Located in the northeast portion of the United States and bordering Lake Erie, Ohio is an option for seniors looking to retire. The cost of living throughout the state is lower than the national average. Seniors can expect to pay less for healthcare, groceries, housing and transportation. The state is also tax-friendly for retirees. Social Security is fully exempt from state income tax, and there are credits available for pension and retirement accounts. The state also gets around 173 sunny days per year, with average July highs of 84 degrees and winter lows around 20 degrees. Summers are comfortable for exploring the outdoors, and during winter, the state gets approximately 28 inches of snow.

Independent living allows active seniors to maintain their privacy and live healthy lives for as long as possible with support if it’s ever needed. Independent living communities are maintenance-free and provide everything needed to live stress-free. The average independent living community in Ohio costs $2,827 per month.

This guide covers the cost of independent living in the state, ways to pay for it and a list of available resources in the state geared to help seniors. 

The Cost of Independent Living in Ohio

The cost of independent living varies in cost from 30 to 40% cheaper than assisted living. We estimated the cost of independent living throughout the region by subtracting 35% of the cost of assisted living from the 2020 Genworth Cost of Care Survey. The cost of independent living in Ohio is around $2,827 per month. This is $32 more than the national average. Comparing surrounding states, Ohio seniors can expect to pay more than those in Pennsylvania ($2,571), West Virginia ($2,600) and Michigan ($2,730). Located to the west, Indiana costs a little more at $2,848 per month. 




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Paying for Independent Living in Ohio

Independent living costs are typically not covered by insurance. However, those with long-term care insurance may have some home and community-based services covered under their policy. Many seniors rely on retirement income to pay for independent living; however, other options include pensions, Social Security Income, reverse mortgages, veterans benefits and annuities. The U.S. Department of Housing and Urban Development has several programs that help low-income seniors secure safe and affordable living quarters, including public housing and rental assistance or vouchers. To learn more about various options to pay, read our guide to independent living.

Independent Living Resources in Ohio

Ohio has many low-cost and free resources for seniors throughout the state. The following is a list of a few of the most common.

Ohio Department of Aging(800) 266-4346The Ohio Department of Aging provides services and programs to older adults throughout the state. These programs are funded by Medicaid, the federal Older Americans Act and other state and federal agencies. These programs and services are coordinated by local Area Agencies on Aging. Top programs include Meals on Wheels, transportation, health and fitness, home maintenance, insurance counseling and help locating long-term care.
Advocates for Basic Legal Equality (ABLE)(800) 837-0814ABLE is a nonprofit agency that provides low-income and elderly adults with free legal services. The agency works to help protect the rights of seniors from elderly abuse and assists with fraud.
Help Network of Northeast Ohio(330) 747-2696The help network offers referrals and support services to seniors ages 55 and up throughout northeast Ohio. Some of these services include providing assistive devices to the hearing impaired, resolution services for disputes involving civil action, information on food pantries, free meal locations and local senior centers and community centers.
Vantage Aging(330) 253-4597Vantage Aging promotes successful aging through multiple programs and services for those 55 and older. These services include employment opportunities, health and fitness, meals, transportation, wellness checks and home and community-based services.
Ohio Department of Veterans Services(614) 644-0898The Ohio Department of Veterans Services helps those who served sign up and receive benefits and compensation. The department can also assist beneficiaries with obtaining the benefits they are entitled to. Those in long-term care may receive help paying for home and community-based services. Other help includes employment, education, healthcare and counseling.