Assisted living in Indiana gives Hoosiers access to high-quality care and thoughtful amenities while allowing them to remain close to the communities they know and love. Whether in vibrant cities like Indianapolis and Fort Wayne or in smaller towns with deep local roots, seniors can find communities that offer personalized support with activities of daily living, social programming, and health services designed to promote independence. Indiana’s relatively low cost of living, central location, and blend of urban and small-town lifestyles make it an appealing choice for older adults and their families. According to A Place for Mom’s proprietary data, the average cost of assisted living in Indiana is $4,029 per month, or just over $48,000 per year.
I can tell you a great story My mother in law had episodes of Parkinson's psychosis Often she would call if she was confused, hallucinating etc One call, she was hallucinating so badly that I remained on the...
Mom has lived in assisted living at Park Place for over 3 years now, and has had an amazing experience! The staff are wonderful and caring, and really take time to get to know each resident. The office...
I've had the best experience since my mother moved in. Everyone welcomed her and she fit right in. She has more of a social life now than she's had in many years. She enjoys going on outings a few times a...
What I liked about The Crossings is first and foremost [Name Removed]. He gave us the tour of the facilities and went above and beyond when working with us to get my brother-in-law the place he wanted. His...
The staff is great and the Garden homes are well maintained and beautiful. The food in the dining facility is just Ok. Other than that, we are very pleased and happy with Rosegate. One thing I didn't...
Magnolia Springs has the largest bedroom closet of any place we've seen, plus an additional bathroom linen closet. The rooms also include a refrigerators and "kitchen" sink with cabinets above and below,...
Our family couldn't be more grateful for the care Crown Pointe/Chapters SeniorLiving of Carmel has provided to my Father. From the moment we walked in for a tour, we knew this was the right place. The staff...
They're extremely personable and friendly. There are no specific ways they could improve Not compared to the dozen other places I've visited. They're over the top. 10 out of 10. Food is also very good
They are wonderful! They take excellent care of my Mom. They are always kind and respectful. She is in the Manor, assisted living. They treat her like their own family.
Food very good, staff good, activities good, cleanliness good. Price was astounding high. I had to pay so much for the 30 days, that my husband was in the hospital and than hospice. I felt like I was ripped...
Visited my sister, [name removed] while I was in Indy for Christmas. We had a very god visit. I was glad to see the remodeling work in the hallways. Painted the walls and doors. This will “brighten”...
They are a 24 hour care facility, so I understand staffing and not putting the "A" team in all the time. The majority of the staff are extremely friendly and helpful. But mom has complained about some staff...
We did a very thorough search of the facilities in the south Bend/Elkhart area before we settled on StoryPoint in Ganger. [name removed], marketing staff, did an excellent job of providing information and a...
One of the great things about Settler's Place is the staff. Our loved one really enjoys getting and reading her mail and as her address has changed most of her mail is forwarded to her POA. He pays the bills...
Indiana’s average cost of assisted living in 2026 is $4,029 per month, which is lower than the national average of about $4,800 per month. This cost includes the base rent in our partner communities and doesn’t include health care services, pet fees, or luxury amenities. Typically, assisted living costs increase as floor plan size increases, care levels become more advanced or specialized, and amenities become more luxurious.
Compared with other Midwestern states, assisted living in Indiana is slightly more affordable. Ohio, Michigan, and Kentucky each offer assisted living under $5,000 per month, while Illinois’ average is more than $5,000 per month. Within the state, the second-largest city of Fort Wayne offers the lowest average monthly cost of assisted living at $3,650. The capital of Indianapolis and the Kentucky-border city of Evansville are more expensive, but still less than the national average.
For seniors living with dementia, memory care in Indiana averages about $5,000 per month. This makes assisted living an affordable option for seniors who need specialized dementia care.
Read more:Assisted Living vs. Independent Living: What’s the Difference?
Average monthly costs
Indiana
US National average
Average monthly costs
Average monthly costs
Average monthly costs
| Community type | Indiana | U.S. | Cost difference |
|---|---|---|---|
| Assisted Living | $4,849/mo | $5,830/mo | 16.8% below national average |
| Memory Care | $6,668/mo | $6,999/mo | 4.7% below national average |
| Independent Living | $2,933/mo | $3,520/mo | 16.7% below national average |
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Families in Indiana can pay for assisted living through a variety of methods, and most tend to use a combination of private and publicly funded sources. Because costs and eligibility can vary widely, it’s best to plan early to understand which payment options apply to your loved one’s situation. Below, you’ll find potential options and resources. You can also find a high-level overview of payment options in our guide to paying for long-term care.
Private funds, such as personal savings, Social Security benefits, retirement and pension accounts, investment income, and other assets, such as the proceeds from the sale of a house, are the most common way that families pay for assisted living. Long-term care insurance may also be used, but these policies must be purchased before care is needed.
Read more: 5 Things to Consider When Selling a House to Pay for Senior Care
The U.S. Department of Veterans Affairs (VA) provides benefit programs for eligible veterans and their surviving spouses. Payments from these programs can be used however the recipient sees fit, including paying for services in assisted living. Veterans who are unsure about available benefits, their eligibility, or how to apply should contact a VA-accredited benefits counselor for guidance. The Indiana Department of Veterans Affairs connects veterans and their families to county veterans service officers (VSOs). Find a local VSO or call the central office at 800-457-8283.
Read more: VA Benefits for Assisted Living: A Comprehensive Guide for Veterans
Medicaid is a state and federal health care insurance program for individuals with limited income. Indiana Medicaid won’t cover room and board in an assisted living facility, but it can be used to cover certain personal and health care services, such as:
Indiana covers these services through two primary Medicaid programs for older adults: the Aged, Blind, and Disabled (ABD) Medicaid program and the Pathways for Aging managed care program. Most Indiana residents aged 60 and older who qualify for Medicaid are required to enroll in Pathways for Aging.[02,03]
For help with Medicaid applications or to check on the status of an application, use the INconnect Alliance’s lookup tool to find a local Aging and Disability Resource Center or call 800-713-9023.
Medicare is a federal health insurance program for people aged 65 or older and people with disabilities. While Medicare won’t cover assisted living costs, it can be to pay for medically necessary services delivered to residents of assisted living communities.[04]
Indiana’s State Health Insurance Assistance Program (SHIP) offers free benefits counseling for health insurance related to Medicare. They can help you and your loved one determine eligibility, file claims, help with applications, and more. Call 800-452-4800.
In Indiana, an assisted living community may be licensed as a residential care facility, or it may not be licensed at all. The Indiana Department of Health (DOH) licenses residential care facilities, which are defined as facilities that provide residential nursing care or administer medications prescribed by a physician.[05] The Family and Social Services Administration (FSSA) maintains a registry of facilities with the designation Housing with Services Establishments. These facilities don’t provide residential nursing care, don’t administer medication, and aren’t required to be licensed.[06]
Regulations governing residential care facilities define standards in facility operations, staff training, and resident care, and are designed to ensure seniors get high-quality, affordable care. The DOH ensures compliance with regulations, investigates complaints, and conducts health and safety surveys.
To verify a community’s license status and see any complaints or investigation outcomes, use the Indiana DOH Health Care Providers Consumer Reports database.
State regulations — and a community’s track record with inspections and licensing — offer important insights into safety and quality of care in senior living communities.
Download the Guide to Senior Living Licensure and Inspection Reports to learn what to look for in inspection reports and what questions to ask when touring communities. This resource explains how to use state licensure and inspection information to evaluate a community’s compliance, care standards, and responsiveness to issues.
Let our care assessment guide you
Our free tool provides options, advice, and next steps based on your unique situation.
A Place for Mom. (2026). A Place for Mom proprietary data.
Indiana Family and Social Services Administration. Traditional Medicaid.
Indiana Family and Social Services Administration. Indiana Pathways for Aging.
U.S. Centers for Medicare and Medicaid Services. Get started with Medicare. Medicare.gov.
National Center for Assisted Living (NCAL). (2022). Assisted living state regulatory review.
Indiana Department of Health. Residential Care.
Overview of assisted living in IN
The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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