Home to stunning volcanoes, expansive deserts, evergreen forests and pristine lakes, rivers, and coastline, the state of Washington combines natural beauty with luxurious cities and world-class arts and culture. These are just a few of the reasons why the state’s 1.2 million seniors enjoy a high quality of life. USA Today ranked Washington as one of the ten best states for older Americans

Independent living communities provide housing for seniors who require very little or no help with daily activities. In most cases, they are 55+ or older locations with a variety of amenities designed to make life easier and more pleasurable for older adults. Pools, gardens, courtyards and activity centers are all common in independent living, and many also include luxury features such as libraries, movie theaters, spas and gyms. The average cost of independent living in Washington state is $3,738 per month.  

This guide provides more detailed information about the costs of independent living in Washington as well as programs that can help pay for it. We also link to helpful resources related to independent living. 

The Cost of Independent Living in Washington

Note: There’s no clear pricing information for Independent Living communities in Washington, however, this type of senior living is 30-40% less expensive than Assisted Living. An estimate for Independent Living can be calculated by subtracting 35% from the Assisted Living cost information from Genworth Financial’s Cost of Care Survey for 2021.

In Washington, seniors and families pay about $1,000 more monthly for Independent Living than the national average of $2,925 per month. This makes Washington one of the more expensive states for this type of senior community. The only nearby state that has higher costs is Alaska, where the median monthly price is $4,440. Idaho seniors pay an average of $2,495 per month for Independent Living while Oregon seniors, Washington’s southern neighbor, pay about $3,279 per month. The monthly average in Montana is $2,893, which is similar to the national average.

$3900

Washington

$2925

The United States

$2495

Idaho

$3279

Oregon

$4440

Alaska

$2893

Montana

Because Washington is such a diverse state, both geographically and economically, Independent Living costs vary greatly. At the low end of the range is the city of Walla Walla with an average cost of $2,087 per month. Seattle, the state’s largest city, is at the high end of the range with a median rate of $4,388 per month, and the state capital Olympia has an average monthly price of $3,123. Spokane, in the far west, and Bellingham, in the far north, have average monthly costs of $3,177 and $2,990, respectively.

$4388

Seattle

$3177

Spokane

$3123

Olympia

$3234

Yakima

$2990

Bellingham

$2087

Walla Walla

Other than Adult Day Care, which costs an average of $2,600 per month, Independent Living is the most affordable type of senior living in Washington. Seniors who age in place pay about $6,547 per month for In-Home Care and about $6,578 per month for Home Health Care. Assisted Living in the state has a median price of $6,000 per month, which is more expensive than Independent Living due to the additional services provided. Nursing Home Care, which is the highest level of care available, costs an average of $9,429 per month for a semiprivate room. 

$3900

Independent Living

$6547

In-Home Care

$6578

Home Health Care

$2600

Adult Day Care

$6000

Assisted Living Facility

$9429

Nursing Home Care

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

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 Washington.

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 Washington

Seniors in Washington have quite a few ways to pay for independent living. For property owners with a lot of equity, selling a home can provide more than enough cash long term. Seniors who don’t want to sell can use a reverse mortgage to receive monthly payments based on the value of their property. Home equity loans or renting are also popular funding options. Long-term care insurance may fund certain aspects of independent living depending on the policy. Investments made during working years, as well as pensions from public institutions or private companies, can pay for significant portions of independent living. In some cases, cashing out a whole life policy may be the right choice. 

Independent Living Resources in Washington

Washington state has many resources available for seniors to maintain and even improve their health, social life and finances. Below are some government and nonprofit organizations to be aware of. 

Resource
Contact
Service
(360) 725-3548
ADRCs in Washington run programs throughout the state that connect seniors and families with home and community supports that enhance independent living. These programs, which include legal and nutritional services, transportation and senior centers, are accessed through county Area Agency on Aging offices. Representatives can help families smoothly transition from home to independent living communities or long-term care options. ADRCs have strong partnerships with the Department of Veterans Affairs and Medicare. 
(866) 227-7457 
AARP is a nonprofit organization that has more than 900,000 members in the state of Washington. Their mission is to enhance the lives of retired persons through advocacy, community development, financial assistance and a variety of other local resources. AARP also plans events that benefit seniors in cities throughout the state. While membership is available for a small fee, many of the services are available at no cost.
(855) 567-0252
Community Living Connections (CLC) helps Washington seniors explore independent living options and search for resources that enhance their health, mobility and safety. Their planning service allows families to find services while considering the costs and legal implications of each decision. CLC is staffed by real people who can talk to seniors about their unique situations and options. CLC also has a self-service portal where seniors can save their searches and even request direct assistance. 
(800) 562-6900
Due to the complicated nature of Medicare and other types of insurance, Washington state offers direct help for seniors who have questions or concerns about their coverage. Specialists are available to assist with complaints, surprise medical bills, insurance claim denials, fraud reports and long-term care coverage. The Insurance Commissioner also has valuable information about car, home, dental, business and other types of insurance. 
(888) 387-7111 
The Northwest Justice Project operates the CLEAR Hotline to help low-income seniors with a variety of issues. This nonprofit deals with civil issues, such as evictions, property rights and government benefits. They also help seniors negotiate barriers that may prevent them from finding the right independent living solution. Applications are required before help is provided. Eligibility is determined during the application process, which can be done online. 

COVID-19 Rules for Independent Living in Washington

The following information is based on research done on several government websites, including dshs.wa.gov. 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 Washington 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

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 Washington 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 Washington 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?

No

Are residents regularly tested for COVID-19?

Yes (Conditions Apply)

Find Independent Living Communities in Washington

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

Northgate Plaza

11030 5th Ave NE, Seattle, WA, 98125

Northgate Plaza is a senior living community located in the Northgate retail area of a Seattle neighborhood and close to Kindred Hospital, Group Health Clinic, UW Medicine and Pacific Medical Center. … (read more)
Northgate Plaza is a senior living community located in the Northgate retail area of a Seattle neighborhood and close to Kindred Hospital, Group Health Clinic, UW Medicine and Pacific Medical Center. … (read more)

Ballard Landmark

5433 Leary Avenue NW, Seattle, WA, 98107

I have a friend who lives in Ballard Landmark. They have a pool, an exercise room, a coffee area for gathering, a little garden outside, a nice dining room, a good fireplace, and a library. It’s very … (read more)
I have a friend who lives in Ballard Landmark. They have a pool, an exercise room, a coffee area for gathering, a little garden outside, a nice dining room, a good fireplace, and a library. It’s very … (read more)

Interurban Senior Living

14002 Linden Ave N, Seattle, WA, 98133

Whether you want to enjoy day trips with friends with our numerous planned social activities or relax and read your favorite book on our beautifully landscaped, rooftop deck, you have the choice to l … (read more)
Whether you want to enjoy day trips with friends with our numerous planned social activities or relax and read your favorite book on our beautifully landscaped, rooftop deck, you have the choice to l … (read more)

Brookdale West Seattle

4611 35th Ave SW, Seattle, WA, 98126

Brookdale West Seattle was very nice and seemed very warm and congenial. I toured a bunch of places and it was all good. They had crafts, games, movies, they had people come in to give talks and lectu … (read more)
Brookdale West Seattle was very nice and seemed very warm and congenial. I toured a bunch of places and it was all good. They had crafts, games, movies, they had people come in to give talks and lectu … (read more)

Daystar Retirement Village

2615 SW Barton Street, Seattle, WA, 98126

I was only shown 1 room at Daystar Retirement Village. They were in the process of redoing it, and there was no furniture in it, but it was an OK room. We walked by the dining room, but we didn’t go i … (read more)
I was only shown 1 room at Daystar Retirement Village. They were in the process of redoing it, and there was no furniture in it, but it was an OK room. We walked by the dining room, but we didn’t go i … (read more)

Holiday Bridge Park

3204 SW Morgan St, Seattle, WA, 98126

Mother in law was found passed in her bathroom. She had been there at least 2 days. Make sure your lived one is checked on if they don’t answer the door or show for meals. She had been stewing in her … (read more)
Mother in law was found passed in her bathroom. She had been there at least 2 days. Make sure your lived one is checked on if they don’t answer the door or show for meals. She had been stewing in her … (read more)

Cogir of Queen Anne

805 4th Ave N, Seattle, WA, 98109

I visited and I liked it very much. I also stayed there for three days a couple of years back. It has full, 2-bedroom apartments with full kitchens. The staff was very nice, they have good exercise fa … (read more)
I visited and I liked it very much. I also stayed there for three days a couple of years back. It has full, 2-bedroom apartments with full kitchens. The staff was very nice, they have good exercise fa … (read more)

Brookdale Admiral Heights

2326 California Ave SW, Seattle, WA, 98116

Brookdale Admiral Heights is located in Seattle, Washington, a few minutes from West Seattle Golf Course, Puget Park and Westwood Village. Visitors give high marks to the dining room for its cleanline … (read more)
Brookdale Admiral Heights is located in Seattle, Washington, a few minutes from West Seattle Golf Course, Puget Park and Westwood Village. Visitors give high marks to the dining room for its cleanline … (read more)

Cogir of Northgate

11501 15th Avenue NE, Seattle, WA, 98125

Cogir of Northgate was a nice place. It was super clean and the dining room, in particular, was really impressive. They give you three meals a day. The decor of the building was quite nice. They were … (read more)
Cogir of Northgate was a nice place. It was super clean and the dining room, in particular, was really impressive. They give you three meals a day. The decor of the building was quite nice. They were … (read more)

Reserve at SeaTac

19707 International Blvd, Seattle, WA, 98188

Reserve at SeaTac was OK. The staff was OK, but the manager had a little bit of an attitude and just jumped to conclusions. Their apartments were fine. It’s an older, remodeled building. They had a ja … (read more)
Reserve at SeaTac was OK. The staff was OK, but the manager had a little bit of an attitude and just jumped to conclusions. Their apartments were fine. It’s an older, remodeled building. They had a ja … (read more)

Empress Senior Living

4020 NE 55th St., Seattle, WA, 98105


New Haven at Bitter Lake

13000 Linden Ave N, Seattle, WA, 98133


The Lakeshore

11448 Rainier Avenue S, Seattle, WA, 98178

The Lakeshore is an assisted living and independent living facility located on Lake Washington in Seattle. Visitors praise the community’s thoughtful layout, friendly staff and stunning view of the … (read more)
The Lakeshore is an assisted living and independent living facility located on Lake Washington in Seattle. Visitors praise the community’s thoughtful layout, friendly staff and stunning view of the … (read more)

University House Wallingford

4400 Stone Way N, Seattle, WA, 98103

Situated northwest of Seattle, University House Wallingford provides assisted living and independent living close to a variety of unique dining options, including Rocking Wok Taiwanese Cuisine and Tut … (read more)
Situated northwest of Seattle, University House Wallingford provides assisted living and independent living close to a variety of unique dining options, including Rocking Wok Taiwanese Cuisine and Tut … (read more)

Ida Culver House Broadview

12505 Greenwood Avenue N, Seattle, WA, 98133

Ida Culver House Broadview, located in the Greenwood neighborhood of Seattle, Washington, is known for its cheerful environment designed to cultivate body wellness. This facility’s campus offers spe … (read more)
Ida Culver House Broadview, located in the Greenwood neighborhood of Seattle, Washington, is known for its cheerful environment designed to cultivate body wellness. This facility’s campus offers spe … (read more)

Ida Culver House Ravenna

2315 NE 65th Street, Seattle, WA, 98115

Ida Culver House Ravenna is a smaller facility in Seattle, Washington offering residents a homey feel and friendly staff. Even though it is located within the city itself, it is surrounded by well-kep … (read more)
Ida Culver House Ravenna is a smaller facility in Seattle, Washington offering residents a homey feel and friendly staff. Even though it is located within the city itself, it is surrounded by well-kep … (read more)

Boulevard Park Place

2805 South 125th Street, Seattle, WA, 98168

We toured 3 different places that were independent living and without a meal plan. Of those 3, I liked Boulevard Park Place the best. They did not have an income cap so you don’t have to qualify and y … (read more)
We toured 3 different places that were independent living and without a meal plan. Of those 3, I liked Boulevard Park Place the best. They did not have an income cap so you don’t have to qualify and y … (read more)

Norse Home

5311 Phinney Ave N, Seattle, WA, 98103

Norse Home has been great for my mother. There are lots of activities that she’s involved in. There’s a fantastic view of the Puget Sound and the Olympic Mountains and the food has been good. She’s be … (read more)
Norse Home has been great for my mother. There are lots of activities that she’s involved in. There’s a fantastic view of the Puget Sound and the Olympic Mountains and the food has been good. She’s be … (read more)

SHAG’s New Haven Apartments

13000 Linden Avenue North, Seattle, WA, 98133

We’re moving my father now to SHAG’s New Haven Senior Apartment. The people and the facility are very good. There is a gym and a barber shop outside on the same block. They have a weekly schedule of … (read more)
We’re moving my father now to SHAG’s New Haven Senior Apartment. The people and the facility are very good. There is a gym and a barber shop outside on the same block. They have a weekly schedule of … (read more)

Northaven West

545 NE 112th Street, Seattle, WA, 98125

We got Northaven West for mom and signed a lease earlier this week. It was listed under micro studios, affordable housing. It ended up being the only one that we toured just because it was all about a … (read more)
We got Northaven West for mom and signed a lease earlier this week. It was listed under micro studios, affordable housing. It ended up being the only one that we toured just because it was all about a … (read more)