Independent Living vs Staying Home
Should your parent move to an independent living community or stay in their house? This is often the first senior living decision families face. It comes down to safety, social connection, finances, and lifestyle preferences.
Side-by-Side Comparison
| Independent Living | Staying Home | |
|---|---|---|
| Maintenance | All handled by community | Your responsibility |
| Social Life | Daily activities, events, neighbors | Depends on existing network |
| Meals | Dining options available | Self-prepared |
| Safety | Staff on site, emergency systems | Medical alert device recommended |
| Transportation | Scheduled transport provided | Drive yourself or arrange rides |
| Typical Cost | $2,500/month | $1,500-$3,000/month (varies widely) |
| Home Equity | Sell or rent your home | Retain full equity |
| Flexibility | Community rules and schedules | Complete freedom |
Which Is Right for Your Family?
Choose Independent Living if...
- Seniors who are isolated or lonely at home
- Those tired of home maintenance, yard work, and repairs
- People who want built-in social activities and dining
Choose Staying Home if...
- Seniors with a strong local social network and support
- Those with a paid-off home and low monthly expenses
- People who are active, healthy, and managing well independently
Pros and Cons
Independent Living
Pros
- +Maintenance-free lifestyle
- +Built-in social community
- +Safer environment with staff
- +Dining and activities included
- +Easier for family to visit one location
Cons
- -Monthly cost adds up
- -Must leave family home
- -Community rules
- -Adjustment period
Staying Home
Pros
- +Familiar environment
- +No monthly community fees
- +Complete independence
- +Emotional attachment to home
Cons
- -Social isolation risk
- -Home maintenance burden
- -Safety concerns (falls, emergencies)
- -May need modifications (ramps, grab bars)
What This Means in Arizona
In Arizona, the average independent living community costs about $2,500/month. For homeowners, factor in property taxes ($1,500-$3,000/year in Maricopa County), insurance, utilities, and maintenance when comparing. Many Arizona seniors find independent living more cost-effective than maintaining a large home.
Frequently Asked Questions
At what age should someone consider independent living?
There's no specific age — it's about lifestyle and needs. Many Arizona independent living communities accept residents from age 55+. Common triggers: difficulty maintaining the home, feeling isolated, wanting more social activities, or a spouse passing away.
Can I keep my home if I move to independent living?
Yes. Many families rent out the home to help cover community costs, or keep it while they try independent living. However, most people find they prefer the community lifestyle and eventually sell.
What if my health declines after moving in?
Choose a CCRC (Continuing Care Retirement Community) that offers assisted living and memory care on the same campus. Arizona has several, including communities in Scottsdale, Phoenix, and Mesa. This way you never have to move again.
Need Help Finding Care in Phoenix?
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Not Sure Which Option Is Right?
Our local advisor will assess your loved one's needs and recommend the right type of care — completely free.