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 2025 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 2025 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 2025 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 Cato, TN

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The cost of independent living in Cato is about $3,848 per month. To find the best independent living for your preferences and budget, browse these 142 options. Read 2618 reviews, see photos, and learn about amenities that make independent living the ideal next step for adults 55+ who wish to enjoy friendships and hobbies without the hassle of cooking and home maintenance.

As you explore independent living near you, you may also want to consider options in areas like You may also consider nearby communities such as Lebanon, Gallatin and Carthage.

Cato Independent Living Facilities | 2618 Reviews

Showing 129 communities
Last Updated: 1/8/26
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Photo of The White House Assisted Living
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.
Photo of Quality Center for Rehab and Healing
Provides: Assisted Living, Memory 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.
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 Lebanon Square
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.
Photo of Hearthside Senior Living of Lebanon
5 star
0%
4 star
50%
3 star
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50%
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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.
Hearthside at Castle Heights is a locally owned and operated, non-profit Christian Retirement Community. The facility is overseen by a volunteer Board of Directors, all of whom live in Wilson County. The facility opened in November, 1994, and added 16 units and an activity room in 2000. Our...
Provides: Independent Living, Senior Apartments
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.
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
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 The Waters of Gallatin
Provides: Assisted Living, Memory Care, Independent Living, 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.
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.
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.
Nursing homes are many things to many people. Whatever your needs, our goal is to provide compassionate nursing care in a clean, comfortable setting where you will feel at home. Individualized attention begins as soon as you are admitted, and our skilled nurses meet with you regularly to discuss...
Photo of Christian Towers of Gallatin, Inc.
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.
Photo of Crestwood Towers
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.
Photo of Cornerstone Manor, LLC
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.
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Photo of Scottsville Manor
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.
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.
Photo of Long Hollow Terrace
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 The Webb House Retirement Center, Inc
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.
Photo of Quinland Ridge Apartments
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.
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.
Photo of Cumberland View Towers
1.0
Review score
5 reviews
1.0
Review score
5 reviews
5 star
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3 star
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2 star
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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.
Affordable 1 bedroom apartments to rent to families where the head of household is 62 years or older. Rent is based on 30% of the household's adjusted income. Extremely Low income category preference.
Photo of Franklin Personal Care Home
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.
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.
5 star
50%
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3 star
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I was at a loss as to where to place my 61yr old husband. The dr suggested Lakeshore Heartland and I knew it was the right placement for him when I walked through the door. I had such a strong feeling of...
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.
Heartland Senior Community is an assisted living residence located in the vibrant and exciting Nashville, Tennessee. You will be able to enjoy the calm and serenity of retirement living while being only a short van or car ride away from all that Nashville has to offer. The well-kept grounds and...
Photo of Holiday House of Woodbury
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.
2.0
Review score
15 reviews
2.0
Review score
15 reviews
5 star
13%
4 star
20%
3 star
27%
2 star
7%
1 star
33%
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I would recommend Chippington Towers I for individuals that can care for themselves. They are not equipped as an Assisted Living Facility. My brother enjoys living there. He says that the staff is excellent....
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.
Chippington Towers is a senior housing located in the quiet, laid-back city of Madison, Davidson County, TN. Thanks to its prime location not far from Nashville, residents have a great many options in terms of things to do and place to go. There are plenty of nearby eateries, shopping...
5 star
71%
4 star
23%
3 star
6%
2 star
0%
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I have recommended Stones River Manor highly. My stepfather was there. I was very happy with them. I looked at a lot of places and Stones River Manor was the best fit. They were very cost-effective. They had...
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.
A truly unique faith-based community for senior living, Stones River Manor, in Murfreesboro, offers full-service senior care in a Christian atmosphere for those with financial concerns. Our not-for-profit facility is one of a kind in the county and funded by area Churches for Christ. Newly...
5 star
100%
4 star
0%
3 star
0%
2 star
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Provides: Assisted Living, Memory Care, Independent Living, 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.
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.
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.
AdamsPlace Retirement Community is a continuing care retirement community located in Murfreesboro, Tennessee, just 30 minutes from the Nashville airport.  Our beautifully-landscaped 22 acre campus features garden style apartment with patios and balconies for Independent Living, private...
Photo of The Rutherford Assisted Living and Memory Care
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.

Cost of independent living in Cato, TN

The average cost of senior living in Cato is $3,848 per month. Cheaper nearby regions include Cookeville, TN with an average of $2,329 per month.

Independent living costs in Cato, TN, vs. nearby cities

Cato, TN
$3,848/mo
$3,618/mo

Independent living costs in Cato, TN, vs. state and national averages

Cato, TN
$3,848/mo
U.S. national average
$4,173/mo

Independent living costs in Cato, TN, vs. other senior living options

$4,540/mo
Independent Living
$3,848/mo

Independent living costs in Cato, TN, by floor plan type

Semi-Private
$4,599/mo
Studio
$5,105/mo
1 Bedroom
$5,373/mo
2 Bedroom
$5,855/mo
Detached Cottage/Bungalow
$3,175/mo

Senior living costs in Cato vs. state and national costs

Cost comparison table showing community type costs by location. This table contains 3 rows of data across 4 columns.
Column communityType: Community type
Column destination: Cato, TN
Column state: Tennessee
Column national: U.S.
Community typeCato, TNTennesseeU.S.
Independent Living$3,848/mo$3,802/mo$4,173/mo
Assisted Living$4,412/mo$4,293/mo$4,716/mo
Memory Care$4,540/mo$4,386/mo$4,970/mo
Independent Living
Cato, TN:$3,848/mo
Tennessee:$3,802/mo
U.S.:$4,173/mo
Assisted Living
Cato, TN:$4,412/mo
Tennessee:$4,293/mo
U.S.:$4,716/mo
Memory Care
Cato, TN:$4,540/mo
Tennessee:$4,386/mo
U.S.:$4,970/mo
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Table showing 5 of 3 items. Click to show less.

Independent living costs in Cato, TN, over time

The line graph below shows how monthly independent living costs have shifted over the past five years in Cato and how those changes compare with state and national trends. The figures represent quarterly averages of what seniors actually paid after moving into A Place for Mom partner communities.

Cato, TNTN stateNational

Independent living cost trends in Cato, TN

The table below shows how monthly independent living costs in Cato have changed in the last two years and how those changes compare with state and national trends. The figures represent averages of actual costs paid by seniors who moved into A Place for Mom partner communities in 2023 and 2024.

Cost comparison table showing 2023 and 2024 median costs by location. This table contains 3 rows of data across 4 columns.
Column location: Location
Column cost2024: 2024 average cost
Column cost2023: 2023 average cost
Column percentChange: Percent change
Location2024 average cost2023 average costPercent change
Cato, TN$2,753/mo$2,599/mo+5.9%
Tennessee$2,913/mo$2,955/mo-1.4%
National$3,257/mo$3,166/mo+2.9%
Cato, TN
2024 average cost:$2,753/mo
2023 average cost:$2,599/mo
Percent change:+5.9%
Tennessee
2024 average cost:$2,913/mo
2023 average cost:$2,955/mo
Percent change:-1.4%
National
2024 average cost:$3,257/mo
2023 average cost:$3,166/mo
Percent change:+2.9%
Table showing 5 of 3 items. Click to show less.
Table showing 5 of 3 items. Click to show less.

Discover the many ways to pay for senior living

Planning ahead can better position you to make good choices for your loved one’s care in the future. But if your aging family member needs care now, there are ways to finance the cost of long-term care through a combination of approaches.

What families are saying about independent living in Cato

Recent reviews for independent living in Cato

Maple Cottage Assisted Living Transitions in Portland, TN

4.4
Overall we have been very pleased with our experience. We like that it's a smaller facility (20 residents), easier to talk with staff. However, there has been quite a bit of turnover in the year we have been with them. We have had three "in-charge " people in a year and the position is currently ...
Read more

Grace Manor Assisted Living Community in Nashville, TN

4.0
I have to say my favorite thing about this community is how well maintained and kept clean it is. Every time I go to visit it is completely spotless with a fresh smell throughout the building. My mom has had no complaints about the food and has really enjoyed participating in the many activities ...
Read more

Dandridge Tower in Nashville, TN

4.0
In general things seem to be going well for my loved on at Dandridge Tower. It's a nice enough looking place, but what really sets it apart is the people. Everyone is so friendly, and so welcoming! It's really a tight knit community. My loved one can be a bit of a shut-in, but she's always got ...
Read more

Reviews mention these favorite features of communities

Mixed staff experiences. Reviews reveal a mix of positive and negative experiences with community staff at various facilities. For instance, at Traditions of Mill Creek, residents appreciate the friendliness and helpfulness of the team, but at Windlands South, some residents have reported issues with non-accommodati ...
Read more
Varied dining experiences. Dining experiences vary among communities. Some, like Rutland Place Senior Living, are praised for excellent food and varied menu options. Others, such as Windlands South, have received criticism for subpar meals and inconsistent service. At Harmony at Victory Station, residents suggest th ...
Read more
Lockdowns and communication. Communication and lockdown policies have been a concern for some residents, such as those at Windlands South, who expressed frustration with extended lockdowns and lack of information about the situation. At Charter Senior Living of Bowling Green, residents were disappointed with the lack of ...
Read more
Activities and socializing. Activities and opportunities for socializing are mentioned as important features in several reviews. For instance, at Rutland Place Senior Living, residents enjoy a variety of activities including devotions and games. However, at The McKendree Senior Living, residents wish for more activitie ...
Read more
Pet-friendly communities. Some communities, like The McKendree Senior Living, offer pet-friendly environments, which is a significant factor for many residents, as seen in reviews for The McKendree Senior Living and Rutland Place Senior Living.
Caring and supportive staff. Many reviews highlight the importance of caring and supportive staff in creating a positive living experience. For example, at Red Cedar Glen, staff members go above and beyond to help residents, providing daily meals when they are unable to make it to the dining room.
AI generated from the text of family reviews

Cato independent living services and amenities

These charts highlight some of the many care, dining, and entertainment offerings available in Cato independent living communities. They don’t represent all possible services and amenities available at assisted living communities in Cato, but support comparisons against nationwide offerings. Our Senior Living Advisors can help you find communities that fit your preferences.

Availability of select dietary accommodations in Cato independent living

Independent living communities help seniors maintain a balanced diet by accommodating their health needs, allergies, and other restrictions. Below you’ll find the percentage of Cato partners making specific dietary accommodations for seniors compared to the percentage of assisted living partners making those accommodations nationally.
Cato, TNNational
Nutritionist / dietician
Nutritionist / dietician
34.9%
20.5%
Low / no sodium
Low / no sodium
39.5%
34.5%
No sugar
No sugar
31.8%
31%
Vegetarian
Vegetarian
33.3%
33.7%
Pureed meals
Pureed meals
18.6%
10.5%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select dining options in Cato independent living

Our independent living communities know that seniors want top-quality meals and options for how they dine. The chart below indicates the percentage of Cato communities that offer dining options to their discerning residents compared to our partners nationally.
Cato, TNNational
Professional chef
Professional chef
30.2%
36.6%
Restaurant style dining
Restaurant style dining
42.6%
43.5%
Room service
Room service
31.8%
37%
Anytime dining
Anytime dining
10.1%
17.2%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select programs and activities in Cato independent living

Senior living communities offer a variety of programming to keep seniors socially, mentally, and physically vibrant. The chart below shows what percentage of partnered independent living communities in Cato offer the selected activities, amenities, and programs compared to the percentage of partners nationwide.
Cato, TNNational
Activity director
Activity director
46.5%
45.2%
Pet-focused programs
Pet-focused programs
26.4%
28.3%
Community service programs
Community service programs
33.3%
33.1%
Devotional activities on-site
Devotional activities on-site
52.7%
47.6%
Parties / BBQs / happy hour
Parties / BBQs / happy hour
51.9%
49%
Outings / off-site activities
Outings / off-site activities
53.5%
54%
Piano or organ
Piano or organ
41.9%
43%
Arts and crafts center
Arts and crafts center
34.1%
38.3%
Educational speakers / life long learning
Educational speakers / life long learning
37.2%
41.9%
Clubs / games / karaoke
Clubs / games / karaoke
48.1%
47.2%
Live performances
Live performances
45.7%
46.9%
Dances
Dances
31.8%
33.1%
Fitness center
Fitness center
29.5%
39.6%
Fitness classes
Fitness classes
48.1%
46.5%
0.0%20.0%40.0%60.0%80.0%100%
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