Carmel, Indiana is a small city located north of Indianapolis. It has a population of 101,068 based on 2019 U.S. Census estimates, and 12.8% of those residents are aged 65 or over. The city is known for its rich architecture and thriving art and design district. It is home to some stunning parks and gardens, including the Kawachinagano Japanese Garden, which was made in honor of Carmel’s sister city relationship with Kawachinagano, Japan. Carmel sees warm and humid summers, and cold, windy winters. Seniors will find many indoor and outdoor entertainment options, as there are 28 malls and 16 movie theaters in or close to the city along with many golf courses and walking trails.
Assisted living is a type of nonmedical residential care designed for seniors who need some extra assistance with daily tasks but can otherwise live independently. Services include assistance with bathing, eating and managing medications. In Carmel, IN, seniors pay an average of $4,478 per month for care, which is slightly more than Indiana’s average and in line with the national average.
This guide offers insight into how assisted living costs in Carmel compare to the rest of Indiana and what resources are available to help with the cost.
communities in Carmel, IN | 20 nearby communities
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Hundreds of thousands of American seniors utilize assisted living, a figure that is only growing. For these seniors, assisted living combines residential housing,assistance in daily activities, and some healthcare. These communities also strive to provide an atmosphere that is comfortable and engaging for their residents… Read More >
COVID-19 Rules and Restrictions for Assisted Living in Carmel
COVID-19 restrictions and rules for Assisted Living Facilities are typically set by the state – to see the rules in your state, you can read our guide to Assisted Living in Indiana. Keep in mind that there may be other policies that communities put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.
With an average monthly rate of $4,478, Carmel offers assisted living at a slightly higher price than Indiana’s monthly average of $4,283 — yet still comparable to the national average of $4,500 per month.
The United States
Seniors will find many cost variations for assisted living throughout Indiana. North of Carmel, Lafayette offers a higher monthly rate of $5,255. Evansville offers a slightly lower price than Carmel ($4,389), while Bloomington has a lower monthly rate equivalent to the state average ($4,283). Seniors in Valparaiso can also find lower monthly costs at $3,617 per month. Fort Wayne offers less expensive care than Carmel at $3,485, while South Bend has the lowest cost of care at $3,308.
Note: Data for Carmel was unavailable, so data for the nearest city, Indianapolis, was used instead.
How to Get Financial Assistance for Assisted Living in Carmel
More Ways to Pay for Assisted Living
Since not everyone can afford to pay for assisted living out-of-pocket, it’s important to find alternative methods to help make assisted living more affordable. Some of these options include:
Life Insurance Policy
Long-Term Care Insurance
For more information about your options for making assisted living more affordable, visit our guide to Assisted Living in Indiana.
Military veterans and their loved ones can visit their nearest vet center for advice and information about state and federal programs open to veterans. Staff can advise veterans on VA Aid and Attendance benefits, health programs, pensions and other support available in the state. Advisors can also offer eligibility assessments and signposting to other local agencies.
The center runs life-enrichment activities, congregate nutrition, group exercise classes and other services for seniors. The organization also helps seniors access information, support and services by providing referrals to the relevant local agencies. There is a nominal annual fee for membership of the organization.
The state Area Agencies on Aging help seniors access support and services that match their needs. It serves as a single point of contact for seniors who require assistance to access long-term care services, monitors provisions in the local area, drives innovation, and promotes continuous service improvement in the state.
This nonprofit law firm offers pro-bono legal services and advice on consumer law issues, elder law, family law, housing and public benefits. Low-income seniors can contact their nearest office to request a consultation.
Carmel Assisted Living Laws and Regulations
Assisted Living Facilities in the Carmel area are required to follow a set of rules and regulations that are determined at the state level. For an overview of those rules and regulations, see the information below. For more specific information, talk with your local community or Area Agency on Aging.