Sterling Estates Cost Calculator

The True Cost of Staying at Home vs. Moving to a Senior Living Community

When considering the next chapter of retirement, many older adults instinctively believe that staying in their own home is the most cost-effective choice. After all, the mortgage may be paid off, and it seems familiar and comfortable. But when you dig a little deeper, the picture becomes more complex. From ongoing home maintenance to rising utility costs and the hidden price of social isolation, the financial and emotional toll of aging in place can quickly add up.
In contrast, a senior living community offers a vibrant, maintenance-free lifestyle filled with amenities, social connection, and peace of mind all under one predictable monthly cost. We have created this dynamic cost comparison table so you can break down the true costs of staying at home versus moving to a senior living community and help you better understand the value and investment each option entails. Fill in what you are spending now by staying at home and compare to all we offer that is all inclusive in the monthly rent.

An Investment in Lifestyle and Wellbeing

When comparing the two options, the numbers tell only part of the story. A senior living community is not just a financial decision—it’s a lifestyle choice. It’s about comfort, freedom, peace of mind, and enjoying your retirement years without the burdens of home upkeep. Living in a senior living community combats social isolation, engages minds and bodies, and leads to a more fulfilling life! We certainly discovered that during the Covid years. There are many post Covid studies done that found seniors staying in their homes alone suffered mentally and physically much more than those that lived in senior living communities like Sterling Estates.

More importantly, senior living communities are designed to help residents age in place with dignity, purpose, and support. It’s an investment in better, healthier living. And actually, the value of that is Priceless