About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2024 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2024 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2024 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
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10 Best Independent Living Communities in Memphis, TN

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A music-lovers paradise, Memphis is also a dream for anyone who appreciates a mild climate and outdoor activities. In this guide, you’ll learn everything you need to know about our 10 independent living partner facilities within a 25-mile radius of downtown Memphis.

Independent living is a more relaxed way of living. Offering the logistic and social benefits of living in a senior community while still being able to live as you choose, exploring your interests, connecting with friends and family, and spending time in the wider community.

This guide will highlight the costs associated with independent living, ways you can pay for independent living, regulations that guide independent living communities, health care options for seniors, and activities to enjoy in Memphis.

How do we rank Memphis independent living communities?
Our goal is to help you find high-quality independent living facilities that fit your needs. Using our 20+ years of experience in senior living, we developed a proprietary rating system based on the following:

  • Recent, high-quality reviews. We take into account reviews from the past two years. Then, we look for independent living options that people prefer. Communities that have mostly positive ratings in the past two years are prioritized over facilities that have low or no reviews in the past two years. Reviews also help us understand what matters most to families like yours and how you rate communities based on subcategories like meals and dining, staff, and cleanliness.
  • Facility transparency. Communities that have robust information are prioritized over facilities that don’t offer the same level of transparency.
  • Location. Independent living options vary based on proximity to your desired location.
Memphis Independent Living Facilities | 732 Reviews
Showing 50 communities
Last Updated: 4/12/24
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Photo of King's Reserve Memphis
88 Photos available
9.3
Review score
69 reviews
9.3
Review score
69 reviews
5 star
48%
4 star
32%
3 star
10%
2 star
6%
1 star
4%
See all reviews
The staff is really friendly. They just recently remodeled the lobby and several of the floors were updated as well. They have several different layouts for apartments and price points. We picked a 1...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Located near downtown Memphis, in the Evergreen Vollintine Historic District,adjoining the Green Line walking trail. We are just a few blocks from Overton Park, the Memphis Zoo, and the beautiful campus of Rhodes College, and less than five miles to beautiful Harbor Town. The Community is gated,...
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Photo of Heritage at Irene Woods
1111 Photos available
33 Floor plans available
Pricing promotion expiring soon
9.2
Review score
11 reviews
9.2
Review score
11 reviews
5 star
82%
4 star
18%
3 star
0%
2 star
0%
1 star
0%
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The heat got repaired at Heritage yesterday around noon. I’m so glad of that too. The employees there are very nice the food there is very good from what I understand. After 2 1/2 days of no heat I’m...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Heritage at Irene Woods was designed by nationally known real estate developer Edwards Rose & Sons and is the area’s most sought after option for a beautiful senior living choice. Heritage at Irene Woods offers independent living apartment homes, assisted living apartments and memory care...
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Photo of Royal Retreat Assisted Living
22 Photos available
9.0
Review score
12 reviews
9.0
Review score
12 reviews
5 star
59%
4 star
8%
3 star
25%
2 star
8%
1 star
0%
See all reviews
Very nice community of staff and residents. My father is very happy and is thriving.It was the right fit for my father's needs. I would recommend to others.
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Royal Retreat Senior Living Community is a home like no other. We are locally owned and managed by Memphians who have an authentic understanding of the needs and culture of the community we serve. We are driven by passion to improve the quality of life for our senior residents and provide them a...
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Photo of The Elevation at Autumn Ridge
1919 Photos available
Pricing promotion
9.0
Review score
56 reviews
9.0
Review score
56 reviews
5 star
32%
4 star
34%
3 star
16%
2 star
4%
1 star
14%
See all reviews
I love it here. It is more than perfect for me. They don't provide meals, but all else is superb. The staff is all friendly. It's just great here.
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Independent Senior Apartment Community 55+We all want freedom: The freedom to live life to the fullest, to experience the joy of quality time with family and friends, the freedom of choice. A Senior Community lifestyle affords residents the freedom to live the life they dream of amongst their...
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Photo of Village at Primacy Place
1212 Photos available
9.0
Review score
41 reviews
9.0
Review score
41 reviews
5 star
51%
4 star
34%
3 star
10%
2 star
5%
1 star
0%
See all reviews
The facility is always well kept. No funny smells and the director is outstanding. The negative side is the aids are sometimes not as helpful as they should be. For us the main reason we chose this place...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Our community offers social, life-enriching activities every day for connecting with friends and family, sharing memories and experiencing a sense of belonging. The Village at Primacy Place is more than senior living—it's a way of life. If you’re looking for a community that understands and...
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Photo of Town Village Audubon Park
1313 Photos available
8.8
Review score
46 reviews
8.8
Review score
46 reviews
5 star
67%
4 star
24%
3 star
7%
2 star
2%
1 star
0%
See all reviews
All of the categories that are listed receives 5 stars. What our family likes the most about Town Village Audubon Park is the people. Everyone there is so caring, attentive, friendly and welcoming. It truly...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Town Village is much more than senior living—it's a way of life. Here you'll find a distinctive living experience filled with friendships and life enrichment activities. Step outside and discover peaceful outdoor spaces perfect for visiting with friends, gardening, enjoying fresh air or bird...
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Photo of HarborChase of Germantown
44 Photos available
8.5
Review score
8 reviews
8.5
Review score
8 reviews
5 star
61%
4 star
13%
3 star
13%
2 star
0%
1 star
13%
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Our loved one was only there for a month and during his stay the staff were very very nice. The community was always clean, the staff were helpful, genuinely caring, compassionate and such. It was a...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
HarborChase of Germantown is a place where unrivaled hospitality and classic elegance converge in a timeless setting of peaceful tranquility. Here, you’ll find much more than amazing value in the award-winning cuisine, personalized housekeeping, exhilarating activities, generous amenities and...
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Photo of Belmont Village Memphis
1717 Photos available
66 Floor plans available
8.5
Review score
70 reviews
8.5
Review score
70 reviews
5 star
40%
4 star
40%
3 star
16%
2 star
3%
1 star
1%
See all reviews
It's a great place but pay close attention before signing any leases on the money side. Things get added on that unless you go over all the details you will not know what's being charged. The thing we like...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Belmont Village of Memphis, Tennessee is located in the attractive Germantown residential area shaded by Crape Myrtle and Dogwood trees, not too far from the Mississippi River. Situated near shopping, restaurants, places of worship and outstanding medical facilities — not to mention everything...
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Photo of Pointe At Kirby Gate
1111 Photos available
55 Floor plans available
8.5
Review score
44 reviews
8.5
Review score
44 reviews
5 star
41%
4 star
34%
3 star
23%
2 star
0%
1 star
2%
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My mom has been a resident at The Point at Kirby Gate for two months. So far, I am pleased and she is, too!!! She tells me at every visit they are so good to her, and that is so important!! Her room is...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Located right outside of Germantown, our community offers you a whole new world of friendship, gracious living, comfort and convenience in an ultimate location. Put them together and you have the perfect combination for an independent, rewarding and fulfilling retirement. We invite you to call...
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Photo of Foxbridge Assisted Living and Memory Care
1010 Photos available
8.5
Review score
74 reviews
8.5
Review score
74 reviews
5 star
39%
4 star
35%
3 star
20%
2 star
5%
1 star
1%
See all reviews
Sometimes hard to get any answers. They won't allow to have hearing devices plugged up to charge. It helps patient anxiety if they can hear and communicate with staff. They should know that being a memory...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Located in the middle of Shelby County is Foxbridge Assisted Living and Memory Care community, a unique, quiet, gated, eight-acre campus featuring five residential cottages with twenty-four apartments each. Walking paths, gardens, pond, ducks and ducklings, geese and goslings, many kinds of birds...
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Photo of Brookdale Germantown
1212 Photos available
8.8
Review score
52 reviews
8.8
Review score
52 reviews
5 star
29%
4 star
44%
3 star
13%
2 star
6%
1 star
8%
See all reviews
I think it was a good place. The staff seemed to sincerely care about my mom. I would recommend. I picked it because it wasn't huge, it was clean and we had a very positive feeling as we spoke to people that...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
A great life. For great seniors.Take the short drive from Memphis to the upscale town of Germantown, Tennessee, and you’ll find a premiere assisted living community that helps seniors find a new kind of independence. Here, you have access to world-renowned health care while also enjoying the...
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Photo of The Pinnacle of Southaven
99 Photos available
8.6
Review score
8 reviews
8.6
Review score
8 reviews
5 star
38%
4 star
37%
3 star
25%
2 star
0%
1 star
0%
See all reviews
Everything was great. The staff was always pleasant & always answered any questions right away or found out the answers to the questions that they did not know. What stood out about Pinnacle was their...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Hermitage Gardens of Southaven is a beautiful, 55-suite retirement community offering Assisted Living and Alzheimer's Care. Step inside our doors and discover charming assisted living with a distinctive grace reminiscent of Southaven's celebrated history. Personal touches create a community rich...
Photo of Pendleton House of Love
44 Photos available
5 star
50%
4 star
50%
3 star
0%
2 star
0%
1 star
0%
See all reviews
I like the care that my father is getting at this community from the excellent staff. The menu is very good and he seems to be happy with the variety of meals. I am happy that the community is clean and he...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Highland Terrace at Midtown
1010 Photos available
5 star
54%
4 star
31%
3 star
3%
2 star
6%
1 star
6%
See all reviews
Happy with my choice. Great location, friendly neighbors, cooperative office staff. The space is right sized for me, it has all the amenities I needed. Management is making changes to the building I wasn't...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
If you are tired of spending your retirement working around the house and ready to live a little,then the Terrace is right for you. Here you can come and go as you please enjoying all that the Terrace and Memphis have to offer,yet feel safe and secure surrounded by friends and a friendly,caring...
Photo of Luther Towers
44 Photos available
5 star
43%
4 star
14%
3 star
29%
2 star
0%
1 star
14%
See all reviews
I really need to give [Name removed] at hats off because , this is the best apartment complex in my life, I have live in and I been here going on 6 years and don't have any plans on moving period. I have...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Luther Towers offers 1 bedroom apartments for independent, seniors (50+) or the disabled. The apartments have been recently upgraded. Upgrades include hard wood flooring, new appliances, and ceiling fans. There is an on-site store, laundry facility, and newly remodeled beauty salon/barber shop....
Photo of Trezevant Episcopal Home
1010 Photos available
55 Floor plans available
5 star
50%
4 star
33%
3 star
17%
2 star
0%
1 star
0%
See all reviews
They're great. I love the staff. I love the way they take care of my mother. The nurses are just the best. My mother is on the second floor in the Terrace assisted living section. And they are so...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Trezevant is the Mid-South's only accredited continuing care retirement community providing the highest quality of life, wellness and independence for senior adults. Our new program at Trezevant Terrace introduces gracious assisted living and memory support services bringing superior care,...
Photo of The Parkview
88 Photos available
5 star
51%
4 star
26%
3 star
16%
2 star
2%
1 star
5%
See all reviews
We have been pleased with The Parkview studio apartment. Perfect size for my brother, and because he lives there a free membership to the zoo is included (within walking distance). Two daily meals and...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
The Parkview is located in the heart of Mid-Town Memphis with views of Overton Park. Our apartment-style community offers all of the amenities of a home without the work. Imagine a life without household chores, yard work or home maintenance. Invite guests to a meal, special event or social...
Photo of City View Towers
11 Photo available
5 star
0%
4 star
0%
3 star
0%
2 star
100%
1 star
0%
See all reviews
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
City View Towers are twin high-rise apartments overlooking downtown Memphis, TN. City View is the largest Section-8 community in Tennessee and the one of the best for seniors over the age of 55 to call home. The property has an Elderly designation with HUD and we pride ourselves on our ability to...
Photo of Embassy Apartments
44 Photos available
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
My mother has settled into this community very well, she loves it here ! It is a nice clean community, they do a good job with keeping the grounds, and community well maintained. The staff is very nice, they...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
The Ideal Solution The Embassy is the answer for those who wish to enjoy the conveniences available in a fine home without the responsibility and expense of maintaining a house and grounds. We offer a prestigious address and friendly, secure sanctuary without the expenses and problems of home...
Photo of Serenity Apartments at Hickory Hill
55 Photos available
5 star
58%
4 star
17%
3 star
17%
2 star
8%
1 star
0%
See all reviews
I don't have a lot of hands on experience with the place, but from what I have seen and what I have heard from my loved one they do a fine job here! It's a nice looking place, and the people all seem very...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Serenity Apartments @ Hickory Hill has been voted the Best Senior Living in Memphis for 2015. We were listed in the Memphis Business journal as one of the Top Retirement Communities. It has everything to make your new place to call home more enjoyable! All of our unfurnished apartment homes...
Photo of Laurel Glen at Memphis Assisted Living and Memory Care
1010 Photos available
7.0
Review score
49 reviews
7.0
Review score
49 reviews
5 star
33%
4 star
47%
3 star
8%
2 star
4%
1 star
8%
See all reviews
Laurel Glen at Memphis was head and shoulders above other places we toured. It is very updated and nice. With any facility like this, there is a period of time where you really have to follow up and make...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
For more than 20 years, the dedicated team at Laurel Glen at Memphis has been providing the finest Assisted Living/Memory Care community services in the Memphis, Germantown, Collierville, Shelby and Desoto area.We know how difficult it can be for a loved one to make the transition from home to a...
Photo of Kirby Pines/Fireside Villa/Providence Place
33 Photos available
5 star
14%
4 star
36%
3 star
0%
2 star
7%
1 star
43%
See all reviews
No one greeted us when we moved in.They weren't even expecting us to move in.She's supposed to wear a watch but they don't check if She loves the food there. They emphasis they have a lot of activities but...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Kirby Pines Retirement Community is an award winning 50-acre life care retirement community located in Memphis, Tennessee. With the incomparable lifestyle and comprehensive life care offered, we offer you a beautiful home, whether it is an Independent Apartment or Garden Home, an Assisted Living...
Photo of Ave Maria Assisted Living
11 Photo available
5 star
50%
4 star
0%
3 star
50%
2 star
0%
1 star
0%
See all reviews
My loved one was very ill, and they assisited with everything she needed in every way. And they made her last days as good as they could possibly be.
Provides: Assisted Living, Memory Care, Home Care, Nursing Homes
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Home Care: Home care relies on trained aides to provide companionship and non-medical care for seniors living at home.
Nursing Homes: Nursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.
Photo of South Breeze Senior Living
1212 Photos available
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
South Breeze Assisted Living is a 28-unit, single-story residence. The intimate 20,000 square-foot floor plan puts dining and common living space within a short walk from each resident's living quarters. South Breeze offers five floor plans ranging from a studio to 2-bedroom. Your job is living...
Photo of The Village at Germantown a CCRC
8.0
Review score
4 reviews
8.0
Review score
4 reviews
5 star
75%
4 star
0%
3 star
0%
2 star
25%
1 star
0%
See all reviews
Our dear mother bought in/ moved into the Village 5+ years ago, and has enjoyed it very much. The staff, service, friends, activities, and food, etc. have been excellent and we've had no problems. She is...
Provides: Memory Care, Independent Living
Care types provided by this community
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.

What families are saying about independent living in Memphis

Recent reviews for independent living in Memphis

Brookdale Dogwood Creek in Germantown, TN

2.9
Our major issues has been housekeeping. I believe they are understaffed at Brookdale. The lady that comes in my loved one's room isn't really clean. We would like to have the bathroom cleaned, change the linens, and vacuum the floors. This is all within the guidelines and we aren't expecting ...
Read more

Cordova

5.0
Shelby Gardens might not be the newest, fanciest assisted living facility, but it does have the best staff. In fact, they just won a bunch of awards! The staff really care for my mom and look out for her best interests - and she’s not always the easiest to get along with. Shelby Gardens has ...
Read more

The Village at Germantown a CCRC

4.8
I was happy with the care that my husband received here at this community. It is very clean and taken care of. The staff was very attentive and friendly. He was pleased with the variety of meals. They did offer activities for him to participate. I would highly recommend the care and value here ...
Read more

Costs of independent living in the Memphis area

Independent living communities in Memphis offer competitive pricing when compared to the national average. The average monthly cost for Memphis independent living is $2,656, which is about $500 less per month than the national average. This cost includes associated fees and add-ons. Pricing information comes from A Place for Mom’s 2022-2023 proprietary data on its partner communities in Memphis.[01]

Independent living offers a relaxed lifestyle choice for people who want to live independently without worrying about the inconveniences of home ownership. Below is a list of on-site amenities and services typically included in monthly rent at our partner independent living communities in Memphis, Tennessee:

  • Dining services
  • Recreation areas
  • Social activities
  • Transportation
  • Maintenance and repairs

The following are average baseline costs for independent living in Memphis before any add-on fees.

Average monthly cost of Independent Living in Memphis, TN vs. nearby cities

Memphis, TN

$3,646/mo

Blanton, AR

$3,313/mo

Woodstock, TN

$3,549/mo

How people pay for independent living in Memphis

Unlike assisted living, independent living is not classified as a senior care community by insurance providers, so programs like Medicaid, Medicare, or long-term care insurance don’t cover rent costs associated with independent living. These programs can, however, help with medically necessary in-home care costs, should care needs arise.

In this section, you will learn about some of the ways people typically pay for independent living. Resources include private pay options, VA benefits, Medicaid, Medicare, and public assistance.

Private pay methods in Memphis

Private pay options are a great way to supplement independent living costs where possible. Private pay can include things like Social Security benefits, investment returns, pensions, and savings accounts. Depending on your current financial circumstances, the following private pay options may also apply:

Caregiver Resources
Reverse Mortgages and Long-Term Care: The Pros and Cons
By Merritt Whitley, senior living writer and editor
VA benefits for independent living in Memphis
28694

Number of veterans who live in Memphis

43% of Memphis veterans are 65+

Several VA benefits are available to support the medical and home costs of qualified veterans in Memphis. One of the most common benefits is the Aid and Attendance benefit, which can be added to an existing VA Pension to pay for anything that improves a senior’s quality of life — which may include rent at an independent living community.

To be eligible, a veteran must have a service-related disability. This can encompass a lot of things, so it’s worth looking into even if you’re not sure whether your condition qualifies.

Because the benefit approval process is long and complicated, we recommend utilizing the supportive services of local veteran service organizations (VSO). Most of the VSOs that serve the Memphis area operate out of the Shelby County Veteran Services office. This office can connect senior veterans to local, regional, and national services offered by VSOs like the Veterans of Foreign Wars (VFW) and American Legion.

Resources for Memphis veterans

County and state veterans service offices

Shelby County Veteran Services
1060 Madison Ave.
Memphis, TN 38104
Phone: 901-222-4237
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.
Appointment only

Tennessee Department of Veterans Services

Memphis Field Office

VA Medical Center
1030 Jefferson Ave.
Memphis, TN 38104

Memphis Medicaid and Medicare for independent living

Neither Medicare nor Medicaid can be used to pay for independent living housing costs, but they can be used to cover qualified medical and in-home care services.

Medicaid for senior care services

Medicaid provides health care coverage for people with lower incomes and disabilities. Medicaid is funded by the federal government and administered by individual states. This allows states the freedom to create their own health care programming. Tennessee’s Medicaid program is called TennCare and provides benefit packages for eligible individuals, with services that may include:

  • Long-term care
  • Home health care
  • Doctor’s visits
  • Mental health services
  • Occupational and physical therapy[03]

In-home care can be accessed through the TennCare CHOICES program. Designed for seniors and adults with disabilities, the program provides long-term care services for qualified applicants to help them remain in their community. Services may include personal care, home-delivered meals, and minor home modifications.[04]

Medicare for senior care services

Medicare is a federal health insurance program for seniors 65+. There are three parts of Medicare, sometimes referred to as Original Medicare, that cover specific services:

  • Medicare Part A (Hospital Insurance) covers inpatient hospital care and short-term care at skilled nursing facilities.
  • Medicare Part B (Medical Insurance) covers doctor’s visits, physical and occupational therapy, and some medical supplies.
  • Medicare Part D (Prescription Drug Coverage) pays for qualified prescription medications.[05]

Some seniors may choose Medicare Part C, also known as Medicare Advantage. This coverage is offered through Medicare-approved private insurance companies and is required to provide the same services as original Medicare.[06]

Locally, there are several resources that can support you in the claims process and, in some cases, provide funding for Medicare deductibles:

Some seniors may also qualify for specific programs aimed to support long-term care for seniors. One example is the Program for All-Inclusive Care for the Elderly (PACE) which provides access to certain in-home care benefits that allow them to continue living in their community as long as possible.[07]

Support and advocacy are also available through the Tennessee Long-Term Care Ombudsman, which aims to safeguard seniors. Be sure to contact any of the listed resources below with questions or for help.

Memphis resident Medicaid and Medicare resources

Medicaid office

TennCare
310 Great Circle Road
Nashville, TN 37243
Phone: 800-342-3145

Medicare offices

Social Security Administration
3602 Austin Peay Highway
Memphis, TN 38128
Phone: 800-772-1213

Tennessee State Health Insurance Assistance Program (TN SHIP)
1104 England Drive
Cookeville, TN 38501
Phone: 877-801-0044

Tennessee Medicare Savings Program
Tennessee Department of Health
710 James Robertson Parkway
Nashville, TN 37243
Phone: 615-741-3111
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.

Tennessee State Health Insurance Assistance Program (TN SHIP)
1104 England Drive
Cookeville, TN 38501
Phone: 877-801-0044

Medicaid and Medicare assistance

Tennessee Commission on Aging and Disability

502 Deaderick St., 9th Floor

Nashville, TN 37243

Phone: 866-836-6678

Aging Commission of the Mid-South
160 N. Main St., 3rd Floor
Memphis, TN 38103
Phone: 901-222-4111

Long-Term Care Ombudsman — Memphis Delta

Zev Samuels 

Phone: 901-529-4565

Email: zsamuels@mifa.org

Carlos Royston

Phone: 901-529-4562

Email: croyston@mifa.org

Understand Tennessee laws and regulations for independent living communities

In Tennessee, independent living communities don’t need to be licensed or require regular inspections, because they’re not considered care facilities. However, a license is required if an independent living community shares facilities with an assisted living senior care community. To learn how regulations apply to assisted living facilities, check out the laws and regulations section of our Memphis assisted living page.

Independent living communities in Memphis typically have a minimum age requirement of 55. All rental complexes are required to follow general housing standards under the Fair Housing Act and the Americans with Disabilities Act. Under these laws, seniors with disabilities have a right to accessibility standards in rental communities like independent living facilities.

Additionally, independent living communities need to comply with state and city housing laws. Tennessee’s Landlord Tenant Act and local housing codes ensure accommodations are safe and habitable by complying with building and housing codes.

Tennessee Department of Health contact information

Tennessee Department of Health
710 James Robertson Parkway
Nashville, TN 37243
Phone: 615-741-3111
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.

COVID-19 regulations for Memphis independent living communities

Independent living facilities don’t have to adhere to specific COVID-19 regulations. However, around half of the independent living communities in Memphis are combined with assisted living facilities, so you may find COVID-19 guidelines in practice in communal areas.

Tennessee doesn’t have any state mandates and instead follows Centers for Disease Control (CDC) guidelines and Centers for Medicare and Medicaid (CMS) visitation guidance.[08]

An illustration of a protective breathing mask

Masking. When transmission rates are high, everyone must wear a mask. In addition, staff must wear a well-fitted face mask per CDC guidelines. And, while not required, visitors and residents are encouraged to wear masks.

An illustration of a broom

Facility cleanliness. High-touch areas should be disinfected and cleaned regularly, while staff must clean designated visiting areas after each visit.

An illustration of a shield

Staff safety. Staff should use personal protective equipment when needed.

An illustration of two people with a double-sided arrow beneath them indicating distance

Social distancing. During peak visiting times or parties, social distancing is encouraged.

What to expect from independent living in Memphis

Independent living is the best of both worlds for active seniors who enjoy the social perks of community living but want to avoid the stress of home ownership. Independent living communities boast a variety of amenities and features that make living in Memphis unique and comfortable.

Amenities

Beautiful outdoor areas and spacious, pet-friendly living spaces punctuate the independent living experience in Memphis. Additionally, these welcoming communities offer a range of other amenities, including:

  • Restaurant-style dining
  • On-site movie theater
  • Fitness room
  • Patio or balcony
  • Café
  • Library
  • On-site laundry

A community hub

Socializing with friends and neighbors is built into the daily routine at Memphis independent living communities. Not only will you live nearby but community events and activities bring residents together to share hobbies and interests. Meet up at happy hour for laughs and conversation in an on-site lounge or pub. Get your hands dirty in a community garden. Learn to paint like the masters in an art class, or join a book club to discuss the trials and tribulations of characters from your favorite novel.

Easy transportation

If you don’t have a car, Memphis can be a tricky place to get around. Most independent living communities have complimentary transportation and are located close to public transportation options. If you do have a car, communities offer on-site parking.

If specific services or amenities are important to you, a Senior Living Advisor can help you find an independent living community that fits your needs.

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Unfamiliar with Memphis? Highlights for seniors

88,789

Number of seniors over the age of 65 currently living in Memphis

0%

Percentage of seniors 65 and older within the Memphis population

$34,417

Average annual retirement income for Memphis seniors 65 and older

Health care for seniors in Memphis

Memphis has several hospitals for a range of health care needs. From geriatric care and specialists to mental health services and palliative care, seniors are sure to find care options suitable for them. Check out Memphis’ top-rated hospitals below.

A graphic of a capital letter H in a circle

Baptist Memorial Hospital — Memphis

In East Memphis sits Baptist Memorial, a teaching hospital and surgical facility which is highly ranked in a dozen adult procedures and conditions. Currently, this hospital is ranked the number one regional hospital in Memphis, according to U.S. News and World Report. It specializes in heart conditions and hip and knee replacement surgeries.

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Methodist Hospitals of Memphis

With five locations across Memphis, this network of hospitals is ranked as the second-best regional hospital in Memphis, according to U.S. News and World Report. It specializes in several forms of cancer care.

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Memphis VA Medical Center

For the veteran community of Memphis, the VA Medical Center provides extensive primary care and hospital services. It also offers treatment for addiction, mental health, women’s health, and palliative care.

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Transportation for seniors in Memphis

Memphis is a sprawling large city with limited walking and biking lanes. For that reason, many people rely on cars to get around. All independent living communities in the area offer parking to residents. But if you don’t have a car and want to live in a walkable neighborhood, neighborhoods like East Midtown, Idlewild-East End Historic, and Barry F. Homes could be a great fit.

For people who don’t want to drive, the city offers fixed-route bus lines and trolleys operated by Memphis Area Transit Authority (MATA). MATA’s bus service has 26 lines across the city and operates fairly frequently. The trolleys offer a unique way to see the city but are only available downtown.

There are also a number of organizations that offer transportation to seniors or people with disabilities who are unable to use the fixed-bus routes MATA offers.

  • Operated by MATA, MATAplus is a door-to-door service that extends three-quarters of a mile beyond the fixed route bus system. Eligibility complies with the Americans with Disability Act (ADA) and is available for individuals unable to use MATA independently or without a boarding assistance device. After your application to ride has been approved, you can call the reservation line to book a trip.
  • The Independent Transportation Network operates throughout Tennessee and it’s available to anyone over the age of 60 who lives within the I-240 loop. This service is a 24/7 door-to-door service where riders can choose to share a ride or ride solo like a taxi service.
  • The Shelby County Senior Volunteer Transportation Network is a program coming soon to Memphis. This program will serve to partner volunteer drivers with seniors in need of accessible and affordable transportation.

While some walkable neighborhoods exist, Memphis’ Walk Score is only 35, which is relatively low. Walk Score rates the walkability of cities on a scale of 0-100 based on public density and availability of public transport, walk lanes, and bike lanes.

Transportation card image
35

Walk Score

Transportation card image
22

Transit Score

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41

Bike Score

Senior activities in Memphis

Whether you enjoy being among the crowds or someone who likes to make their own adventure, Memphis has something for everyone. With its pleasant climate, it’s no wonder Memphians love to spend time out by the Mississippi River.

Memphis River Parks offer beautiful views of the river and regularly host outdoor concerts, walking tours, and other activities specifically for seniors. If you want to spend time on the water, a dinner cruise on an authentic riverboat is a popular way to spend time with friends and family. Just across the river, in West Memphis, you’ll find the Southland Casino Hotel for anyone who loves to take in the excitement of a casino floor.

Most people know Memphis as the home of Elvis Presley, and music is a huge part of downtown nightlife. On any given night, you’ll find soul, rhythm and blues, and rock ‘n roll playing downtown in the bars and restaurants on lively Beale Street. Of course, you can also spend the day at Elvis Presley’s Graceland. The sprawling estate gives fans of the king a peek into his home, planes, vintage cars, and music memorabilia.

Sports fans should be sure to check out a home game of the Grizzlies NBA team. They play in an accessible stadium, the FedExForum in downtown Memphis, and regularly offer senior discounts for games.

There are also plenty of ways to spend time outside. Set on 4,500 acres, Shelby Farms Park is an accessible park that offers many experiences, including hiking, bike rental, and fishing.

For seniors wanting to connect with others to socialize and make new friends, the Memphis area has several senior centers offering senior-specific activities and programs, including:

  • Low-impact exercise classes
  • Field trips to local attractions
  • Guest speakers and seminars
  • Senior Olympics
  • Arts and crafts
  • Senior-friendly sports
  • Academic and recreational classes

Many of these locations can accommodate seniors who require accessibility assistance. If you have questions regarding your needs, call or email the specific business prior to your visit.

Frequently Asked Questions

StoryPoint Collierville, King's Reserve Memphis and Heritage at Irene Woods are the top-rated Independent Living facilities near Memphis, TN. These Independent Living facilities received the highest rankings based on verified family reviews. See full list of communities.

The average cost of Independent Living in Memphis is 3646.1 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.

References

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

  2. United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Memphis. [Data set]. American Community Survey.

  3. TnCare. (2023, March 30). TennCare benefit packages. tn.gov.

  4. TnCare. CHOICES. tn.gov.

  5. U.S. Centers for Medicare & Medicaid Services. (2021, December 12). Medicare program: general information. Medicare.gov.

  6. U.S. Department of Health and Human Services. (2021, August 3). What is Medicare part C? HHS.gov.

  7. TnCare. (2023, July 12). Program of all-inclusive care for the elderly (PACE). tn.gov

  8. Tennessee Department of Health. (2021, March 1). Letter to Long Term Care Providers. Letter to Long Term Care Providers.

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1.

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

2.

United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Memphis. [Data set]. American Community Survey.

3.

TnCare. (2023, March 30). TennCare benefit packages. tn.gov.

4.

TnCare. CHOICES. tn.gov.

5.

U.S. Centers for Medicare & Medicaid Services. (2021, December 12). Medicare program: general information. Medicare.gov.

6.

U.S. Department of Health and Human Services. (2021, August 3). What is Medicare part C? HHS.gov.

7.

TnCare. (2023, July 12). Program of all-inclusive care for the elderly (PACE). tn.gov

8.

Tennessee Department of Health. (2021, March 1). Letter to Long Term Care Providers. Letter to Long Term Care Providers.