Memory Care Communities in Oak Harbor, Washington

Memory care costs in Oak Harbor are significantly higher than the national average of $5,625. However, it’s an affordable choice when compared to the Washington average of $7,500. When looking at the prices in nearby surveyed cities, Oak Harbor sits in the middle of the range. Olympia and Bellingham have lower costs at $6,006 and $5,740, respectively. Seniors in Bremerton pay $7,118, slightly more than those in Oak Harbor. Seattle’s average costs are significantly higher at $8,438 per month.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we've estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth's 2021 Cost of Care Survey.

The cost of memory care in Oak Harbor averages $6,875 per month.

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 Washington page.

Memory care is one of the more affordable senior living options in Oak Harbor. Adult day health care is the least expensive choice at $2,773 per month. At $5,500, assisted living is also less expensive than memory care. In-home care and home health care are slightly more expensive at $7,245 per month. Nursing home care is the least affordable choice, costing $11,163 for a semi private room monthly.

Memory care communities in Oak Harbor and all of Washington are licensed and certified by the Aging and Long-Term Support Administration (ALTSA). Regular inspections are conducted to ensure facilities are meeting the state's regulations for quality of care.

• Oak Harbor’s location near the water provides a mild climate year-round. The average high in summer is 64 degrees, while the winter low averages 37. This may make Oak Harbor a good choice for seniors who struggle with extreme heat and cold.
• The overall cost of living in Oak Harbor is 6.5% higher than the national average. However, it’s lower than the average cost of living across Washington, making it an affordable choice for people who want to stay in the state. There are also a number of programs that can help seniors pay for expenses such as memory care, such as the Specialized Dementia Care Program.
• Seniors in Oak Harbor have access to hospital care through Whidbey Health Medical Center. In addition to specializations such as ostomy and wound care, the hospital has life flights for people who need to go to the mainland for emergency care.
• Oak Harbor is a very safe place to live. The violent crime rate is 0.49 crimes per capita, much lower than the Washington average of 3.36. The property crime rate is 6.76 per capita, while the Washington average is 31.34. This can be reassuring for safety-conscious seniors. Furthermore, these seniors can find additional safety through the 24/7 staffing and security present at many memory care communities.
• Whidbey Island Momentia Memory Cafe is a monthly gathering for people with memory loss and their loved ones. It offers opportunities for seniors to socialize with a small group of people who have similar experiences. Oak Harbor seniors and their caregivers can also gain valuable information on managing the symptoms of dementia and discover local supportive services to make navigating this disease easier.