Independent living provides the opportunity for seniors to remain connected while living in a community with their 55-and-over peers. At A Place for Mom, we partner with 12 independent living facilities in the Rochester area that provide older adults with a wide variety of potential residential setups. Eight of them are standalone independent living facilities, while four of them are a combination of assisted living, independent living, and memory care.
A Place for Mom will guide your search for independent living in Rochester, New York, so you can find your home worry-free and stop and smell the roses in the Flower City. We will guide your search in one of the most affordable cities for living. In fact, it ranks No. 3 in the top 10 most affordable cities in the U.S.
The facilities listed here are all within 10 miles of downtown Rochester, providing easy connections to social activities and sightseeing. In this guide, we’ll cover information on independent living facilities, financing options, residential laws and regulations, care types, and more to help simplify your housing search.
The staff was very good to my mom. They have been taking very good care of her. Everyone is so nice and caring. The community and moms room is clean. We really are quite impressed with what the...
Very nice place for seniors looking to remain independent but have company with other seniors. Building is brand new and well kept.
They didn't have an opening but it was really nice! It was more money but they don't charge you a level of care fee so it would have been about the same as the community we chose and my parents could have...
Due to covid we have not been able to see much of the community but from what we have seen it looks to be pretty clean. Once again due to covid the activities are on and off. Given the current circumstances...
We developed a proprietary recommendation system that orders Rochester community options based on factors we know are important to seniors and their families:
We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information
We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities
The average actual cost for Rochester independent living is $3,359 within our network of partners, according to A Place for Mom’s proprietary data.[03] The cost figure for independent living reflects what residents actually paid at our network facilities and reflects a variety of floor plans, amenities and other variables.
Rochester’s cost of living is substantially lower than that of the average New York area and compares favorably with the nation as a whole.[04] New York also has favorable tax laws for seniors, so their income may stretch further in Rochester than in other areas.[05] This retiree-friendly tax break allows all Social Security retirement benefits to be exempt from taxation; seniors can also take advantage of the fact that income from retirement accounts or a private pension can be deductible up to $20,000.
The following chart represents baseline and starting rent costs for comparison among Rochester and the surrounding areas.
There are several options for paying for independent living in Rochester that can fit your life circumstances and budget, although you will likely need to pay for the majority of your independent living costs through a private pay method. Please note that while public pay methods and benefits do not cover independent living costs, Medicare and Medicaid might cover the costs of in-home care services that you might need to use.
Independent living is typically paid from accumulated assets and resources the retiree has, such as individual savings accounts, Social Security benefits, pensions, investment returns, and retirement accounts such as a 401(k) or IRA.
Veterans who receive the VA Pension can use that as a resource to cover the costs of their Rochester independent living. Some benefits can help in addition to the VA pension or be stacked on top of it. For example, a veteran with a qualifying disability who is enrolled in VA health care and receives the VA Pension may also receive the VA Aid and Attendance benefit. This can be a powerful tool because the additional stipend can be used for anything that boosts the veteran’s quality of life.
Veterans must meet at least one of the following criteria to receive the Aid and Attendance benefit:
The VA has a lengthy approval process, so it might be wise to seek qualified help to ensure the application is processed promptly and the first time submitted. A good resource for this in Rochester is the Monroe County Veterans Service Officers, who are specifically accredited by the VA to represent veterans. VSOs can also be found at veterans organizations, such as the Veterans of Foreign Wars (VFW) or the Rochester chapter of the Vietnam Veterans of America.
Rochester also has a regional benefit office for veterans in the area that can help guide seniors through the process and provide resources.
Number of veterans who live in Rochester, according to the US Census Bureau
Percentage of Rochester veterans who are 65 years or older, according to the US Census Bureau
Resources for Rochester, New York, veterans
Veterans Administration (United States Department of Veterans Affairs)
Buffalo Regional Office
130 S Elmwood Ave.
Buffalo, NY 14202
Hours: Monday through Friday, 8:30 a.m. – 4 p.m.
Monroe County Veterans Service Agency
125 Westfall Road
Rochester, NY 14620
Phone: 585-753-6040
Hours: Monday through Friday, 8 a.m. – 4 p.m.
New York State Division of Veterans’ Services
2 Empire State Plaza
17th Floor
Albany, NY 12223
Phone: 1-888-838-7697
Veterans of Foreign Wars
200 West Ave.
Rochester, NY 14611
Phone: 585-436-6130
Vietnam Veterans of America
P.O. Box 12580
Rochester, NY 14612
The goal of New York State Medicaid is to provide low-income individuals with healthcare services like hospital visits, rehabilitation care, and standard medical appointments. New York State Medicaid, however, does not cover the costs of independent living communities. If the senior requires home-based services because of a medical disability, they can apply for Home and Community-Based Waiver Services, which can help defray some of the costs.
In New York, there are multiple options for applying for Medicaid. Individuals can apply through the NY State of Health. They can also apply through Managed Care Organizations (MCOs), by calling the Medicaid helpline, or through the local Department of Social Services office. Seniors should explore these benefits and research the ways New York State Medicaid might be able to improve their health and living situations. An ombudsman is also a good resource to help guide you through the process.
Rochester, New York, resident Medicaid resources
Phone: 855-355-5777
TTY: 800-662-1220
Hours: Monday through Friday, 8 a.m. – 8 p.m., Saturday, 9 a.m. – 1 p.m.
Monroe County Department of Human Services Financial Assistance Division
111 Westfall Road
Rochester, NY 14620
Monroe County Department of Social Services
691 St. Paul St.
Rochester, NY 14605
Hours: Monday through Friday, 8 a.m. – 4 p.m.
Dianna Leach, Ombudsman Coordinator, Region 13
LIFESPAN, Long-Term Care Ombudsman Program
1900 S Clinton Ave.
Suite 13
Rochester, NY 14618
Phone: 585-287-6414
Email: dleach@lifespan-roch.org
Medicare does not cover independent living room and board costs; however, it may cover medically necessary at-home care for short-term medical situations. Medicare is a federal health insurance program for individuals 65 years of age or older and certain younger people with disabilities. It covers items such as general practitioner visits, medical equipment, and hospital stays.
Individuals can apply online or at the local Social Security Administration office. Those living in Rochester can seek out local resources such as New York’s Health Insurance Information, Counseling, and Assistance Programs that provide accurate and objective counseling about Medicare and related programs. The office of the Ombudsman is another resource to connect seniors with advocates and help them with the process of determining eligibility and applying for Medicare benefits. Individuals should also consider investigating the Medicare Savings Program to see whether they qualify for financial assistance. This might help open up some income to pay for independent living costs. Another cost-savings program in New York is the Elderly Pharmaceutical Insurance Coverage (EPIC) Program, which helps pay for Medicare Part D (drug costs) for seniors.
Rochester, New York, resident Medicare resources
Social Security Administration
200 E Main St.
2nd Floor
Rochester, NY 14604
Phone: 800-772-1213
52 Washington St.
230N
Rensselaer, NY 12144
Phone: 1-888-219-9818
While New York does not have specific laws and regulations for independent living they do have laws regarding assisted living facilities, and four of the independent living communities that we partner with are a combination of assisted living, independent living, and memory care. In New York, assisted living facilities must be licensed, supervised, and inspected by the New York State Department of Health. Treating residents with respect, patience, and dignity is integral to ensuring continued licensing by the Department of Health. To look up inspection reports follow this link and you will be able to find the reports specific to your needs by typing in your provider.
The state’s Department of Health supervises and licenses adult care facilities that offer temporary or long-term non medical residential care to seniors who cannot live independently.
The facilities cannot accept residents who need continuous medical or nursing care, have mental disabilities that would require placement in acute care or residential treatment facilities, is bedfast or chairfast and needs assistance from another person to transfer, depends on certain medical equipment, and more.[07]
New York State Department of Health
Corning Tower
Empire State Plaza
Albany, NY 12237
Phone: 518-402-0836
Hours: Monday through Friday, 9 a.m. – 5 p.m.
Independent living communities in New York do not have specific COVID-19 regulations. However, the below guidelines are general recommendations from the New York State Department of Health.[08]
Vaccinations. Vaccinations are recommended for all who are able to get them and consent to them.
Masking. Personnel and visitors should follow the New York State Department of Health’s guidance on masking. Masks and face coverings should be worn in health care facilities and when around a large group of people. Residents should follow protocols from the CDC.
Facility cleanliness. All high-traffic areas and high-touch surfaces should be regularly disinfected. Facilities should ensure staff are familiar with CDC protocols to prevent infection.
Staff safety. Staff should ensure they wear personal protection equipment and follow hand-washing protocols and transmission-based precautions issued by the CDC.
Quarantining. Quarantining should be instituted as necessary in accordance with federal and state guidelines.
CDC guidelines. All residents and staff should follow all appropriate CDC and New York State Department of Health guidelines.
With 12 independent living facilities in our Rochester, NY network of partners, there is something for everyone. Whether you’re looking for a fun-filled, social community, or a community that includes housing options for future care needs, independent living communities in Rochester have a lot to offer.
If you are looking for an independent living community that is a standalone community, Rochester has plenty of options to consider. Eight of the communities that A Place for Mom partners with are standalone facilities; some even have villa options. These luxury independent living communities have multiple activities planned each day, ranging from wine tastings, book clubs, bible studies, and even karaoke nights. Practically any need can be met at our partner communities – meaning you won’t have to venture far for a haircut or to fit in a workout. If you’re looking to spend a night out in Rochester, many of our partner communities are conveniently located near public transportation.
If you’re interested in a community that you can call your forever home, A Place for Mom also partners with four communities that have assisted living, independent living, and memory care all on one campus. These boutique-style communities include convenient amenities such as arts and crafts centers, fitness centers, and gardens. The majority of our partners have pet-friendly policies in place, meaning your best furry friend can join in on your retirement relaxation.
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Number of seniors over the age of 65 currently living in Rochester
Percentage of seniors 65 and older within the Rochester population
Median annual income for Rochester seniors 65 and older
Rochester is an ideal place for seniors who need or expect health care services. The University of Rochester and other community clinics provide robust support to help with senior health needs. Below are among the top providers for seniors in Rochester.
Rochester General Hospital – Rochester Regional Health is rated high-performing in four adult specialties, including various cancer specialties. It is a general medical and surgical facility and a great resource for those looking at independent living.
Strong Memorial Hospital of the University of Rochester is rated high-performing in 12 adult procedures and conditions, including cardiology-related areas. It is a general medical and surgical facility, as well as a teaching facility. This hospital has a talented team of doctors in areas that are critical for the well-being of the senior community.
This primary care practice is a part of Highland Hospital and is dedicated to managing the complex needs of older adults. Their services include basic check-ups and medication management, referrals to specialists at Highland Hospital and the University of Rochester Medical Center, and health-adjacent needs like advanced directives and long-term care planning.
While driving a car is the most common form of transportation in Rochester, you can live in Rochester without a car. Approximately 25% of households in the city do not have a car.
For the active person, there is some potential of being able to walk. Rochester has a walkability score of 61, which means some daily errands can be accomplished on foot.[11] Additionally, Rochester has a bike score of 60, which means Rochester is somewhat bicycle-accessible. Some seniors can likely bike to some areas but should look into the available infrastructure first.
Rochester also offers public transportation. It has 29 bus lines, and paratransit services offered through Greyhound, Trailways, Amtrak, and Regional Transit Service. Rochester also offers riders who are 65 years or older and/or disabled transportation through Medical Motor Service and Rochester Medical Transportation.
Rochester lives up to its name, the Flower City, with events like the annual Lilac Festival and the Maplewood Rose Celebration. Beyond the annual celebrations, Rochester has many standing gardens that decorate the city and are excellent places to visit and stroll around on beautiful days.
No less spectacular than its gardens, Rochester’s excellent arts scene has collections like the Memorial Art Gallery, which boasts more than 12,000 pieces. Rochester also has modern arts at the Rochester Contemporary Art Center.
For the sporting types, Rochester has 62 golf courses within a 45-mile radius from the city center. In fact, Rochester is ranked No. 10 for the best golf in the U.S. and No. 1 for golf affordability. For the budget-conscious senior, there are many opportunities to play at excellent courses that won’t break the bank.
Rochester has much more to offer, and seniors considering their independent living situation would be well served to investigate the affordable but high-value entertainment the Rochester area delivers.
Westwood Commons, a DePaul Senior Living Comm, Baywinde Senior Living and The Village at Mill Landing are the top-rated Independent Living facilities near Rochester, NY. 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 Rochester is $3,528 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
Driffill, M. (2022, April 22). Study: Rochester is No. 3 in the world for cities with the most affordable housing. RochesterFirst.com.
Distantias. Towns near Rochester (New York) United States [Data Set]. Towns near to Rochester United States New York between 0 and 50 miles.
A Place for Mom. (2022). A Place for Mom proprietary data.
Genworth. (2021). Cost of long term care by state [Data Set]. Cost of care report.
SmartAsset. New York retirement tax friendliness [Data Set]. Quick Guide to New York Retirement Income Taxes.
United States Census Bureau. (2021). Veteran Status (S2101) [Data Set]. American Community Survey.
New York Department of Health. (2015). Compendium of Residential Care and Assisted Living Regulations and Policy: 2015 Edition.
New York State Department of Health. (2023). NYSDOH Guidance for use of Face Masks and Face Coverings in Healthcare Facilities.
United States Census Bureau. (2021). Age and Sex (S0101) [Data Set]. American Community Survey.
United States Census Bureau. (2021). Median Income in the Past 12 Months (in 2021 Inflation-Adjusted Dollars) (S1903) [Data Set]. American Community Survey.
Walk Score. (n.d.). Living in Rochester.
Visit Rochester. (n.d.). Golf: Things to do.
Ask an A Place for Mom local advisor at no cost.
Driffill, M. (2022, April 22). Study: Rochester is No. 3 in the world for cities with the most affordable housing. RochesterFirst.com.
Distantias. Towns near Rochester (New York) United States [Data Set]. Towns near to Rochester United States New York between 0 and 50 miles.
A Place for Mom. (2022). A Place for Mom proprietary data.
Genworth. (2021). Cost of long term care by state [Data Set]. Cost of care report.
SmartAsset. New York retirement tax friendliness [Data Set]. Quick Guide to New York Retirement Income Taxes.
United States Census Bureau. (2021). Veteran Status (S2101) [Data Set]. American Community Survey.
New York Department of Health. (2015). Compendium of Residential Care and Assisted Living Regulations and Policy: 2015 Edition.
New York State Department of Health. (2023). NYSDOH Guidance for use of Face Masks and Face Coverings in Healthcare Facilities.
United States Census Bureau. (2021). Age and Sex (S0101) [Data Set]. American Community Survey.
United States Census Bureau. (2021). Median Income in the Past 12 Months (in 2021 Inflation-Adjusted Dollars) (S1903) [Data Set]. American Community Survey.
Walk Score. (n.d.). Living in Rochester.
Visit Rochester. (n.d.). Golf: Things to do.