, buses pick them up, and she enjoys the a … (read more)

Cityview Senior Tower

4701 Chrysler Drive, Detroit, MI, 48201

I liked Cityview Senior Tower, but it’s just too busy because it is right next the Detroit Medical Center.
I liked Cityview Senior Tower, but it’s just too busy because it is right next the Detroit Medical Center.

Himelhoch Apartments

1545 Woodward Avenue, Detroit, MI, 48226

The Himelhoch Apartment was nice and very well-maintained, but I have a car and it didn’t have parking facilities. They don’t provide any recreational activities because it’s really right downtown, an … (read more)
The Himelhoch Apartment was nice and very well-maintained, but I have a car and it didn’t have parking facilities. They don’t provide any recreational activities because it’s really right downtown, an … (read more)

Theresa Maxis Apartments

16800 Wyoming St, Detroit, MI, 48221

I think Theresa Maxis is an excellent choice for placement for an independent senior that is low income and looking for placement for a safe and secured senior citizen apartment building. Theresa Max … (read more)
I think Theresa Maxis is an excellent choice for placement for an independent senior that is low income and looking for placement for a safe and secured senior citizen apartment building. Theresa Max … (read more)

The Village of Woodbridge Manor

1300 Martin Luther King Jr, Detroit, MI, 48201

I have a family member who lived in the Village of Woodbridge Manor. It was very nice. They have a dining room downstairs, they have an exercise room, they have a TV room, and a movie room. I haven’t … (read more)
I have a family member who lived in the Village of Woodbridge Manor. It was very nice. They have a dining room downstairs, they have an exercise room, they have a TV room, and a movie room. I haven’t … (read more)

Morton Manor Senior Apartments

20000 Dequindre , Detroit, MI, 48234

Morton Manor Senior Apartments is convenient. It’s less than two miles away from my church and it’s subsidized housing. It’s cozy and very much what I’ve desired at this point in my life. They have re … (read more)
Morton Manor Senior Apartments is convenient. It’s less than two miles away from my church and it’s subsidized housing. It’s cozy and very much what I’ve desired at this point in my life. They have re … (read more)

Eden Manor

18040 Coyle Avenue , Detroit, MI, 48235


Evangelical Manor

6720 W. Outer Drive , Detroit, MI, 48235


Allegria Village

15101 Ford Road, Dearborn, MI, 48126

My in-person visits to Allegria Village were frequent because I visited people who resided there. I liked the atmosphere, the services that it offered to the residents, and the staff with whom I inter … (read more)
My in-person visits to Allegria Village were frequent because I visited people who resided there. I liked the atmosphere, the services that it offered to the residents, and the staff with whom I inter … (read more)

Beaumont Commons, Dearborn

16351 Rotunda Dr, Dearborn, MI, 48120

My girlfriend is in Beaumont Commons Dearborn’s independent living. I ate in the bistro and it was very, very good, better than a restaurant in the area. It was very spacious and open, and it was all … (read more)
My girlfriend is in Beaumont Commons Dearborn’s independent living. I ate in the bistro and it was very, very good, better than a restaurant in the area. It was very spacious and open, and it was all … (read more)