Independent Living in New Jersey
New Jersey is a state filled with fun and easy access to amazing amenities. From the bright lights of Atlantic City to the crashing waves of Ocean City, this New England area keeps seniors on the go. Independent living is an affordable option for anyone considering retirement to the Garden State even though New Jersey has the highest property taxes in the nation because seniors often only pay a rental fee when living in a senior community. Other senior income at or below an annual total of $75,000 is not taxed or taxed at a low rate. The cost of living is generally below the national average throughout the state, particularly for healthcare expenses.
Senior apartments and independent living communities allow seniors to continue living alone or with a spouse, while also offering some help with more labor-intensive chores. For example, communities handle all outdoor maintenance, including snow removal and lawn care, allowing residents to enjoy garden time without the physical labor. Entertainment, social activities and meals may be included in the monthly rent.
This guide offers a look at how much independent living typically costs in New Jersey, along with free and low-cost resources that are of interest to many seniors.
The Cost of Independent Living in New Jersey
Note: Independent Living provides a residential setting with other seniors but without the nursing and supportive care normally received in Assisted Living, which is why it usually costs 30-40% less. Since there aren’t any average costs established for Independent Living, we estimated these costs based on the costs of Assisted Living listed in the 2021 Genworth Financial Cost of Care Survey minus 35%.
New Jersey’s average cost of Independent Living is almost $1,300 more per month than the national average. It’s also higher than the surrounding states. Delaware is the closest in cost at only $325 less than New Jersey, followed by Connecticut at $888 less per month. New York has a much lower average cost, which is $1,245 less than New Jersey’s. Pennsylvania’s cost is even lower at $1,557 less per month compared to New Jersey.
The United States
New Jersey’s capital, Trenton, has one of the highest costs of Independent Living. At $5,294, it’s even higher than the state average. Ocean City, on the coastal Jersey Shore, is also higher at $4,869. At $4,160, Vineland’s costs are lower than the state average but still higher than the national average. Atlantic City has one of the lowest average costs of Independent Living in the state, but at $3,775, it’s also still higher than the national average.
While Independent Living works well for seniors who don’t need help with personal tasks, they have several senior care options to choose from. Assisted Living, which averages $6,495, provides personalized supportive care in a residential environment. Nursing Home Care offers a higher level of care and runs $11,254 for shared rooms or $12,151 for private rooms. Seniors can age in place at home at around $5,529 per month for In-Home Care or $5,710 for Home Health Care. Nonresidential Adult Day Health Care runs an average cost of $1,950 in New Jersey.
Adult Day Health Care
Home Health Care
Nursing Home Care (semiprivate room)
Nursing Home Care (private room)
Can You Use Medicare or Medicaid to Pay for Independent Living in New Jersey?
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 New Jersey.
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 New Jersey
Independent living may come with a wide variety of support services, or it may be simply a community of folks at a similar stage of life all living in the same place. In general, there are a few resources available to help with basic rental costs for seniors. Some financing options might include a reverse mortgage. If a senior has dependents that wish to continue living at home, a reverse mortgage allows them to use their home equity to finance independent living without rehoming their loved ones. For seniors living alone or with others who also intend to move to senior housing, selling a house is another option. Long-term care insurance may also pay for some of the costs.
Independent Living Resources in New Jersey
Seniors considering retirement in New Jersey may need access to a variety of supportive services. Below is a list of some public and private resources that offer low or no-cost services to seniors.
COVID-19 Rules for Independent Living in New Jersey
The following information is based on research done on several government websites, including state.nj.us/health/legal/covid19. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/10/2022, 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.
Are loved ones allowed to visit to provide emotional support?
Are relatives allowed to visit for end-of-life care?
Are residents required to quarantine after visiting with a loved one?
Are visitors required to wear PPE (including masks) in order to visit residents?
Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?
Does the state recommend or require that senior living facilities assist families with setting up virtual visit alternatives?
Are visitors checked for elevated temperatures?
Are visitors required to answer questions about health, travel, and potential virus contact?
Outings & Social Activities
Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?
Are residents who leave required to quarantine when they return?
Are senior living communities required to cancel all group outings?
Are residents allowed to eat meals together in a common area?
Are residents allowed to gather in common areas for group activites?
COVID-19 Safety Measures for Staff and Residents
Are staff members regularly required to do a temperature check?
Are staff members regularly tested for COVID-19?
Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?
Are residents regularly screened for COVID-19 symptoms?
Are residents regularly checked for elevated temperatures?
Are residents regularly tested for COVID-19?
Find Independent Living Communities in New Jersey
Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in New Jersey, simply put that in the search bar below.
328 East Mt Pleasant Ave, Livingston, NJ, 07039
49 Fulton Street, New York, NY, 10038
110 Vose Avenue, South Orange, NJ, 07079
15 Church St., Bloomfield, NJ, 07003
219 South Orange Avenue, South Orange, NJ, 07079
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Independent Living Facilities in New Jersey (19)
- Bridgewater, NJ (2)
- Burlington, NJ (3)
- Cherry Hill, NJ (3)
- Clifton, NJ (2)
- Denville, NJ (3)
- Edison, NJ (2)
- Hackettstown, NJ (2)
- Jackson, NJ (2)
- Lakewood, NJ (2)
- Lambertville, NJ (2)
- Marlton, NJ (2)
- Monroe Township, NJ (4)
- South Orange, NJ (2)
- Teaneck, NJ (2)
- Tinton Falls, NJ (2)
- Toms River, NJ (3)
- Trenton, NJ (2)
- Voorhees, NJ (3)
- Wayne, NJ (2)