Care guide

Independent Living

Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.

Independent living looks like apartment living designed for older adults. There are no medical services included and no help with daily tasks - residents are independent. What you get is location, community, amenities, and zero yard work. Most communities are part of a continuing-care campus, so residents can move into assisted living or memory care if needs change later.

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Who independent living is for

Independent living fits active seniors who want neighbors, organized activities, and a simpler lifestyle without selling the house and downsizing in solitude. It's not the right fit for someone who needs help with daily tasks - that's assisted living. Many residents move in their late 60s or 70s when they're still fully independent but tired of maintaining a large home.

Typical cost

$2,500 - $5,500 per month (US median, 2026)

Independent living is the most affordable senior-living option because no personal-care services are included. Some communities require an upfront entry fee in exchange for guaranteed access to higher levels of care later (continuing-care retirement communities or CCRCs). Medicare and Medicaid don't cover independent living.