Assisted Living Communities in Gary, Indiana

Gary’s assisted living fees are higher than the state of Indiana, $4,585 compared to $4,382, and both of these are higher than the US average of $4,300. Looking at other large Indiana cities, Gary’s assisted living fees are comparable to most, with the exception of Fort Wayne, which is significantly less, just $3,503 per month. Indianapolis ($4,573) and Evansville ($4,455) are close in cost to Gary, and South Bend is just a bit more at $4,819 per month. 

According to the Genworth Financial Cost of Care Survey 2020, monthly assisted living fees in Gary are $4,585. 

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Indiana page.

Assisted living isn’t the only long-term care option for seniors in Gary. Homemaker and home health aide services, both of which average $4,767 per month, provide in-home assistance. Homemakers can help with chores, meal preparation and grocery shopping and companionship, while home health care workers provide in-home medical care. Adult day care offers activities and assistance similar to that of an assisted living facility, but attendees return home at night. Nursing home care is intended for those with chronic medical conditions that require around-the-clock medical care and monitoring. The cost for a semi-private room is $8,060 per month, while a private room is $8,973. 

The Indiana Department of Health licenses and regulates assisted living communities in the state under the Residential Care Facility Licensing Program. This agency conducts health inspections of long-term care communities and investigates complaints about assisted living communities. 

• The cost of living in Gary is significantly lower than the US average, which has a baseline of 100. Gary is 72.5, and Indiana overall is 82.1. Housing costs are just 20.3, and health care is 84.8, which may benefit seniors with limited income. 
• Crime rates in Gary are quite high. Due to this, many assisted living facilities have security features in place and take precautions to make sure residents are safe. 
• Winters in Gary are cold and snowy, averaging 36 inches of snow per year, compared to 28 for the national average, and January lows of 18 degrees. Summers can be mild and pleasant, with 186 sunny days per year and July highs of about 86 degrees. Seniors who have health conditions aggravated by colder temperatures may not be comfortable, but those sensitive to high heat may appreciate the respite. 
• The air quality in Gary is above the national average, 64 out of 100 compared to 58. Seniors here can enjoy a nice breath of fresh air when outside. Although the water quality is lower, 30 out of 100 compared to 55. 
• Indiana is moderately tax-friendly for retirees, as all Social Security income is tax-free. However, retirement income may be taxed at the same rate as other wages, a 3.23% flat rate.