Assisted Living Communities in Saco, Maine

As estimated by the Genworth 2024 Cost of Care Survey, assisted living in Saco costs about $8,365 per month. Subsequently, local rates sit nearly $1,400 lower than the standard rate of $9,735 in Lewiston. However, the region presents more affordable options, including in Bangor, where rates fall to around $7,507 per month. Additionally, nearby Manchester, NH, presents monthly costs of $7,275, and facilities in Boston, MA, charge roughly $6,750.

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 Maine page.

The most affordable option, adult day care, sees a typical monthly rate of $1,733. Home care also proves less expensive than assisted living. In-home care agencies charge an estimated $7,341, while home health care costs $8,008 to account for the addition of light medical services. However, standard rates of $13,505 per month for semi-private accommodations in a nursing home exceed those of assisted living by more than $5,000.

Assisted living facilities in Saco fall under the remit of the Maine Department of Health and Human Services. Facilities are licensed by the Division of Licensing and Certification and are expected to comply with regulations rating to staffing, staff training, health and safety and medication administration. Regular inspections are performed to maintain care standards.

• Maine is a state with reasonably friendly tax policies for seniors. Social Security income is not taxed, however other forms of retirement income are. Property taxes in the city are average for the United States. There are some tax deductions available for senior citizens.
• The overall cost of living in Saco is slightly above the national average. However, health care and transportation costs are lower than average. Assisted living fees typically include utilities, food and other common expenses, but health care and transportation for social activities may come out of the senior’s discretionary budget.
• Crime rates in Saco are far higher than the national average. Seniors who reside in an assisted living facility can feel confident they are protected because most assisted living communities have 24-hour staffing and security cameras. Many communities are gated, so only welcome visitors have access to them.
• Active seniors will find no shortage of things to do in Saco thanks to the SENIORity Program run by the Saco Parks and Recreation Authority. This program includes a variety of activities including exercise sessions, classes and walking groups for those aged 50 and over.
• Saco’s climate is generally more comfortable than other cities in Maine. The city typically sees just over 49 inches of rainfall per year and about 60 inches of snow each year. Summers are very warm, and temperatures can fall to as low as 10.8 degrees in the winter. Seniors who enjoy snowfall but want to take part in outdoor activities during the warmer months may appreciate the varied seasonal weather of the city.