For seniors looking for a great place to retire, Utah should be high on the list. The outdoor recreation opportunities found in Utah’s beautiful national parks and the clean air quality are beneficial, and the state has a higher-than-average life expectancy. Utah is one of the top 10 places to retire, according to Kiplinger. These perks may be why 11.4% of the 3.2 million people who call Utah home are age 65 and older.

Independent living communities provide independence without assistance with the activities of daily living. They have perks like community activities, low-maintenance housing and occasional wellness checks. Independent living is ideal for Utah seniors who can take care of their daily living needs but want to enjoy an active, low-stress retirement.

The cost of assisted living in Utah is lower than average compared to both nearby states and the United States as a whole. Based on data from the 2020 Genworth Cost of Care Survey, seniors can expect to pay $2,310 a month for independent living communities in Utah.

This guide explores the costs of independent living in Utah, how seniors can pay those costs and resources they can use to encourage independence throughout their retirement years.

The Cost of Independent Living in Utah

The cost for independent living is typically between 30% and 40% less than assisted living. Using the data from the 2020 Genworth Cost of Care Survey for assisted living averages in Utah and subtracting 35%, seniors can expect to pay about $2,310 a month for an independent living community.

This is quite a bit less than the average across the nation, which is $2,795. It is also lower than nearby states. Arizona’s independent living average is around $2,535 a month, while in Colorado it is $2,974. Wyoming is also higher than Utah, with an average of $2,714, while Nevada is closer at $2,337.

$2310

Utah

$2795

The United States

$2337

Nevada

$2535

Arizona

$2714

Wyoming

$2974

Colorado

Paying for Independent Living in Utah

Independent living communities in Utah are typically more affordable than assisted living and nursing home services, but they still have a cost. Seniors have a number of options to help them pay for this type of living arrangement.

Because medical insurance does not cover independent living community costs, long-term care insurance may. Selling the senior’s home or using it as a rental home, then using those proceeds to pay for independent living costs, is another option. If a senior owns a home that other family members want to live in, a reverse mortgage can free up the funds for independent living.

To get more ideas about how to pay for independent living, visit the independent living guide.

Independent Living Resources in Utah

Utah seniors residing in an independent living community may need additional financial or healthcare assistance from time to time. Throughout the state, resources are available to assist seniors in these areas. Below is a list of the available resources that provide help to seniors and their caregivers to encourage independent living.

ResourceContact Service
Utah Legal Services(801) 328-8891Utah Legal Services provides free legal help to low-income Utah residents, including many seniors living on a fixed income. Three offices located in Salt Lake City, Provo and St. George serve the entire state. Seniors can get help with Social Security and Medicare cases, housing problems, estate planning and guardianship cases through this program.
Utah Senior Health Insurance Program(800) 772-1213Seniors in Utah can contact the Utah Division of Aging and Adult Services to get free counseling about their Medicare health insurance choices. This counseling is through the Senior Health Insurance Program. SHIP counselors are unbiased and offer one-on-one counseling to help seniors find and utilize their Medicare benefits.
Utah Nutrition Program(801) 538-4171Through local senior centers and the Meals on Wheels program, the Utah Department of Human Service’s Nutrition Program ensures seniors get adequate food. Seniors can contact their local Area Agency on Aging to find out about nutrition programs in their areas or to request a nutrition assessment to ensure they’re getting enough healthy foods.
Utah 211211Utah’s 211 hotline provides free, confidential help to anyone who calls. This program connects seniors and other needy Utah individuals with organizations and programs that can help them with their financial or healthcare needs.
Utah Area Agencies on Aging(801) 538-4171Seniors can connect with resources available to them in their local communities by connecting with the local Area Agency on Aging. The AAA provides help for seniors and their caregivers to understand their rights and take advantage of assistance programs that are open to them. Types of programs include nutrition assistance, transportation assistance, SHIP counseling, senior centers and utility assistance.
Utah Department of Veterans Affairs(801) 326-2372Seniors in Utah who served in the armed forces can get help and support through the Department of Veterans Affairs. This may include access to medical care, medical insurance, financial support and burial or insurance services.