The average cost of assisted living in Massachusetts is around $6,800 a month, according to A Place for Mom’s most recent proprietary data from our network of partner communities. This is nearly $1,700 more than the national average cost of $5,100, making Massachusetts one of the nation’s most expensive assisted living locations.[01]
Prices vary greatly depending on location, services, amenities, and the level of care a community provides. Throughout our network of Massachusetts assisted living communities, costs typically range from around $3,900 to roughly $9,900 a month. Communities in the larger metropolitan area of Boston generally cost more each month than facilities in more rural locations or smaller towns.
The monthly average cost of $6,800 may seem steep, but it covers a senior’s complete care needs within the community, including assistance with activities of daily living, like dressing, bathing, and using the restroom, three nutritious meals a day, housekeeping services, planned social events, and more.
Public programs like Medicare and Medicaid may cover some of the costs of medical care expenses in assisted living communities if your loved one qualifies.
Average monthly costs
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US National average
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Rhode Island
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Vermont
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Each senior has unique financial needs, preferences, and care requirements, all of which can affect the ways they choose to pay for assisted living. Across the board, the earlier you’re able to determine your family’s budget and financial resources, the more options your aging loved one may have available.
Timely consideration is essential, especially if your loved one plans to use Medicare or Medicaid to cover any medical services in assisted living. Applications for these programs may involve waiting and approval periods.
We’ll explore a mix of public and private payment options families tend to use below. For a high-level overview of how to pay for senior living, read through our complete guide to paying for long-term care.
Most families cover the majority of assisted living costs using private pay sources, such as pensions, retirement funds, and personal assets. Explore the options below to see if your family could use any of these methods to fund assisted living.
Selling your house in Massachusetts can provide funds to put toward assisted living.
Leveraging home equity through a reverse mortgage can help pay for assisted living.
A Health Savings Account (HSA) can cover the cost of health expenses, like certain care services and medical supplies, in Illinois assisted living.
A life insurance policy can be sold or surrendered for cash value to offset the costs of assisted living in Massachusetts.
Social Security benefits for assisted living
Seniors who qualify for Social Security can use those funds at their cash value to cover part of their assisted living costs in Massachusetts.
From the first day we were welcomed for our tour , my mom felt like she was home. The kindness we were greeted with that day continues, and we knew we had made right choice. There was no better feeling...
The independent living here has been wonderful. Both the staff and the residents loving here have been very friendly and caring.
The folks at The Residence at Cedar Dell are all so welcoming. I ate in the dining room and on my first day all the staff already knew my name. Everyone is so naturally friendly and approachable. The...
My loved one is currently a resident at Chestnut Park At Cleveland Circle and overall the experience has been good. The cleanliness and the activities are okay. The friendliness and staff are great. I would...
They have been great to us, and I highly recommend Standish. Our friends are joking that we need to reserve a wing for the near future! The rooms I experienced are bright and quite large. Staff, from...
The facility (memory care section anyway) is brand new so everything is fresh and clean and new. The "apartments" (room with mini kitchenette) are good size.
Charter Senior Living is a wonderful experience. We have been so impressed with the staff starting with [name removed] and all the other employees. They are hands on caring and knowledgeable. So grateful we...
Our loved one was only there for 10 days, but the Putnam Farm at Danvers community is beautiful. It is a well kept facility with very very nice personnel working there .
Don't put a loved one there unless they are in advanced stages of dementia or Alzheimer's.. I took my loved one out because she wasn't in advanced stages. It was not the right fit.
Oasis is the best! Our loved one was in a total of four facilities before we found Oasis. It has the best of rooms, best of food and the best caring staff. They provide a supportive, loving family...
Memory unit is in same facility so if one spouse needs it the other can easily spend time together It is a lot of money, but my loved one seems well cared for.
My mother in law is doing very well at Dodge Park. She is getting excellent care there. Dodge Park is truly an amazing place. the facility is very welcoming and inviting. They keep the facility clean. ...
We had difficulty confirming a move in date for my mom. There was nothing The Wellington could do about it, but they were terrible about communicating with us. I needed to call repeatedly to get an answer....
Welcoming front desk staff. Executive Director and marketing staff all pleasant and helpful. Answered all of our questions. Provided lots of details for us to consider. All the staff have smiles on their...
I have has lived at Southwick Village for several years. The community is set in a beautifully maintained campus with all the amenities I need as I age. Activities, food and most importantly, the staff are...
The Massachusetts Executive Office of Elder Affairs certifies assisted living facilities throughout the state. These communities must offer a combination of personal care services, housing, and meals on a monthly rental basis. They may not provide medical or nursing services to seniors in need of serious medical care.[03]
Some assisted living communities in Massachusetts are designated as special care residences. These support seniors with specialized needs due to dementia or other cognitive impairments, and have additional regulations.
When licensing assisted living facilities, the state considers the following questions:
Every community must have a service plan coordinator and manager on staff. Depending on the number of residents in a facility, at least one staff member has to be present 24 hours a day. There’s no minimum staff to resident ratio, but communities are required to have sufficient staff to manage all resident needs and assist in case of an emergency.
All staff members who provide direct care must be licensed nurses, certified nursing assistants, certified home health aides or personal care homemakers. If a staff member isn’t licensed in one of these ways, they must complete a 54-hour training course in addition to ongoing education.[03]
We developed a system to rate each state based on the ease of information access. In other words, how easy — or difficult — it is to find important assisted living records and reports.
States with the most transparent records allow you to look up important information about each assisted living facility online, including inspections, complaints, survey results, violations, capacity, and Medicaid acceptance.
Public access to assisted living records and reports for the state of Massachusetts is basic. Key findings that informed this rating include:
Visit the Massachusetts Office of Elder Affairs for information about senior care licensing.
We developed a standard methodology for state data collection and evaluation, and we based our rating primarily on the objective, state-specific accessibility criteria outlined in these questions:
1. Are licensed assisted living communities listed online in any form? Yes
2. If Yes to #1, is the information updated frequently? No
3. If Yes to #1, is the list of licensed communities searchable? No
4. Does the state post inspections, complaints, survey results, or violations online? No
5. If Yes to #4, is the information updated frequently (within 90 days)? No or not applicable
6. If Yes to #2 and #4, is the enforcement information included in the same place as licensed communities? No or not applicable
7. If Yes to #4 and No to #6, are violations and inspections searchable at all? No
8. Is information about special licensing for care shown? No or not applicable
9. Is capacity shown? Yes
10. Are payment types shown (e.g., Medicaid, private pay)? No
11. Is the administrator/contact name shown? No
12. Can the state fine a facility? Yes
13. What is the frequency of inspections? Every 24 months
14. Does the website include pricing of facilities? No
A Place for Mom. (2023). A Place for Mom proprietary data.
Mass.gov. (2023, January 1). Program financial guidelines for certain MassHealth applicants and members.
Mass.gov. (2023). Assisted living certification regulations.
Overview of assisted living in MA
Find assisted living near you
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