Seniors contemplating retirement might not immediately think of West Virginia, but the state offers several advantages. West Virginia overflows with small, picturesque towns that make a perfect getaway, like Berkley Springs, the first spa in the United States. West Virginia is also a great location for history buffs. The Harpers Ferry National Historical Park is where many historians believe the first seeds of the Civil War were sewn.

Independent living is often overlooked as a choice for retirees. However, for seniors who want to live a simpler life or reduce the amount of labor needed to maintain their lifestyles, staying in an independent living community can be a very attractive option.

West Virginia has a friendly financial environment for seniors. The cost of living is 22 points below the national average. As well, the cost for independent living, according to the Genworth Cost of Care Survey 2020, averages a very reasonable $2,600 a month. For seniors who need to watch their budgets, this is a real benefit.

This guide presents the cost of independent living in West Virginia and looks at similar costs in nearby states. It also lists some resources that can help seniors reduce their costs and help their budgets.

The Cost of Independent Living in West Virginia

Note: Independent Living and Assisted Living may sometimes be provided within the same senior care community, but Assisted Living offers supportive daily care while Independent Living doesn’t. Assisted Living usually costs 30-40% more than Independent Living. Since cost data isn’t available for Independent Living, we established estimates by deducting 35% from the Assisted Living costs listed in the 2021 Genworth Financial Cost of Care Survey.

Seniors in West Virginia pay $221 less per month for Independent Living compared to the national average. Three bordering states – Ohio, Maryland and Virginia – have higher Independent Living costs than West Virginia and the national average. Virginia’s cost is the highest at $3,413, followed by Maryland at $3,185 and then Ohio at $3,013. West Virginia’s other two adjacent states are cheaper. In Pennsylvania, Independent Living averages $2,665 and Kentucky averages $2,241.

$2704

West Virginia

$2925

The United States

$3413

Virginia

$3185

Maryland

$3013

Ohio

$2665

Pennsylvania

$2241

Kentucky

Independent Living costs in several larger, well-known cities in West Virginia are higher than the state and national averages. Charleston’s average cost of Independent Living is $3,088. It is even more expensive in Huntington ($3,169), Parkersburg ($3,539), and Morgantown ($3,705). Alternatively, Weirton and Wheeling’s costs are lower than the state and national averages at $2,470 and $2,389, respectively.

$3705

Morgantown

$3539

Parkersburg

$3169

Huntington

$3088

Charleston

$2470

Weirton

$2389

Wheeling

Compared to Independent Living, the cost of Assisted Living in West Virginia is higher at $4,160, but residents receive personalized supportive care. Nursing Home Care is even higher but includes around-the-clock medical and assistive care. Semiprivate rooms average $11,619 per month and private rooms average $12,212. Seniors can also opt to receive In-Home Care for $3,527 or Home Health Care for $3,575 per month and age in place. For those needing limited assistance in a nonresidential setting, Adult Day Health Care is the least expensive senior care option at an average cost of $1,083.

$2704

Independent Living

$4160

Assisted Living

$1083

Adult Day Health Care

$3527

In-Home Care

$3575

Home Health Care

$11619

Nursing Home Care (semiprivate room)

$12212

Nursing Home Care (private room)

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

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 West Virginia.

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 West Virginia

When contemplating how to pay for the costs of living in an independent living community, seniors have several options. They can sell their current homes and use those proceeds to pay for independent living. If worried they won’t have enough income to pay the regular monthly cost, seniors could take a reverse mortgage and then can rent their homes and use that income. Seniors can also use long-term investments to help cover these costs.

These are a few of the financial options available to seniors who are thinking about selecting an independent care community for their retirement.

Independent Living Resources in West Virginia

It’s likely that one of the main goals for all seniors, regardless of their living arrangements, is to find ways to reduce their overall costs. For seniors staying in independent living communities in West Virginia, several resources are available to help them with their budgets.

Resource
Contact
Service
(888) 582-2464
While health care programs like Medicare or Medigap won't help pay for the cost of independent living, long-term care insurance may provide some assistance. Many long-term care policies include help with activities of daily living, and staying in an independent living community can qualify as an acceptable location. In West Virginia, the Long-term Care Insurance Partnership is a collaboration between the state and private insurance companies to help seniors afford the cost of long-term care insurance.
(304) 267-0040
It's the mission of the West Virginia Veterans Bureau to ensure that all veterans, their spouses or their survivors receive the benefits to which they are entitled on local, state and federal levels. Aid and Assistance Benefits help veterans or their widowed spouses who require assistance with ADLs. Veterans can choose to receive these benefits in their homes, an independent living community or an assisted living facility.
(304) 558-3317 or (877) 987-3646 
Seniors aged at least 60 are eligible for this discount card, which they can use at participating businesses. Seniors can receive discounts at restaurants, professional services, pet care locations, car dealerships or repair shops, or for personal care or home repairs, to name a few options. There's no cost for the card, and the only eligibility requirement is that seniors live in West Virginia. 
(800) 229-5068
Free civil legal services are provided to West Virginians aged at least 60. Legally counselors can provide information, and when necessary, counsel on the following issues: bankruptcy, domestic relations, issues with Medicare or Social Security, problems with nursing homes, advanced directives, power of attorney issues and bill collection.
(304) 558-3317 or (877) 987-3646 
Seniors often have important questions about their health care, particularly when it involves Medicare, Medicaid, Medicare Advantage Programs, Medigap or long-term care insurance. West Virginia SHIP provides free and unbiased counseling to seniors to help them make decisions about their health care. Unlike many other states, all of West Virginia’s 80+ counselors are paid employees of government departments or Area Agencies on Aging. All conversations are confidential, and no one will ever try to sell a senior a particular plan.

COVID-19 Rules for Independent Living in West Virginia

The following information is based on research done on several government websites, including dhhr.wv.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 West Virginia 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?

Not Available*

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Outings & Social Activities

Rules for West Virginia Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Not Available*

Are residents who leave required to quarantine when they return?

Not Available*

Are senior living communities required to cancel all group outings?

Yes

Are residents allowed to eat meals together in a common area?

No

Are residents allowed to gather in common areas for group activites?

No

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

COVID-19 Safety Measures for Staff and Residents

Rules for West Virginia 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 West Virginia

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

Harmony at Southridge

801 Peyton Way, Charleston, WV, 25309

I would describe Harmony at Southridge as an excellent facility. I have more than one friend at that facility. It’s a new facility, well-staffed, with good programs. They have game night, they take th … (read more)
I would describe Harmony at Southridge as an excellent facility. I have more than one friend at that facility. It’s a new facility, well-staffed, with good programs. They have game night, they take th … (read more)

Edgewood Summit

300 Baker Lane, Charleston, WV, 25302

Nestled in the gorgeous mountains of Charleston, West Virginia, Edgewood Summit receives high marks from visitors for its wonderful, buffet-style dining, nice, clean rooms and a spa area. Residents ca … (read more)
Nestled in the gorgeous mountains of Charleston, West Virginia, Edgewood Summit receives high marks from visitors for its wonderful, buffet-style dining, nice, clean rooms and a spa area. Residents ca … (read more)

Independent Living Facilities in West Virginia (1)