The Best Memory Care Communities in Harford County, MD

Seniors in Harford County, Maryland, make up a significant portion of the population, at 15.8 percent of the 252,160 residents. Those living with Alzheimer’s disease and other types of dementia make up 10.6 percent of the county's senior population. Those seniors rely on the area’s two memory care facilities, known in Harford County and the rest of Maryland as Assisted Living Programs (ALPs). ALPs are licensed by the Maryland Department of Health and Mental Hygiene.

• The climate in Harford County is typical for the state of Maryland, with warm summers that see an average July high of 87.5 degrees and cool winters that have average January lows of 25.6 degrees. These temperatures are comparable to the rest of the United States where the heat climbs to an average of 86.1 degrees in mid-summer and falls to a mid-winter low of 22.6 degrees. Memory care facilities are well-equipped to keep seniors comfortable at both temperature extremes. 
  
• Harford County has a cost of living that is 21 percent higher than the national average but four percent lower than the state average, which makes it an affordable place for Maryland seniors in need of memory care. Housing is the most expensive area of spending, with a median home price of $273,100. This is still lower than the Maryland median price of $282,000 but higher than the national median home cost of $216,200.
  
• Maryland seniors can expect to take advantage of different retirement-friendly tax initiatives. Social Security incomes are not taxed, while retirement accounts and public pensions are only taxed at a partial rate. Private pensions are the only retirement income that is fully taxed. Certain inheritors in Harford County do not need to pay taxes on estates, depending on their relationship to the grantor. 
  
• Harford County is home to world-class medical facilities, including those specializing in brain health and dementia care such as the University of Maryland Harford Memorial Hospital, in the event of medical emergencies or illness.

Memory Care costs in Harford County start around $6,375 per month on average, while the nationwide average cost of memory care is $5,743 per month.

It’s important to note that memory care rates in Harford County and the surrounding suburbs can vary widely based on factors such as location, the level of care needed, apartment size and the types of amenities offered at each community.

Learn more about these programs, plus who’s eligible, on our Memory Care in Maryland page.

While many families use their own funds or personal assets to pay for memory care, there are plenty of additional options to cover these costs. Some additional ways to finance memory care costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance memory care, visit our Memory Care in Maryland page.

Harford County-area memory care communities must adhere to the comprehensive set of state laws and regulations that all memory care communities in Maryland are required to follow. Visit our Memory Care in Maryland page for more information about these laws.