Assisted Living Communities in Elkton, Maryland

Elkton has the highest estimated assisted living prices in Maryland. Per the Genworth 2024 Cost of Care Survey, local facilities charge $86 more than the state median and $336 more than Baltimore's typical price. Meanwhile, assisted living in Salisbury costs about $2,087 less than in Elkton, emphasizing the value of price shopping.

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 Maryland page.

In Elkton, assisted living costs more than many other senior care options. Seniors save about $4,386 per month by opting for adult day health care or roughly $2,219 by choosing in-home care. Home health care is also cheaper, costing around $885 less than assisted living. Nonetheless, nursing home facilities often feature higher rates, with semi-private rooms costing approximately $6,458 more than assisted living communities.

The Office of Health Care Quality at the Maryland Department of Health is responsible for issuing licenses to assisted living facilities throughout the state. It also regulates the industry and monitors licensed facilities to ensure they’re abiding by the conditions of their licenses. Monitoring includes unannounced inspections and reviewing complaints registered with the Long-Term Care Ombudsman.

 

• According to Sperling’s Best Places, the mean cost of living in Elkton is around 3.5% higher than the national average, although significantly below the average for Maryland. However, health care can be more costly for those unable to take advantage of resources available to seniors, such as Medicare and Medicaid waivers.
• Elkton’s crime statistics don’t reflect well on the city, being significantly above the national and state averages. However, crime does appear to happen more often in specific neighborhoods. Generally, the areas in and around Elk Neck and Leeds experience less crime. Many seniors in assisted living facilities also find comfort in knowing their facilities have 24/7 security and staff always nearby.
• The award-winning Union Hospital is the primary provider of medical care in Elkton. The nonprofit community hospital, and other facilities in the city, are also staffed by a significant number of physicians registered to treat Medicare beneficiaries. Due to Elkton’s location, its seniors are close to some of the finest hospitals in the country in Baltimore, Wilmington and Philadelphia.
• Cecil Transit offers several low-cost ways for seniors to get around Cecil County. Those using fixed-route bus services can travel for half the standard fare, which, as of 2021, is $1 per trip or $2.50 for a day pass with unlimited trips. There’s also the taxi voucher program, which enables seniors and disabled passengers to purchase taxi vouchers at a reduced rate. The passenger must use a taxi service that participates in the program, all vouchers are valued at $10 each and the maximum available per month is five.
• Elkton’s climate is generally favorable to seniors. The coldest month is January, with temperatures averaging at around 24 degrees, while July is the hottest month, with mean temperatures at a comfortable 87 degrees. Although snowfall can be around 15 inches per year, this is half the national average, while rainfall is above average at 45 inches.