Independent Living Community
Own apartment, community amenities, no personal care included.
Why I built this
Most families I meet start planning for care after a fall or a hospital stay, when there's no time to compare options. The first question is almost always about cost, and an honest answer is hard to find online. I built these calculators so you can see real Washington numbers before you're forced to decide. Independent living is usually paid entirely out of pocket, so it helps to see how long savings will last.
— David Stein, founder of Real Property Planning
Independent Living in Washington
Estimate. No survey publishes a Washington figure for independent living; this is a national industry estimate, and Seattle-area communities often charge more. It generally costs less than assisted living because personal care is not included. Washington medians from the CareScout Cost of Care Survey, 2025 data (published March 2026); memory care, adult family home, independent living and CCRC figures are estimates. Includes a 3.5% yearly increase in costs. Actual prices vary by community and level of care.
Senior Living Cost Calculator — Results Summary
Prepared via realpropertyplanning.com on October 23, 2026
Care Type
Independent Living Community
Care Timeline
Care begins now (2026).
Planned for 3 years of care, through 2029.
Cost Assumption
Annual cost growth: 3.5%
Projected Cost
| Washington | National | |
|---|---|---|
| Per month | $3,145 | $3,145 |
| Per year | $37,740 | $37,740 |
| Total over 3-year plan | $117,229 | $117,229 |
Washington medians from the CareScout Cost of Care Survey, 2025 data (published March 2026); memory care, adult family home, independent living and CCRC figures are estimates. Actual costs vary by area, provider, and level of care. For general planning only. Courtesy of Real Property Planning — realpropertyplanning.com.
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Your next questions
Adult family home, assisted living or nursing home?
How Washington's care settings differ, and which fits which needs.
Will Medicaid pay, and what happens to the house?
Apple Health long-term care in Washington: eligibility, the home exemption, spend-down and the five-year look-back.
Should we sell the house to pay for care?
How a parent's home is sold to fund senior living in Washington, step by step, and what it means for taxes and Medicaid.
What does an adult family home cost?
Monthly costs by region and care level, including what Medicaid pays.
Can Mom or Dad afford to stay home?
A worksheet: the real monthly cost of staying home, with care hours at Washington rates, against income and savings.
Professional Disclosure
Real Property Planning is an educational and connection hub. It does not provide legal, tax, accounting, financial, brokerage, or appraisal services. Professionals referenced on this site are independently licensed and operate through their own separate businesses. Real estate brokerage services are provided by David Stein, a licensed Washington broker, through eXp Realty. Appraisal services are provided by David Stein through Stein Appraisal. Read the full disclaimer.
Working out how to pay for care?
The home is usually the largest part of the answer — what it is worth, whether to sell before or after the move, and how the proceeds fit the monthly number above. Talk through the housing and property options.
Talk through the housing and property optionsProperty questions go to David Stein, the featured broker and appraiser (eXp Realty), independently of Real Property Planning.