The picturesque New England state of Vermont is home to over 620,000 residents and has a large senior community that accounts for one-fifth of its population, providing plenty of social and recreational opportunities for retirees. Among the state’s most well-known attractions is Stowe Mountain Resort, which has dining and shopping amenities and gondolas that carry sightseers to the summit for scenic summer and autumn views of the region. The state also has a large park system with fishing lakes, trails, bird-watching and boating. Its overall cost of living is about 5% below the national average, making it a budget-friendly option for retirees. Year-round temperatures are relatively pleasant, and while winters are very cold and snowy, the rest of the year is comfortable.    

Independent living communities, also known as 55+ communities, are ideal for older adults seeking a low-maintenance lifestyle. These communities offer services, such as meals, housekeeping and grounds services, social and recreational activities and transportation services. On average, seniors in Vermont pay $3,452 per month for independent living services, which is several hundred dollars higher than the national median.

This guide highlights options for covering local services and lists some statewide organizations that serve older adults.   

The Cost of Independent Living in Vermont

Note: Generally, Independent Living facilities cost anywhere between 30%-40% less than Assisted Living providers. Because of a lack of authoritative resources for Independent Living costs in the United States, we calculated the estimates by reducing the average Assisted Living costs listed on Genworth’s 2021 Cost of Care Survey by 35%.

In the Northeast, Independent Living costs outpace the national average of  $2,925. In Vermont, Independent Living providers charge an average of $3,413 per month, which is $488 more than the U.S. average. Most states near Vermont also charge more per month for Independent Living, such as Maine ($3,812), New Hampshire ($3,934) and Massachusetts ($4,225).  New York bucks the trend, costing just $2,977 per month or $436 below Vermont’s state average.

$3413

Vermont

$2925

The United States

$2977

New York

$4225

Massachusetts

$3934

New Hampshire

$3812

Maine

Nearby cities’ costs for Independent Living range substantially, anywhere from $2,058 below Vermont’s average, such as in Pittsfield, MA ($1,355), to $1,827 above the statewide average, such as in Manchester, NH ($5,240). Burlington averages $4,141 per month in Independent Living costs, $728 above the state average. Prices in Albany, NY, practically match Vermont’s average at $3,425 per month, just $12 above.

$4141

Burlington

$5240

Manchester, NH

$3281

Springfield, MA

$1355

Pittsfield, MA

$3425

Albany, NY

Other types of senior living in Vermont cost substantially more than Independent Living except for Adult Day Care ($3,224), which is $189 less expensive. Assisted Living ($5,250) is the next most affordable senior care option. Home Care and Home Health Care, which includes medical support, both cost $5,720. Nursing Home costs average between $10,585 and $11,102 per month, depending on semiprivate or private boarding, respectively. 

$3413

Independent Living

$5720

Home Care

$5720

Home Health Care

$3224

Adult Day Care

$5250

Assisted Living

$10585

Nursing Home (semiprivate room)

$11102

Nursing Home (private room)

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

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 Vermont.

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 Vermont

One of the primary things for an individual to consider before transitioning to an independent living community is how they can pay for costs. While medical insurance, including Medicare, doesn’t pay for services in these communities, long-term care insurance, certain Medicare Advantage plans and Medicaid may cover some costs, reducing total out-of-pocket expenses. Some older adults opt to sell their homes and use proceeds to cover costs, while those who want to retain ownership may rent out their homes or take out a reverse mortgage. Other options include cashing out a life insurance policy, tapping into long-term investments or choosing a community where costs, such as meals and transportation, are included in the monthly rate, which may free up some income for other expenses.  

Independent Living Resources in Vermont

Vermont residents have support from numerous government and private nonprofit organizations. The following resources help older adults live in the community and maintain their independence and safety, even as their needs evolve. They also help seniors find discounts on goods and services and connect with recreational programming and volunteer opportunities.  

Resource 

Contact 

Service 

AARP Vermont is a statewide nonprofit membership organization open to those aged 50 and over. Through this membership, individuals have access to hundreds of exclusive discounts for travel, entertainment, services restaurants and shopping. The program has additional benefits, such as discounts on prescriptions, auto insurance savings, access to dental and vision insurance, condo and renter’s insurance and financial counseling.

(802) 828-3379 

Vermont’s Office of Veteran Affairs helps veterans and their spouses access state and federal benefits, such as special licenses plates, hunting and fishing licenses, park passes, tax breaks and health and life insurance. The office can also assist individuals in applying for benefits that may cover independent living expenses, including veterans’ and survivors’ pensions.

(802) 578-7094 

There are five Area Agencies on Aging in Vermont, each with a designated service area. These local nonprofit programs administer a range of services to help older adults maintain their independence and quality of life, including options counseling, congregate meals, social and recreational programs and transportation services.

(800) 942-2677 

RSVP is a nationwide nonprofit program that connects those aged 55 and over with volunteer opportunities that fit their interests, work experience and schedules. Through this organization, participants get one-on-one help with finding volunteer opportunities in their communities, including mentoring and tutoring programs, serving as ushers in performing arts centers, sharing information at libraries and museums and providing administrative support for local charities and nonprofits. In exchange for their service, volunteers receive supplemental liability insurance, regular newsletters and invitations to recognition events. 

(800) 642-5119 

Vermont’s State Health Insurance Program provides confidential health insurance options counseling for Medicare beneficiaries. Through this program, individuals meet one-on-one with trained volunteers for free, unbiased help with understanding their Medicare coverage or comparing private insurance options, such as long-term care insurance and Medicare Advantage. Volunteers can also screen for eligibility for Medicaid, Medicare Savings Programs or prescription drug assistance.

2-1-1 

(802) 652-4636 

(866) 652-4636 

Vermont 2-1-1 is a service of United Way, a nonprofit organization that promotes financial stability, health and quality of life for those in the community. Through this free service, older adults get confidential over-the-phone help with finding resources in the community, such as social and recreational activities, wellness services, vaccine clinics and housing and utility assistance. Vermont 2-1-1 also partners with the Volunteer Income Tax Assistance program to provide free tax assistance to older adults.

Vermont Community Action Partnership is a nonprofit organization that provides a broad range of programs and services to qualifying individuals in the state. Services vary by location, but some local programs offer free legal advice and assistance, social and recreational programs, emergency financial assistance and health insurance options counseling.

COVID-19 Rules for Independent Living in Vermont

The following information is based on research done on several government websites, including healthvermont.gov/covid-19. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/15/2022, 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 Vermont 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 Vermont 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 Vermont 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 Vermont

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

2013

The Residence at Shelburne Bay

185 Pine Haven Shores Road, Shelburne, VT, 05482


The Residence at Quarry Hill

465 Quarry Hill Road, South Burlington, VT, 05403


Harbor Village Senior Communities

90 Allen Rd, South Burlington, VT, 05403

We liked Harbor Village Senior Communities because it would meet all of my mother-in-law’s needs. It seemed like a nice community where she would have a sense of belonging, but also be able to maintai … (read more)
We liked Harbor Village Senior Communities because it would meet all of my mother-in-law’s needs. It seemed like a nice community where she would have a sense of belonging, but also be able to maintai … (read more)

Williston Place

422 Blair Park Rd, Williston, VT, 05495

I did a tour of Williston Place. It’s the newest installation, and there were a couple of good things. It was built over a parking garage, so you’d have parking out on the snow. Although, they do snow … (read more)
I did a tour of Williston Place. It’s the newest installation, and there were a couple of good things. It was built over a parking garage, so you’d have parking out on the snow. Although, they do snow … (read more)

Pines Senior Living Community

7 Aspen Drive , South Burlington, VT, 05403

Pines Senior Living Community is in a great location that I prefer to be in. The facility is very clean. There are fewer community activities, but I think I could make it work. They have some exercise … (read more)
Pines Senior Living Community is in a great location that I prefer to be in. The facility is very clean. There are fewer community activities, but I think I could make it work. They have some exercise … (read more)

Independent Living Facilities in Vermont (2)