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.

$4222

New Jersey

$2925

The United States

$3897

Delaware

$3334

Connecticut

$2977

New York

$2665

Pennsylvania

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.

$5294

Trenton

$4869

Ocean City

$4160

Vineland

$3775

Atlantic City

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.

$4222

Independent Living

$6495

Assisted Living

$1950

Adult Day Health Care

$5529

In-Home Care

$5710

Home Health Care

$11254

Nursing Home Care (semiprivate room)

$12151

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. 

Resource
Contact 
Service
(877) 222-3737
AAA and ADRC locations both act as administrative agencies for various local, state and federal programs designed to provide seniors with assistance. Each of New Jersey's 21 counties has a local AAA/ADRC office that can assist with benefits applications, transportation assistance, meal delivery and other programs available to seniors that can extend their stay in the community. 
(800) 882-6597
The extremely high property tax rate in New Jersey may seem like a barrier for those interested in retiring to this state. However, the Senior Freeze Program allows seniors to significantly reduce tax liability associated with homeownership. The program offers seniors refunds for any increases in taxes for the new year, backdated to the year the senior first qualified for the program. This insulates seniors from rising costs and helps keep property ownership affordable. 
(888) 687-2277
Seniors in New Jersey may be eligible for free assistance with tax filing through an AARP-funded program. The Tax-Aide program connects eligible seniors with volunteer tax professionals who can help them navigate the complexity of filing taxes and maximizing access to benefits. Volunteers are IRS-certified and located nationwide. Assistance is available online and via phone, in addition to in-person options.
(800) 792-8820
Navigating through the choices available when selecting Medicare insurance can be complicated. Original Medicare and Medicare Part C offer comparable coverage, but nuances can directly impact out-of-pocket costs. Seniors with specific health issues may qualify for plans not available to the general population, while seniors in certain income brackets may qualify for premium assistance programs. SHIP offers unbiased counseling to seniors, explaining what plans cover, how benefits work in action and are on-hand to answer any insurance-related questions seniors may have. 
(800) 792-9745
The NJSave program offers a streamlined application for state assistance programs that may pay some or all of an applicant's Part B Medicare premiums or provide out-of-pocket help with prescription costs. It may also offer a small, annual energy assistance benefit and/or help to pay for hearing aids. 
(800) 792-9745
PAAD is a state-funded program designed to help seniors meet the financial cost of prescription medications. Seniors with existing insurance through Medicare may need help during coverage gaps or with expensive medications. This program is available to seniors who meet income restrictions, but it's more expensive than Medicaid, opening this program up to a wider range of seniors. Seniors can use the NJSave application to also apply for PAAD.

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.

Visitation Policies

Rules for New Jersey 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 (Conditions Apply)

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

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 New Jersey 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 New Jersey 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 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.

2012, 2014, 2015

Brookdale Battery Park City

455 North End Avenue, New York, NY, 10282

Brookdale Battery Park City is wonderful. It’s just that we could not afford that much money. The staff is also wonderful. During the tour, they showed us 1-bedroom and 2-bedroom apartments. They host … (read more)
Brookdale Battery Park City is wonderful. It’s just that we could not afford that much money. The staff is also wonderful. During the tour, they showed us 1-bedroom and 2-bedroom apartments. They host … (read more)

2022

Esplanade

1415 Richmond Avenue, Staten Island, NY, 10314

We’re gonna put mother-in-law in Esplanade. The woman who showed us around was absolutely phenomenal. She was professional, friendly, and knowledgeable. Any questions we had, she answered. She made he … (read more)
We’re gonna put mother-in-law in Esplanade. The woman who showed us around was absolutely phenomenal. She was professional, friendly, and knowledgeable. Any questions we had, she answered. She made he … (read more)

The Society House

328 East Mt Pleasant Ave, Livingston, NJ, 07039

An extremely caring staff. Very accommodating when arranging visits and having my friend ready to take out to attend university affairs.
An extremely caring staff. Very accommodating when arranging visits and having my friend ready to take out to attend university affairs.

Harbour View Senior Living

3505 Bergen Turnpike, North Bergen, NJ, 07047


St Margaret’s House

49 Fulton Street, New York, NY, 10038

St Margaret’s House Inc. was very good and everything. It looked kind of comfy. It wasn’t really for me, but for an elderly person that I was checking it out for. The rooms were quite big and there we … (read more)
St Margaret’s House Inc. was very good and everything. It looked kind of comfy. It wasn’t really for me, but for an elderly person that I was checking it out for. The rooms were quite big and there we … (read more)

Village Apartments of the Jewish Federation

110 Vose Avenue, South Orange, NJ, 07079

Village Apartments is run by The Jewish Federation and it’s very nice. They have buses that go to Shoprite, movies, and things like that. I think it’s a diverse community, too. The staff seemed to be … (read more)
Village Apartments is run by The Jewish Federation and it’s very nice. They have buses that go to Shoprite, movies, and things like that. I think it’s a diverse community, too. The staff seemed to be … (read more)

The Parkview

15 Church St., Bloomfield, NJ, 07003

The Parkview was horrible. The place was rundown. I really felt uncomfortable there. I walked straight into the home, and no one greeted me. There was a lady, who was a resident, and I think she had s … (read more)
The Parkview was horrible. The place was rundown. I really felt uncomfortable there. I walked straight into the home, and no one greeted me. There was a lady, who was a resident, and I think she had s … (read more)

2016

Horizon Manor North

73 Overlook Road , Upper Montclair, NJ, 07043


Jewish Federation Plaza

750 Northfield Avenue, West Orange, NJ, 07052



Horizon Manor South

89 Christopher Street, Montclair, NJ, 07042


The Woodlands

9 Woodlands Ave., Glen Ridge, NJ, 07028