Independent Senior Living Communities in Maryland

Independent living communities in Maryland are designed for seniors to live on their own terms, without the added stress of maintaining a property. This senior care type allows individuals to maintain their unique lifestyles in communities devoted to their social enrichment, support, and overall well-being. Although each location varies, seniors are sure to find a range of amenities and opportunities for recreation along with like-minded peers. Independent living is quickly becoming one of the most popular long-term care options for seniors in Maryland.


Find Senior Caring Options by County

Cost Comparisons of Maryland's Independent Living

City Monthly Minimum Monthly Maximum Monthly Median
Cambridge $4,965 $6,437 $5,957
Annapolis $4,250 $5,610 $5,102
Salisbury $4,457 $5,400 $5,243

Maryland has 60 independent living communities with the average cost of $3,238 per month.

Every independent living community offers a unique range of amenities and services. You’ll likely find housekeeping and linen services, transportation, meal plans, and fitness centers anywhere you go. Medical services are available but usually, come at an extra cost. Independent living is about sustainability when it comes to pricing - here you can compare several cities in Maryland to choose the best option!

Recreation & Attractions in Maryland

Maryland has many attractions for residents to enjoy such as the Deep Creek Lake State Park, Brookside Garden, Babe Ruth Birthplace and Museum, Ocean City, Assateague State Park, and many more sights. Residents can get active by going to the Deep Creek Lake State Park for canoeing, fishing, boating, hiking, and swimming. The Babe Ruth Birthplace and Museum give the residents the opportunity to see where the legendary baseball player lived and artifacts from his life. Ocean City has a great boardwalk and beach for residents to relax and explore. The Assateague State Park has beautiful beaches and nature walks with wild horses roaming all over the island.

Maryland's Climate, Geography & Culture

The average temperature in Maryland is 58 degrees, with a high temperature of 66 degrees and a low temperature of 51 degrees. The summers are usually mild to hot and wet, with temperatures in the 80s. The winters are usually around 40 degrees and are colder in the Western area of Maryland, while in the East and South temperatures are cooler. July is the hottest month with an average temperature in the upper 80s. January is the coldest month with temperatures averaging in the low 20s. Maryland typically receives 41 inches of rainfall and 20 inches of snowfall annually.

Maryland is an interesting mix of northern and southern American cultures. Maryland is known for their seaside and agricultural developments, as well as its interesting pastimes like lacrosse and jousting. The state is home to many natural parks and the state works to preserve areas like the Chesapeake Bay among others.

Maryland's Independent Living Regulations and Laws

All rules and regulations of Maryland independent living communities are overseen by The Department of Health and Mental Hygiene. These regulations ensure that all communities meet the appropriate health, safety, and medical conditions. The public can view these reports upon request, which detail any past violations and the steps taken to correct them. Your safety and satisfaction are the highest priority to your community and fellow residents, so never feel afraid to air your grievance if you think there has been a violation. 

Crime & Safety in Maryland

Maryland Crime Prevention Association and Maryland Community Crime Prevention Institute, crime stoppers, and neighborhood watches all aim to reduce and prevent crime by providing the community with information and their services to keep community members safe.

LocationViolent Crimes Per 1,000 ResidentsProperty Crimes Per 1,000 Residents

Payment Options for Maryland Independent Living

Considering that Medicaid and Medicare cannot be used for independent living in Maryland (or anywhere for that matter), seniors looking into this care type will need to consider their options. Most people end up paying out of their private funds, assets, or pension but this is not always the case for everyone. 

Single U.S. veterans can receive up to $1,644 a month, or $1,949 as a married couple. Surviving spouses are also eligible to receive around $1,056 a month as well. Otherwise, citizens over 65 can collect a Supplemental Security Income (SSI) averaging $733 a month. Seniors must have a disability, support children, and lack a sustainable income to be eligible. 

Another option that is gaining popularity is opening a senior living line of credit, allowing up to $50,000 of unsecured credit to pay for care as needed. The funds are sent directly to your community and the repayment options are usually very flexible with little to no collateral required in most cases. 

Senior & Elderly Rights for Independent Living in Maryland

While living in an independent living community. You retain your constitutional rights, as well as the ability to manage and make decisions regarding your own medical care and finances. If you find that your rights have been violated, contact a lawyer familiar with elder law. For assistance in learning about and exercising your rights, you can review the Maryland Ombudsman for more details. 

MD Independent Living Medical Record Rules & Regulations

As an independent living resident in Maryland, you have the right to obtain and review your personal medical records. Federal and state laws maintain the privacy of these records, requiring hospitals and physicians to keep them for a period of 7 years. To receive your records, a formal request is submitted and must be acknowledged within 30 days. For more official details, check out Maryland Attorney General’s website.

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.