The Best Memory Care Communities in Bergen County, NJ

In New Jersey, the state’s Department of Health regulates Memory Care providers, which must meet certain requirements for licensure. State laws cover considerations such as staffing levels, training requirements for on-staff caregivers and medication management.

• New Jersey does not tax Social Security benefits. Additionally, there are income exclusions that may help seniors shield other sources of retirement income from taxation. On average, Bergen County has some of New Jersey’s lowest property taxes, but certain localities within the county have pricier taxes than others. New Jersey also has a tax credit in place for homeowners.
• In terms of pure volume, Bergen County’s climate features a bit more rain than the average U.S. locale, though its number of sunny days is slightly above average as well. Seniors who dislike cold weather may find Bergen County’s winters disagreeable. The area’s summers are quite pleasant, though.
• Bergen County features relatively low crime rates. Additionally, memory care communities often have protective features that add a layer of security.
• The overall cost of living in Bergen County is high compared to both the rest of the country and New Jersey. However, healthcare costs are more affordable in Bergen County than in the typical American city.
• Bergen County is a transit hub for the region, featuring options for travel by roads, railways and waterways. The NJ Transit network, which includes bus and train routes, offers reduced fares for seniors.
• Many healthcare facilities are located in Bergen County. These include the Englewood Hospital & Medical Center, the nonprofit Bergen New Bridge hospital and the Hackensack University Medical Center.

Authoritative cost data for memory care is unavailable, but memory care usually costs 20% to 30% more than assisted living. Thus, to generate memory care cost data, this guide increases assisted living rates found in the Genworth 2021 Cost of Care Survey by 25%.

Bergen County’s average memory care provider charges $7,188 per month, which is less than the state average of $8,119. However, the median nationwide cost is lower, coming in at $5,625 per month. Turning to specific New Jersey cities, Trenton and Ocean City cost $10,181 and $9,363, respectively. Atlantic City is pricier than Bergen County as well, but to a lesser degree. There, memory care’s average monthly cost is $7,259.

In Bergen County, nursing home care is the costliest senior care type, with average monthly rates of $12,471 for semiprivate rooms and $13,231 for private rooms. Memory care costs several thousand dollars less, and cheaper still are home care and home health care. Assisted living costs $5,750 on average, while adult day health care is the most affordable setup, at $1,950.

In Bergen County, there are options for seniors who need financial assistance paying for Memory Care. For more information about other options, who qualifies, and how to apply, Memory Care in New Jersey 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 New Jersey page.

Bergen County Memory Care Communities must adhere to the comprehensive set of state laws and regulations that all Memory Care Facilities in New Jersey are required to follow. Visit our Memory Care in New Jersey page for more information about these laws.