Although Nebraska is not as popular for retirees as sunnier spots, the Cornhusker State has a lot to offer its senior residents. The low crime rate is a plus for safety-conscious seniors, and although winters are cold, the rest of the year has plenty of sunshine. In addition, the cost of living is around 10% lower than the national average, allowing older adults to stretch their budget longer in retirement. There’s also plenty for seniors to do, including golf courses, a strong arts scene and events throughout the year. With more than 16% of Nebraska’s 1.9 million people aged 65 and above, it’s easy to find a friend to explore with. 

Independent living offers housing in a community designed for older adults, usually aged 55 and over. These communities are designed for people who live independently, so they don’t provide medical care or personal assistance. However, most take care of outdoor chores and may also offer meals and housekeeping services, allowing seniors to spend more time enjoying their retirement. 

In Nebraska, the average cost of independent living is $2,722 per month. This guide provides seniors with more information about the cost of independent living in the state, funding independent living and resources available for older adults in Nebraska.

The Cost of Independent Living in Nebraska

Note: Independent Living offers seniors an active, independent lifestyle in a residential setting among their peers. We established estimated costs of Independent Living because cost data from an authoritative source isn’t available. Independent Living usually costs 30-40% less than Assisted Living, so we used the Assisted Living prices found in the 2021 Genworth Financial Cost of Care Survey and deducted 35%.

Nebraska’s cost of Independent Living is $276 less than the national average of $2,925 a month. Seniors in the Cornhusker State also pay less for Independent Living than those in most surrounding states. Independent Living costs more in Kansas by $328, Iowa by $190 and Wyoming by $61. However, seniors pay approximately $471 less in South Dakota and $699 less in Missouri.

$2649

Nebraska

$2925

The United States

$2977

Kansas

$2839

Iowa

$2710

Wyoming

$2178

South Dakota

$1950

Missouri

Cost data was only available for three cities in Nebraska. Of those, two have higher costs compared to the state and national averages and one is significantly lower. Nebraska’s capital Lincoln has the highest Independent Living cost at $3,065, and its most populous city, Omaha, has the second-highest cost at $3,024. Alternately, Grand Island’s average cost of Independent Living is $760 less than the state average and $1,036 lower than the national average.

$3065

Lincoln

$3024

Omaha

$1889

Grand Island

The average cost of Adult Day Health Care in Nebraska is $807 less than Independent Living, but it doesn’t include housing. Assisted Living is 35% higher at $4,076 per month and includes personalized assistance with daily activities. Nursing Home Care is much higher, $7,483 for a semiprivate room or $8,289 for a private room, but offers round-the-clock care. Independent Living in Nebraska is about half the cost of receiving long-term care services at home. In-Home Care, also called Homemaker Services, averages $5,148 and Home Health Care costs an average of $5,339 per month.

$2649

Independent Living

$4076

Ass

$1842

Adult Day Health Care

$5148

In-Home Care

$5339

Home Health Care

$7483

Nursing Home Care (semiprivate room)

$8289

Nursing Home Care (private room)

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

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 Nebraska.

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 Nebraska

Although medical insurance doesn’t cover the cost of independent living, there are many ways to fund a move into an independent living community. As housing, transport and food are often included, many seniors find their regular retirement income covers some or all of the monthly costs of independent living. Many people choose an independent living community when downsizing and use the proceeds from the sale of their homes to fund their new lifestyle. Seniors may also wish to consider renting their property or using its equity by taking out a reverse mortgage. Our guide to independent living has more information about funding options. 

Independent Living Resources in Nebraska

Older adults can access a range of different resources to assist them as they age. Seniors in Nebraska considering moving to an independent living community may find the following resources helpful as they transition to their new living arrangements. 

Resource
Contact
Service
(402) 471-2307
The State Unit on Aging oversees funding for a range of services that help seniors in the state and maintains Nebraska’s Aging State Plan. The unit’s website includes links to different resources and programs available to seniors throughout the state, including legal services, senior employment and insurance programs.
(844) 843-6364
Nebraska’s Area Agencies on Aging work with Aging and Disability Resource Centers to provide information and support to seniors and people with a disability throughout the state. Seniors can find local resources through the ADRC app, Arounja, as well as the eight AAAs located around the state. The exact services available in each AAA differ but can include meals, case management and medical equipment loans.
(800) 234-7119
Nebraska SHIP is the state health insurance assistance program. SHIP counselors are trained to provide advice about Medicare and other health insurance related issues. As well as a toll-free helpline, counselors meet one-on-one with seniors to support them as they make decisions about health insurance options, benefits and policies. 
(800) 527-7249
The Legal Assistance Program provides legal advice to older Nebraskans. The program is offered jointly by AAAs and Legal Aid of Nebraska, and it can help seniors who have legal questions about health care, fraud, guardianship and other issues of concern to older residents. Seniors can access assistance through their local AAA. 
(402) 471-2458
Older Nebraskans who served in the military can access a range of services through the Department of Veterans Affairs. Benefits experts are available in county offices to help seniors identify and apply for benefits designed to help veterans. The DVA also keeps a voluntary registry of veterans to help people verify their eligibility for state benefits.
(402) 471-2307
Senior centers can be found throughout Nebraska, providing opportunities for recreation and social activities to older adults in the area. Services available differ between locations but often include congregate meals, transportation, volunteer opportunities and information and referral services. 

COVID-19 Rules for Independent Living in Nebraska

The following information is based on research done on several government websites, including dhhs.ne.gov/Pages/COVID-19. 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 Nebraska 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 Nebraska 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 Nebraska 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 Nebraska

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

Holiday Rolling Hills Ranch

4324 N 132nd St, Omaha, NE, 68164

I have nothing but good things to say about Rolling Hills Ranch. The staff is super friendly and the facilities are very nice. The food is excellent and they have all kinds of entertainment and activi … (read more)
I have nothing but good things to say about Rolling Hills Ranch. The staff is super friendly and the facilities are very nice. The food is excellent and they have all kinds of entertainment and activi … (read more)

Crown Pointe

2820 South 80th, Omaha, NE, 68124

Crown Pointe assisted living center is located on a quiet residential street in Omaha away from the traffic and noise. The location is peaceful, yet still close to shopping, golf courses and Creighton … (read more)
Crown Pointe assisted living center is located on a quiet residential street in Omaha away from the traffic and noise. The location is peaceful, yet still close to shopping, golf courses and Creighton … (read more)

2018

Walnut Grove

4901 South 153rd Street , #121, Omaha, NE, 68137

Everyone here in Walnut Grove is very friendly. It’s a very clean place. The food is very good and housekeeping is very good. We are in a two-bedroom. It’s small, but it’s comfortable. For the residen … (read more)
Everyone here in Walnut Grove is very friendly. It’s a very clean place. The food is very good and housekeeping is very good. We are in a two-bedroom. It’s small, but it’s comfortable. For the residen … (read more)

2022

Maple Ridge

3525 N. 167th Circle, Omaha, NE, 68116

We toured Maple Ridge Retirement Community, and it’s very impressive. When you first walk in, there’s a pond with koi and a fountain. It’s pretty posh, I guess you would say. The rooms were all reno … (read more)
We toured Maple Ridge Retirement Community, and it’s very impressive. When you first walk in, there’s a pond with koi and a fountain. It’s pretty posh, I guess you would say. The rooms were all reno … (read more)

Aksarben Village

1330 S 70th St, Omaha, NE, 68106

Located in Omaha, Nebraska, Aksarben Village is close to Elmwood Park and the Crossroads Mall. Residents and their loved ones appreciate the courteous staff at this community. Visitors compliment the … (read more)
Located in Omaha, Nebraska, Aksarben Village is close to Elmwood Park and the Crossroads Mall. Residents and their loved ones appreciate the courteous staff at this community. Visitors compliment the … (read more)

Remington Heights Retirement

12606 West Dodge Road, Omaha, NE, 68154

I visited Remington Heights Retirement. They were great; the staff was knowledgeable and friendly. It’s a little small. They seem to have everything. The location was fine. The dining area was a room … (read more)
I visited Remington Heights Retirement. They were great; the staff was knowledgeable and friendly. It’s a little small. They seem to have everything. The location was fine. The dining area was a room … (read more)

Fountain View Senior Living

5710 S. 108th St, Omaha, NE, 68137

I really liked Fountain View Senior Living among the ones I’ve looked at, so I intend to live there. My impression of the staff is very good. I talk to the directors all the time, they stay in touch w … (read more)
I really liked Fountain View Senior Living among the ones I’ve looked at, so I intend to live there. My impression of the staff is very good. I talk to the directors all the time, they stay in touch w … (read more)

Immanuel Village

6803 North 68th Plaza, Omaha, NE, 68152


Sunridge Village

13410 Blondo Street, Omaha, NE, 68164

I have been living in Sunridge Village for six months. My apartment is fine but bigger than I want. The staff members are all great. The food is very good. It has all been pretty good.
I have been living in Sunridge Village for six months. My apartment is fine but bigger than I want. The staff members are all great. The food is very good. It has all been pretty good.

Franciscan Adult Day Care

900 North 90th Street, Omaha, NE, 68114

My friend has been at New Cassel for two and a half months now. It is owned by Sisters of St. Francis and it is a non-profit place, so the facilities are absolutely beautiful. There is a chapel that l … (read more)
My friend has been at New Cassel for two and a half months now. It is owned by Sisters of St. Francis and it is a non-profit place, so the facilities are absolutely beautiful. There is a chapel that l … (read more)

Bloomfield

9804 Nicholas St, Omaha, NE, 68114

I am going to be living at Bloomfield Forum. It’s lovely and the big factor is it’s in the city, so it’s close to everything. It’s very friendly and the right size, about a hundred people. You don’t h … (read more)
I am going to be living at Bloomfield Forum. It’s lovely and the big factor is it’s in the city, so it’s close to everything. It’s very friendly and the right size, about a hundred people. You don’t h … (read more)

Esprit Whispering Ridge

17555 Emmet Street, Omaha, NE, 68116

Espirit Whispering Ridge provides assisted living and memory care in a beautiful facility just northwest of Omaha. Proximity to Highway 64 and I-680 allows residents to get to the city quickly. A vari … (read more)
Espirit Whispering Ridge provides assisted living and memory care in a beautiful facility just northwest of Omaha. Proximity to Highway 64 and I-680 allows residents to get to the city quickly. A vari … (read more)

Lakeside Village

17475 Frances St, Omaha, NE, 68130

My mom is living at this facility now. It is a lovely place with kind caring staff. Right now during COVID times are difficult and they are doing their best to keep the residents safe and occupied in … (read more)
My mom is living at this facility now. It is a lovely place with kind caring staff. Right now during COVID times are difficult and they are doing their best to keep the residents safe and occupied in … (read more)

Pacific Springs Village

805 South 173rd Court, Omaha, NE, 68118

I used to live in Pacific Springs Village. The major reason why I ended up there was the fact that you had to make a deposit of a certain amount of money but when you left, you could get the money bac … (read more)
I used to live in Pacific Springs Village. The major reason why I ended up there was the fact that you had to make a deposit of a certain amount of money but when you left, you could get the money bac … (read more)

Arboretum on Farnam Drive

8141 Farnam Drive, Omaha, NE, 68114

I have not visited this facility in recent months, however when I last visited they were in the midst of a major remodel project. I have not had a chance to see the results, however I have sever … (read more)
I have not visited this facility in recent months, however when I last visited they were in the midst of a major remodel project. I have not had a chance to see the results, however I have sever … (read more)

Heritage at Sterling Ridge

1111 Sterling Ridge Drive, Omaha, NE, 68144

Heritage at Sterling Ridge was fine, but the apartments were smaller, and the ceilings were lower. They have a very impressive entrance, and they have a lot of things going for them. They have all kin … (read more)
Heritage at Sterling Ridge was fine, but the apartments were smaller, and the ceilings were lower. They have a very impressive entrance, and they have a lot of things going for them. They have all kin … (read more)

Keystone Villas

7350 Graceland Drive, Omaha, NE, 68134


2021

Richmont Village

702 Fort Crook Road South, Bellevue, NE, 68005

Richmont Village is located in Bellevue, Nebraska, next to the Missouri River and bordering the city of Omaha. Family members of residents appreciate the facility’s great location and its hotel-like e … (read more)
Richmont Village is located in Bellevue, Nebraska, next to the Missouri River and bordering the city of Omaha. Family members of residents appreciate the facility’s great location and its hotel-like e … (read more)

The Meriwether

8140 S. 97th Plaza, La Vista, NE, 68128

I like The Meriwether. It’s relatively a new place. It was very nice. It’s newer, and I like that. It was built in 2019, so it was a very new facility. I only met one person, and she was amazing, and … (read more)
I like The Meriwether. It’s relatively a new place. It was very nice. It’s newer, and I like that. It was built in 2019, so it was a very new facility. I only met one person, and she was amazing, and … (read more)

The Heritage at Fox Run

3121 MacIneery Drive, Council Bluffs, IA, 51501

Located in Council Bluffs, Iowa, The Heritage at Fox Run provides easy access to Fox Run Golf Course and Lake Manawa State Park. Residents describe this facility as clean and well-kept with spacious a … (read more)
Located in Council Bluffs, Iowa, The Heritage at Fox Run provides easy access to Fox Run Golf Course and Lake Manawa State Park. Residents describe this facility as clean and well-kept with spacious a … (read more)