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Assisted Living in Maryland

Overview of assisted living in Maryland

Assisted living communities in Maryland are designed to promote independence, dignity, and healthy aging. They can be residential or facility-based, and they provide supervision, supportive services, and assistance with activities of daily living. Maryland assisted living communities are divided into three types (one through three) and are licensed based on level of care provided.[01]The average monthly cost of assisted living in Maryland is about $6,100, according to A Place for Mom’s proprietary data.[02] At this price point, Maryland assisted living costs are slightly more than the U.S. average.

Cost of assisted living in Maryland

The average monthly cost of assisted living in Maryland is about $6,100, according to A Place for Mom’s proprietary data. This is around $1,000 more than the national median cost, making Maryland among the costliest states for assisted living in the U.S.[02] These numbers refer to the average final monthly costs paid by families living in our partner communities.

In Maryland, costs at A Place for Mom’s partner communities typically range from roughly $4,000 to just under $8,800 a month. Communities in large metropolitan areas like Baltimore or the suburbs of Washington, D.C., generally cost more than facilities in smaller or more rural locations. Costs also vary by amenities provided, the level of care a resident needs, and the community’s pricing structure.

Maryland divides its assisted living facilities into three levels of care: one, two, and three. Three provides the highest-level, most comprehensive care. Communities at any level must be additionally licensed to provide cognitive care to seniors with Alzheimer’s disease or another type of dementia.

Costs can correlate to the level of care provided. Residents in a level one community may need less monitoring or assistance with activities of daily living than seniors in a level three facility, so those communities might cost less.

The monthly average cost of $6,100 generally cover a senior’s complete care needs, including:

  • Assistance with activities of daily living, such as dressing, bathing, and personal grooming
  • 24-hour supervision and monitoring
  • Three meals a day, plus snacks
  • Laundry and housekeeping services
  • Assistance with personal medication management or medication administration
  • Planned social events and scheduled activities

Factors that affect the cost of assisted living in Maryland may include:

  • Location. Urban centers, like Baltimore, may have assisted living facilities with higher monthly costs.
  • Cognitive support services. Seniors with Alzheimer’s disease or another type of dementia generally pay more. That’s because unique cognitive therapies, safety features, and added care may increase monthly costs.
  • Services and amenities. Additional amenities, like at-cost transportation, beauty salon services, and pet-friendly rooms, may add to an assisted living bill.
  • Occupancy. Residents in single-occupancy apartments often pay less than those living in shared rooms.
  • Level of care. The amount of assistance a senior needs can affect costs.

Medicare and Medicaid may offset some of the costs of medical care expenses in assisted living communities for qualifying seniors.

Compare costs of Maryland vs. the national average

Average monthly costs

Maryland

$5,216/mo

US National average

$4,555/mo

Compare costs of assisted living vs. nearby states

Average monthly costs

Maryland

$5,216/mo

Delaware

$5,675/mo

Pennsylvania

$4,284/mo

Virginia

$5,222/mo

Compare costs of assisted living in Maryland vs. nearby cities

Average monthly costs

Maryland

$5,216/mo

Baltimore, MD

$5,027/mo

Compare costs of assisted living vs. other senior care types in Maryland

Average monthly costs

Paying for assisted living in Maryland

A senior’s personal financial resources, preferences, and care needs can affect the way they choose to pay for assisted living. The sooner you’re able to evaluate your family’s budget, the more options your loved one may have available.

Time is of the essence, especially if your loved one hasn’t yet signed up for Medicare or if they plan to apply for public assistance programs. Medicaid home and community based services (HCBS) waivers — which are available for lower-income seniors in Maryland — may require a waiting period. If you plan to use Medicare or Medicaid to cover any medical services in assisted living, an application and approval period may apply.

Maryland also offers a unique Senior Assisted Living Subsidy Program for low and moderate-income older adults. The program uses state funds to subsidize financially eligible seniors’ care needs in assisted living facilities licensed by the Maryland Department of Health. The financial access limit is 60% of the state’s current median income, and the subsidy covers the difference between monthly income and senior living costs, up to just over $1,000 a month.[03]

Families generally use a mix of public payment methods and personal to cover the costs of assisted living. We’ll explore some of these options below. For a high-level overview of payment options, read through our complete guide to paying for long-term care.

Options that count as private pay methods include retirement accounts, pensions, personal savings, assets, and funds contributed by family members. Seniors and their families can also secure private pay funds by exploring the options below.

Selling a house
Selling your house in Maryland can provide funds to put toward assisted living.

Reverse mortgage
Leveraging home equity through a reverse mortgage can help pay for assisted living.

Health savings accounts
A health savings account (HSA) can cover the cost of health expenses, like certain care services and medical supplies, in Illinois assisted living.

Life insurance
A life insurance policy can be sold or surrendered for cash value to offset the costs of assisted living in Maryland.

Social Security benefits for assisted living
Seniors who qualify for Social Security can use those funds at their cash value to cover part of their assisted living costs in Maryland.

Top-rated Assisted Living facilities in Maryland

5
5 Photos available

Azalia Home

5135 Charlington Court, Frederick, MD 21703
9.9
Review Score
20 reviews
Starting at
$X,XXX/mo
John - I'm a loved one of a resident or client

My mother is currently a resident at Bethany Living II and everything has been great for her at this facility so far. The staff is very sincere in taking care of my mother. They reach our if anything is...

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5
5 Photos available

Montgomery Eldercare at Orchard

1106 Orchard Way, Silver Spring, MD 20904
9.8
Review Score
26 reviews
Starting at
$X,XXX/mo
Cyndi - I'm a loved one of a resident or client

All are a 5! We are so happy we found Montgomery Eldercare (with your help of course). My mother is very happy there--she has never even asked to go home. They keep the house extremely clean. I can't say...

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14
14 Photos available

Caring Well at Aquarius

3016 Aquaris Ave, Silver Spring, MD 20906
9.8
Review Score
8 reviews
Starting at
$X,XXX/mo
Anonymous - I'm a loved one of a resident or client

Everything is amazing. 5 all across the board. The staff is very knowledgeable of Alzheimer's/dementia and how to care for patients accordingly while also being very personable. The neighborhood is lovely....

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Top-rated Assisted Living facilities in Silver Spring

See top facilities
24
24 Photos available
9
9 Floor plans available

Sunrise of Chevy Chase

2201 Colston Drive, Silver Spring, MD 20910
9.6
Review Score
15 reviews
Starting at
$X,XXX/mo
Virgie Harris Bovelle - I'm a loved one of a resident or client

Sunrise of ChevyChase is great home for your family member. They truly care for your loved one. And they care for you too. Sunrise of Chevy Chase truly provides piece of mind and relief when you have to...

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15
15 Photos available

Avalon House on Laburnum Street

1453 Laburnum Street, McLean, VA 22101
10
Review Score
15 reviews
Starting at
$X,XXX/mo
Missy B - I'm a loved one of a resident or client

We had our mother there for about seven years. All the staff took incredible care of her, we felt incredibly safe to have her there. We could not have been happier with this whole establishment, and all the...

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13
13 Photos available

Avalon House on Woodacre Drive

1505 Woodacre Drive, McLean, VA 22101
10
Review Score
20 reviews
Starting at
$X,XXX/mo
Karen - I'm a loved one of a resident or client

Our mother, who has dementia and requires 24-hour care, has been a resident for more than 3 years. The staff are like family members to her and we have found it to be a comfortable fit. Other than a bit...

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Top-rated Assisted Living facilities in Bowie

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15
15 Photos available

Tribute at Melford by Cogir

17300 Melford Blvd, Bowie, MD 20715
9.6
Review Score
40 reviews
Starting at
$X,XXX/mo
Kristen R - I'm a loved one of a resident or client

It was loving and clean and safe! The staff were INCREDIBLE! They became our family! The food was excellent and the facility is beautiful- I want to live there!

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9
9 Photos available

Charter Senior Living of Bowie

7600 Laurel Bowie Rd, Bowie, MD 20715
9.0
Review Score
17 reviews
Starting at
$X,XXX/mo
T. Fields - I'm a loved one of a resident or client

What our family likes the most about Charter Senior Living is the executive director is very proactive and willing to do what it takes to resolve issues. Based on the experience we have had so far, we would...

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6
6 Photos available

Harmony at Enterprise

12000 Traditions Blvd, Bowie, MD 20720
8.7
Review Score
5 reviews
Starting at
$X,XXX/mo
Anonymous - I'm a loved one of a resident or client

What our family likes the most about Harmony at Enterprise is the overall cleanliness, the staff and for the most part the quality of care. Based on the experience we have had so far, we would recommend this...

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Top-rated Assisted Living facilities in Rockville

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14
14 Photos available

The Terraces at Tuckerman Lane

5550 Tuckerman Ln, North Bethesda, MD 20852
9.4
Review Score
46 reviews
Starting at
$X,XXX/mo
Melinda B - I'm a loved one of a resident or client

The staff at Sunrise are what makes this the best place out there. They are so friendly, caring, and kind. I feel so comfortable knowing my dad is in the hands of people who truly care and want the best for...

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8
8 Photos available
4
4 Floor plans available

Sunrise of Rockville

8 Baltimore Road, Rockville, MD 20850
9.3
Review Score
42 reviews
Starting at
$X,XXX/mo
Cathy - I'm a loved one of a resident or client

I am impressed by this facility every day. The staff is very nice. It's evident that they are caring people. The food is very good. They're are always plenty of options our meat eaters and vegetarians. It...

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8
8 Photos available
4
4 Floor plans available

Landow House

1799 East Jefferson, Rockville, MD 20852
8.0
Review Score
12 reviews
Starting at
$X,XXX/mo
Miriam B - I'm a loved one of a resident or client

My Mom loves Landow House. The staff are so sweet and always happy. They are very responsive. My Mom loves the activities. Field trips in Tuesdays and movies on Thursdays are her favorite. I can join her for...

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Top-rated Assisted Living facilities in Baltimore

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10
10 Photos available

Symphony Manor

4301 Roland Avenue, Baltimore, MD 21210
8.6
Review Score
30 reviews
Starting at
$X,XXX/mo
Anonymous - I'm a loved one of a resident or client

I would recommend Symphony Manor to others. It's a lovely place in a lovely part of Baltimore-not too big and by and large. I had few issues there. The one thing that in addition to cost made me move was...

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10
10 Photos available
2
2 Floor plans available

Charter Senior Living Towson

6451 N Charles St, Towson, MD 21212
8.5
Review Score
62 reviews
Starting at
$X,XXX/mo
Anonymous - I'm a loved one of a resident or client

My loved one is currently a resident at Charter Senior Living Towson and the overall experience has been good so far. The friendliness, staff and care services are great. The meals are okay. The value for...

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12
12 Photos available
12
12 Floor plans available

Springwell Senior Living Community

2211 West Rogers Avenue, Baltimore, MD 21209
8.0
Review Score
20 reviews
Starting at
$X,XXX/mo
Anonymous - I'm a loved one of a resident or client

Sometimes it may be hard to figure out who to call to sort things out, but overall the staff members at Springwell Senior Living community are very nice.

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Assisted living requirements and regulations in Maryland

The Maryland Department of Health Office of Health Care Quality licenses assisted living facilities based on the level of care they provide. The state doesn’t set a minimum number of residents for licensure, so any facility with two or more unrelated residents can be licensed as an assisted living community.

Facilities provide at least one level of care:

  • Level one: Low level care
  • Level two: Moderate level care
  • Level three: Highest level of care

Communities are licensed to provide residents with a certain level of care. The level at which a community is licensed is determined by the needs of residents. Health, medication management, behavioral management, and assistance with ADLs are all taken into account. Communities with residents experiencing dementia or psychiatric conditions must be separately certified.[01]

Here are some additional factors Maryland takes into consideration when licensing assisted living facilities:

  • Assistance with activities of daily living. Staff must assist each resident with at least two activities of daily living, even in level one communities.
  • Medication management requirement. Managers and staff who administer medications have to complete a medication administration course taught by a registered nurse who is approved by the Board of Nursing. Pharmacists must conduct on-site medication reviews for any resident who takes nine or more prescribed medications.
  • Safety standards. Facilities must comply with the National Fire Protection Association Life Safety Code 101. They also must have emergency evacuation plans approved by the state. Assisted living communities with over 50 residents must have backup generators.
  • Resident assessment requirements. All residents must be evaluated by a physician no more than 30 days prior to move-in. Additional evaluations are required within 48 hours of any non-routine hospital stay or significant change in condition.
  • Occupancy. No more than two people can occupy a unit in an assisted living facility. There must be at least one bathroom per four residents.

Staffing requirements for Maryland assisted living facilities

Qualified staff must be on-site 24 hours a day when residents are present. An assessing physician or nurse can use Maryland’s Resident Assessment Tool to determine whether residents require awake overnight staff.

All assisted living facilities must have an agreement with a registered nurse whose job it is to delegate nursing tasks to employees. This nurse doesn’t have to be on-site at all times, depending on the level of care a community provides.

Level three — the highest level — assisted living facilities must have a qualified manager with a college degree and two or more years of experience in the health care field. They also must complete an 80-hour training program that covers aging, cognitive needs, and dementia.

Understanding Maryland’s system of regulation and records

We developed a system to rate each state based on the ease of information access, meaning how easy — or difficult — it is to find important assisted living records and reports. States with the most transparent records allow you to look up important information about each assisted living facility online, including inspections, complaints, survey results, violations, capacity, and Medicaid acceptance.

Access to Maryland assisted living records: Exceptional

Public access to assisted living records and reports for the state of Maryland is exceptional. Key findings that informed this rating include:

  • Maryland is one of very few states to include information about the pricing of assisted living communities online.
  • Maryland has one of the easiest to use and most attractive state websites for researching assisted living records. However, surveys for communities with less than 10 residents are not available.

How to look up Maryland assisted living licenses and records

Visit Maryland’s Guide to Consumer Long Term Care to find a listing of licensed providers.

How we arrived at our Maryland rating

We developed astandard methodology for state data collection and evaluation, and we based our rating primarily on the objective, state-specific accessibility criteria outlined in these questions:

1. Are licensed assisted living communities listed online in any form? Yes
 2. If Yes to #1, is the information updated frequently? Yes
 3. If Yes to #1, is the list of licensed communities searchable? Yes
 4. Does the state post inspections, complaints, survey results, or violations online? Yes
 5. If Yes to #4, is the information updated frequently (within 90 days)? Yes
 6. If Yes to #2 and #4, is the enforcement information included in the same place as licensed communities? No
 7. If Yes to #4 and No to #6, are violations and inspections searchable at all? Yes, or not applicable
 8. Is information about special licensing for care shown? Yes
 9. Is capacity shown? Yes
 10. Are payment types shown (e.g., Medicaid, private pay)? No
 11. Is the administrator/contact name shown? Yes
 12. Can the state fine a facility? Yes
13. What is the frequency of inspections? Every 15 months
 14. Does the website include pricing of facilities? Yes

References

  1. The People’s Law Library of Maryland. (2022, December 6). Assisted living in Maryland.

  2. A Place for Mom. (2023). A Place for Mom proprietary data.

  3. Maryland Department of Aging. (2022, June 10). Memorandum #22-2.

  4. Maryland Department of Veterans Affairs. Federal and state benefits for service connected veterans.

  5. Maryland.gov. (2023). Am I eligible for Medicaid?

Top cities in Maryland for assisted living

9.1
Frederick, MD
10 facilities
8.8
Silver Spring, MD
104 facilities
8.6
Rockville, MD
86 facilities
8.5
Annapolis, MD
17 facilities
7.5
Bowie, MD
50 facilities
7.3
Baltimore, MD
58 facilities

Find assisted living in other states

Find Assisted Living in Maryland cities

The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.