With its warm tropical climate and low cost of living, Mississippi is an appealing place to retire. In fact, Mississippi has one of the lowest costs of living in the country and also boasts low taxes. Of the state’s 2.9 million people, 16.4% are over the age of 65. Many interesting things to do are found along Mississippi’s vast coastline, and seniors can spend their retirement lounging by the beach along the Gulf Islands National Seashore or seeing the animals at the Institute for Marine Mammal Studies.

For seniors who don’t need daily living help, independent living is a good senior living choice. It provides the benefits of community activities, low-maintenance housing and occasional wellness checks without the oversight of assisted living. In Mississippi, independent living is an affordable option, with an average monthly cost of just $2,414, according to data in the 2020 Genworth Cost of Care Survey.

This guide explores the costs of independent living and resources Mississippi seniors can tap to make their retirement as independent and carefree as possible.

The Cost of Independent Living in Mississippi

Note: Even though there isn’t a definitive report on how much Independent Living costs in each state, it’s usually 30-40% less expensive than Assisted Living. So we reduced the Assisted Living costs reported in Genworth’s 2021 Cost of Care Survey by 35% to calculate the Independent Living costs in this guide. 

Mississippi’s average monthly Independent Living cost is just $2,275, which is $650 less than the national average of $2,925. The Magnolia State’s average is lower than all four bordering states, ranging from $2 in Alabama, which averages $2,277 per month, to $393 in Tennessee, which is $2,668 per month. Louisiana and Arkansas share similar costs, averaging $2,436 and $2,444 per month, respectively.

$2275

Mississippi

$2925

The United States

$2277

Alabama

$2436

Louisiana

$2444

Arkansas

$2668

Tennessee

In Mississippi, Independent Living is more expensive in cities than in rural areas. Cities charge between $195 and $553 more than the state average, such as Gulfport, where Independent Living costs $2,470 per month, or Jackson, where it costs $2,828. Independent Living costs in Hattiesburg and Baton Rouge, LA, both average $2,681 per month. Florence, AL, and Memphis, TN, also share similar averages of $2,698 and $2,730, respectively, which is $423 and $455 more than Mississippi’s statewide average.

$2470

Gulfport

$2681

Hattiesburg

$2828

Jackson

$2681

Baton Rouge, LA

$2698

Florence, AL

$2730

Memphis, TN

In Mississippi, Independent Living tends to be one of the most affordable senior care options available. Adult day care is the least expensive option, costing an average of $1,408 per month, $867 less than Independent Living. Home care and Home Health Care costs both average $3,813 monthly. Nursing homes cost between $7,118 and $7,314 per month, depending on whether seniors choose semiprivate or private rooms. Assisted living costs $3,500 per month or $1,275 more than Independent Living.

$2275

Independent Living

$3813

Home Care

$3813

Home Health Care

$1408

Adult Day Care

$3500

Assisted Living

$7118

Nursing Home (semiprivate)

$7314

Nursing Home (private)

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

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 Mississippi.

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 Mississippi

Seniors in Mississippi can find a range of options to pay for independent living. Though this is typically not a covered insurance cost, options like reverse mortgages, long-term care insurance and retirement savings can make it an affordable option. Some seniors can sell or rent out their homes and use the proceeds to pay for their independent living community. Learn more about locations offering independent living, the costs of independent living and your options to pay for this type of care.

Independent Living Resources in Mississippi

Mississippi has a number of services available to seniors. Many of these strive to help seniors maintain their independence as long as possible and are available at little to no charge. 

Resource
Contact 
Service
(601) 359-4929
Through the Office of Elder Justice and Adult Protective Services, seniors in Mississippi access pension counseling programs and legal assistance. This group also helps protect seniors against abuse and neglect by overseeing independent living communities and ensuring seniors receive adequate care while living in them.
(800) 498-1804
Mississippi residents 60 and older can get civil legal services through the North Mississippi Rural Law Services Elder Law Project. These legal services are free of charge and are designed for vulnerable, rural populations. NMRLS Elder Law Project partners with six Area Agencies on Aging throughout the state to give this help to local seniors.
(800) 773-1737
The Mississippi Center for Legal Services provides legal advice and support to people in the state who are considered lower-income, and many seniors qualify for these services. It offers help with elder law issues, federal insurance and income programs, and disability law, among other concerns.
(877) 203-5632
The Mississippi VA office is ready to assist elderly veterans with getting the care they earned through their military service. Veterans can contact their local office to learn more about insurance and pension options they may qualify to receive. Mississippi also operates a network of State Veterans Homes that can provide a place to recover after a surgery or illness.
(601) 359-4500
Through SHIP, seniors in Mississippi can get counseling regarding health insurance, Medicare and Medicaid from qualified, unbiased counselors. This program, available through local Area Agencies on Aging, makes it easier for seniors to understand their health insurance options and long-term care choices. An appointment with a SHIP counselor can ensure seniors are using all of the potential resources available to them.
(601) 359-4500
Seniors living in independent living communities can receive advocacy help from the Mississippi Long-Term Care Ombudsman. This program oversees long-term care facilities and protects seniors against abuse and neglect. Those who feel they may not be receiving adequate care can contact the Ombudsman for help.

COVID-19 Rules for Independent Living in Mississippi

The following information is based on research done on several government websites, including msdh.ms.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 Mississippi 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 Mississippi 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 Mississippi 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 Mississippi

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

Lakeland Seniors Apartments

848 Lakeland Dr, Jackson, MS, 39216

I toured Lakeland Seniors Apartments. The community seemed very nice. The residents were very nice, and the ladies that work in the office were excellent. One of them took me on a tour of a one-bedroo … (read more)
I toured Lakeland Seniors Apartments. The community seemed very nice. The residents were very nice, and the ladies that work in the office were excellent. One of them took me on a tour of a one-bedroo … (read more)

2021, 2022

The Waterford on Highland Colony

619 Highland Colony Parkway, Ridgeland, MS, 39157

I toured this facility recently and ate lunch with some of my friends that lived there. It was excellent. The tour was very informative and the place is beautiful! That is where I’m going when I re … (read more)
I toured this facility recently and ate lunch with some of my friends that lived there. It was excellent. The tour was very informative and the place is beautiful! That is where I’m going when I re … (read more)

Holiday Chateau Ridgeland

745 S Pear Orchard Rd, Ridgeland, MS, 39157

I toured Holiday Chateau Ridgeland for my husband. We walked around and she showed me the different areas and places. Overall, it was nice. She also showed me the room. It was good accommodation. They … (read more)
I toured Holiday Chateau Ridgeland for my husband. We walked around and she showed me the different areas and places. Overall, it was nice. She also showed me the room. It was good accommodation. They … (read more)

SummerHouse Beau Ridge I

650A Highland Colony Parkway, Ridgeland, MS, 39157

I have lived here since it opened I have met and made great friends. We have always been like a family. Changes are being made due to being sold to a large corp. we are getting acquainted and feel w … (read more)
I have lived here since it opened I have met and made great friends. We have always been like a family. Changes are being made due to being sold to a large corp. we are getting acquainted and feel w … (read more)

The Blake at Township

608 Steed Road, STE A, Ridgeland, MS, 39157

All of the employees at this facility were helpful and pleasant. They seemed to make a genuine effort to make sure that he was comfortable and well taken care of. The rooms were very bland in decor, … (read more)
All of the employees at this facility were helpful and pleasant. They seemed to make a genuine effort to make sure that he was comfortable and well taken care of. The rooms were very bland in decor, … (read more)

The Orchard

600 Pear Orchard Rd, Ridgeland, MS, 39157

Even before the lock down, this place has been a nightmare. Starting with the tight ship structure by Sharon the manager, one cannot imagine having every movement of your life detailed as part of reco … (read more)
Even before the lock down, this place has been a nightmare. Starting with the tight ship structure by Sharon the manager, one cannot imagine having every movement of your life detailed as part of reco … (read more)

The Blake at Flowood

350 Town Center Way, Flowood, MS, 39232

I toured The Blake at Flowood, but it’s way too high. The price is ridiculous. They charge the same thing for assisted living and independent living. The community seemed alright, but it was just way … (read more)
I toured The Blake at Flowood, but it’s way too high. The price is ridiculous. They charge the same thing for assisted living and independent living. The community seemed alright, but it was just way … (read more)

St. Catherine’s Village

200 Dominican Dr, Madison, MS, 39110

The country setting of St. Catherine’s Village in Madison, Mississippi, provides tranquil living near a lake and housing options that include homes, cottages and assisted living apartments with separa … (read more)
The country setting of St. Catherine’s Village in Madison, Mississippi, provides tranquil living near a lake and housing options that include homes, cottages and assisted living apartments with separa … (read more)

Independent Living Facilities in Mississippi (4)