Understanding the Costs of Assisted Living

Category: Assisted Living | Frequently Asked Questions

Assisted living is a popular choice for seniors who require support with daily activities but still want to maintain their independence. However, it is important to understand the costs associated with assisted living to make informed decisions about care options and budgeting. Individuals and families can better plan for their future needs and ensure they choose an assisted living facility that fits within their budget and finances with a better understanding of the assisted living costs.

An elderly couple reviewing the costs of assisted living.

Contact Haven Health to learn more about our assisted living facilities in Arizona

How Much Does Assisted Living Cost Per Month in the U.S.?

According to the National Council on Aging (NCOA), the average assisted living cost per month in the U.S. is about $4,500. However, the monthly fees can vary based on the city and state where the facility is located. In addition, if someone needs to move into a skilled nursing facility where more support services are required, costs are usually more per month.

What Is the Average Cost of Assisted Living per Month?

The average monthly cost of assisted living varies depending on factors such as location, amenities provided, and the level of care needed. In addition, the cost of living, local market conditions, and availability of services all contribute to regional differences in pricing. For example, states with higher costs of living tend to have higher monthly fees for assisted living.

To give you an idea of the variation, here are some examples based on Genworth’s 2021 Cost of Care Survey:

  • In Alaska, the average monthly cost of assisted living is approximately $6,830
  • California has an average monthly cost of $5,250
  • Alabama has a lower average monthly cost of $3,503

What Is the Average Cost of Assisted Living in Arizona?

Information for the Genworth’s 2021 Cost of Care Survey found the average cost of assisted living in Arizona is $4,000. The cost of a skilled nursing facility in Arizona ranges from $6,540 for a semi-private room to $8,030 for a private room.

How Are Costs Determined for Assisted Living Facilities?

The costs of assisted living facilities are determined using these common components that contribute to the overall cost:

  • Base rate: All facilities have a standard monthly fee for basic housing and amenities like meals, housekeeping, maintenance, social activities, and transportation
  • Level of care: Additional charges may apply if a resident requires additional assistance with activities of daily living (ADLs) and care, such as bathing, dressing, medication management, or mobility. Higher levels of care will result in higher monthly costs.
  • Accommodations: The type of room selected will affect prices, with studio accommodations costing less than one-bedroom accommodations. The overall square footage of the unit will also affect total costs.
  • Add-on services: Most facilities offer optional add-on services like specialized therapies, onsite beauty salons and barber shops, spas, and other optional amenities. Some facilities will provide a flat-rate, all-inclusive option or a la carte option, allowing residents to pick and choose which services they want.
  • Location: Costs vary based on geographical location and regional differences in the cost of living. For example, the monthly costs for an assisted living facility in Hawaii are $5,375 and $6,000 monthly in Washington, compared to $4,000 in Arizona.

Does Insurance Pay for Assisted Living?

In some cases, insurance may help cover the costs of assisted living, but it largely depends on the type of insurance and coverage. In most cases, you will need to rely on your retirement income and social security to help pay for assisted living.

However, you may have a few options, such as:

  • Long-term care insurance: Long-term care insurance policies usually include coverage for assisted living expenses and ADLs. This type of insurance is specifically designed to provide financial support for long-term care services, including assisted living.
  • Medicaid: Medicaid is a government program that provides healthcare assistance to low-income individuals and families. Depending on eligibility requirements set by each state, Medicaid may offer coverage for certain aspects of assisted living programs.
  • Veterans benefits: The Department of Veterans Affairs (VA) offers various benefits that can assist veterans and their spouses with paying for assisted living facilities through programs such as Aid and Attendance or Housebound benefits
  • Medicare: Medicare does not cover the cost of residing in an assisted living facility because it is considered non-medical care. However, they will cover costs for short-term statins in skilled nursing facilities and can cover costs for people requiring dementia care and Alzheimer’s care.

Find Affordable Assisted Living at Haven Health in Arizona Today

An elderly woman smiling at the nurse assisting her.

Haven Health in Arizona offers access to premier assisted living facilities and skilled nursing facilities with affordable options to fit your budget and financial needs. We offer a wide range of amenities, personalized services, and modern facilities to ensure our residents are comfortable, safe, and secure and receive the level of care they require.

Contact Haven Health to schedule a tour of one of our assisted living facilities today


Genworth 2021 Cost of Care Survey. (2021).

VA Aid and Attendance Benefits and Housebound Allowances. (2022).

Van Dis, K. (2023). How Much Does Assisted Living Cost?