Memory Care Communities in Haverhill, Massachusetts

Dementia care communities in Haverhill charge median monthly rates of $8,524 for care, which is about $400 over the Massachusetts norm about $2,900 higher than the U.S. average. In Barnstable Town, care costs are higher than in Haverhill at $8,750, but rates in other surveyed cities across the state may be lower. Seniors in Worcester and Springfield pay respective monthly rates of $7,106 and $6,310, and in Pittsfield, care costs are a fraction of rates in Haverhill at $2,605.

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.

In Haverhill, memory care communities charge approximately $8,524 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 Massachusetts page.

With rates at $8,524 per month, dementia care facilities charge comparatively high senior care fees. Seniors who don’t have memory impairments pay $6,819 for assisted living, and those who obtain private care in their homes pay $6,292 for in-home care and $6,244 for home health care. Adult day health care is even more competitively priced at $1,614, while seniors who live in nursing homes pay much higher monthly rates of $13,155.

In Haverhill and the rest of Massachusetts, memory care communities are licensed as assisted living facilities, and they must meet increased requirements related to staffing, staff training and building security. These facilities are monitored by the Massachusetts Executive Office of Elder Affairs, and they undergo routine inspections to ensure compliance with state-mandated rules and guidelines.

 

• In Haverhill, Social Security benefits and government pensions are fully exempt from taxation at the state level. However, seniors who rely on private pensions or withdrawals from retirement accounts pay state taxes at the full rate. Local organizations such as the Area Agency on Aging have volunteer experts who help seniors understand their annual tax obligations.
• Holy Family Hospital – Haverhill is an award-winning hospital in Haverhill proper that provides a range of emergency, surgical and primary care services, promoting the health of seniors in the city. Health care costs in the city are about 17% lower than national norms, which may make care affordable for seniors with chronic health conditions such as memory loss.
• The air quality in Haverhill is decent, which may support the health of seniors relocating to this community for long-term care. The American Lung Association gives Essex County, where Haverhill is located, a passing score for annual particle pollution levels and a B grade for 24-hour particle and ozone pollution.
• Summers in Haverhill are warm and muggy with daytime temperatures ranging from the high 70s to low 80s, and high humidity levels in July and August. Winters are cold with nighttime temperatures in the teens and 20s, and the city gets 56 inches of annual snowfall. To keep residents safe and prevent dangerous wandering, especially in dangerous weather, memory care facilities have surveillance cameras and secured exit points.
• Violent crime occurs at a higher rate in Haverhill than in a typical U.S. city, resulting in a rating of 26.4 on a 100-point crime index versus the national score of 22.7. While property crime is a little more prevalent with a local score of 30.3, this is modest compared to the national score of 35.4. This may make memory care a safe alternative to living alone for vulnerable seniors.
• On a cost of living index based on a national score of 100, Haverhill scores 116.9. This indicates that local living costs exceed the nationwide norm by 17%, but it’s modest compared to the state score of 127.5. This may result in competitive dementia care costs.