Memory Care Communities in Hagerstown, Maryland

Memory care facilities in Hagerstown charge median monthly rates of $5,788. While this is a little higher than the national average of $5,625, it’s nearly $800 below the norm for Maryland. Rates are economical compared to Baltimore, where seniors pay $5,938 per month for care, and Salisbury, where fees average $6,225. In Cumberland, facilities charge $6,560, and across state lines in Chambersburg, PA, rates are several hundred dollars higher than in Hagerstown at $6,029.

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 Hagerstown, memory care communities charge $5,788 per month for housing and services.

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 Maryland page.

Memory care is one of the most expensive types of senior care in Hagerstown, with seniors paying $5,788 per month for services. Only nursing home care, which is for those who need around-the-clock medical care and monitoring, is costlier at $10,114. Seniors who live in their own homes and arrange in-home care or home health care services pay $5,148, and seniors without memory impairments pay $4,630 for assisted living. Adult day health care is the most economical option at $2,145.

Maryland’s Department of Health licenses memory care facilities in Hagerstown and the rest of the state. This department publishes information on the rules facilities must follow, and it has an online complaint form where individuals can file concerns about the quality of care or conditions in local memory care facilities.

• Hagerstown is a budget-friendly place to live with an overall cost of living that’s about 17% below the national norm and nearly 30 percentage points below the state average. While grocery costs run a little high here, utilities, transportation and housing expenses are below national norms, which may result in more affordable memory care costs.
• Crime is a little more prevalent in Hagerstown than in the United States as a whole, which, for seniors with memory-related disorders, may make memory care a good alternative to living alone. On a 100-point scale, the city’s violent crime scores 29 and property crime scores 45.2. This is a little higher than the national scores of 22.7 and 35.4, respectively.
• Hagerstown’s weather is generally pleasant, making the city a favorable option for seniors who enjoy therapeutic activities outdoors. Temperatures range from lows of 22 degrees in the winter to highs of 86 in the summer. Many memory care facilities help residents stay comfortable throughout the year with measures such as personal thermostats and indoor and outdoor recreational opportunities. 
• Hagerstown is home to Meritus Medical Center, a major medical facility with a state-of-the-art emergency department and a level III trauma center. There are only 188 doctors per capita compared to the national norm of 210, but low health care costs may make the city financially viable for those managing chronic health conditions.
• Seniors in Maryland don’t pay state income taxes on their Social Security benefits, and those aged 65 and over can claim deductions to reduce how much they pay in income taxes for other types of income. This can help them put more money toward local memory care expenses. 
• The American Lung Association gives the Hagerstown region a passing score for annual particle pollution, an A for 24-hour particle pollution and a B for ozone pollution. The city’s clean air may support the health and comfort of seniors living with chronic conditions, such as asthma and COPD.