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The average cost of assisted living in the county is $5,050 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 18 assisted living facilities in Rensselaer County and 19 in surrounding areas.
The Cost of Senior Care in Rensselaer County, NY
Making a decision to move is difficult. Choosing the right place for your retirement is never an easy task. An assisted living community that is dedicated in providing the needs of our residents in Hoosick Falls is Danforth Adult Care Center
The Terrace at Eddy Memorial provides enriched housing and assisted living in Troy, NY for seniors who value amenity-rich living but need a little extra help with everyday tasks, such as household chores, bathing, dressing, and medication management. Our private…
Call 1-800-991-9257 for details
The Terrace at Eddy Hawthorne Ridge features 12 one-bedroom apartments in two-floor plans and offers the assurance of personalized care in a warm friendly atmosphere designed to meet your changing needs. The Terrace at Eddy Hawthorne Ridge is designed for…
Eddy Hawthorne Ridge is an independent senior living community on 14 beautiful acres in East Greenbush, New York. We’re located on the same campus as the East Greenbush Community Library and the YMCA. At Eddy Hawthorne Ridge, you’ll find safe,…
Evergreen Commons Rehab And Nursing Center is a quiet community on acres of landscaped grounds in East Greenbush, NY. Seniors live in a peaceful environment, with the hospitals and other medical care facilities of downtown Albany only a few minutes…
The Pines at Heartwood is an assisted living program that offers a variety of services and amenities for seniors. Located near Samaritan and St Mary's Hospitals, The Pines at Heartwood provides a comfortable home-like environment with professional nursing staff. Residents…
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Welcome to Rosewood Rehabilitation and Nursing Center! Rooted in the solid tradition of providing quality care in a gracious environment, Rosewood Rehabilitation and Nursing Center is an 80 bed facility that has become one of the finest rehabilitation and long-term…
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The historical city of Troy, New York, is home to the Eddy Heritage House. Seniors can enjoy the tranquility of its spacious courtyards or the beauty of its panoramic views of the Hudson Valley. Residents benefit from nearby churches, shopping…
Columbia Care Home promotes the well-being and happiness of all our residents who join our community seeking assistance with activities of daily living.
Diamond Rock Terrace is a senior apartment complex in Troy, New York. Seniors can enjoy locally grown produce at the Troy Farmer's Market, as well visit a host of other shopping, dining, entertainment and recreation destinations, all within an 8-mile…
Situated in a quiet setting surrounded by nature, Branson Manor Senior Apartments provides a home for lower-income seniors across the Rensselaer region. It is centrally located to Route 4 and numerous restaurants, automotive businesses and retail outlets. The Hudson River…
The Eliot at Troy is an assisted living community located moments away from shopping, dining and opportunities for outdoor recreation, such as William D. Chamberlain Riverfront Park and the walking trails at Prospect Park. Yoga, baking clubs, worship services and…
Situated on the Vermont border, The Pine Valley Home is located in the charming New England village of Hoosick Falls, NY. The area is highlighted by a spectacular landscape full of lush greenery. Seniors can enjoy retirement in a serene…
With a quiet location right near Cooper's Pond in Troy, New York, Nichols Family Type Home For Adults offers seniors a tranquil lifestyle in a beautiful setting. This community combines small-town life with big-city amenities that are only minutes away.…
The Moran Home is located in Wynantskill, a census-designated place in Rensselaer County, New York. The area is filled with delightful culinary destinations for seniors to enjoy, such as an ice cream parlor, sushi restaurant, bakeries, bistros and authentic Italian…
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Welcome to Riverside Center for Rehab! Located across the street from the Hudson River, Riverside’s picturesque grounds offer the ideal setting for one to rest, relax and recuperate, while receiving unparalleled care and services. At Riverside, we are focused exclusively…
Evergreen Commons is clean, however, they provide very little assistance for somebody that's going into rehab to find their next level of living. I have had very little contact with the discharge planners besides the initial care plan. There's poor follow through as far as looking for long term or next placement of a p...Read more Evergreen Commons reviews
Monthly rates for assisted living vary significantly throughout New York and the nation. At, $5,050 per month, the cost in Rensselaer County is over $1,000 higher than the national average of $4,000 and almost $800 above the state median rate of $4,185. Prices throughout this region of New York span a wide range compared to the local cost. There are higher rates charged in Binghamton ($5,270) and Watertown ($5,509), less costly midrange prices in Syracuse ($4,185) and Kingston ($4,100) and the lowest rates in the state in Utica ($2,625) and Glens Falls ($2,600).
Note: The 2018 Genworth Cost of Care study doesn’t include data for Rensselaer County, so data for the nearest city, Albany, was used instead.
The Cost of Assisted Living in Surrounding Areas
Within a single area such as Rensselaer County, seniors can encounter vastly different prices for care depending on the type and amount of care required and whether food and lodging are provided. Adult day health services that offer limited care only on weekdays average just $1,083 per month, while 24-hour skilled care services in nursing homes are over 10 times more expensive at $12,517.
Assisted living ($5,050), homemaker ($4,528) and home health aide ($4,862) services have fairly similar monthly costs. The major difference is that assisted living rates include room and board, whereas seniors receiving care at home pay for care services plus food, utilities, property taxes, maintenance and other household expenses.
Senior Care Cost Comparison Chart
Americans of limited means who can’t afford health insurance are offered a safety net through the Medicaid program. This federal and state government-funded program provides basic health care coverage to roughly 65 million people nationwide. In New York, Medicaid serves over 5.9 million residents, including families with children, pregnant women, seniors and blind or disabled adults.
Rensselaer County residents who are American citizens or legal immigrants and meet other eligibility requirements can receive a number of essential health care benefits through the New York State Medicaid plan such as:
Qualifying for New York State Medicaid
To qualify for Medicaid for long-term care, Rensselaer County residents must be aged 65 or older or blind or disabled if younger, need a nursing-home level of care and either eligible for Supplemental Security Income benefits or meet these financial caps:
If just one spouse of a married couple applies, the non-applicant’s income is excluded. They may also receive up to $3,160.50 of the applicant’s monthly income and retain up to $126,420 in jointly owned assets. These living and resource allowances are mandated by Medicaid to prevent spousal impoverishment.
All sources of income count for Medicaid eligibility purposes, but a number of assets may be excluded, such as an owner-occupied home with a value of $858,000 or less, home furnishings, personal effects and one vehicle.
Applicants who have high medical expenses and an income too large to qualify for Medicaid may be eligible for six months of coverage through the Excess Income program. This requires that applicants put any income above the monthly limit toward approved medical bills or contribute an equal amount to the program.
Seniors residents of Rensselaer County can apply for NYS Medicaid coverage online or call the program’s helpline at (800) 541–2831 for assistance with their application.
Assisted Living Waiver
The New York State Medicaid plan provides nursing home care as an entitlement. Seniors who need long-term care but prefer to stay in the community can apply for the Assisted Living program. This Medicaid waiver program only accepts 4,200 participants statewide at any given time, so there may be a waiting list to receive services.
To qualify for the ALP, seniors must be Medicaid-eligible and at risk of nursing home placement due to homelessness or a lack of a suitable living arrangement. Applicants can’t need constant nursing care, be bedridden or pose any danger to other residents. Rensselaer County seniors approved for the program receive case management services by a professional nurse, room and board and additional support services such as:
Seniors and disabled adults can contact the Rensselaer County Department of Social Services at (518) 270-3928 to learn more about the ALP waiver or apply.
If only one spouse plans to relocate to assisted living, a reverse mortgage may be an option for Rensselaer County senior homeowners who need extra income to cover facility rent and other expenses. Instead of making a monthly payment to a lender, this kind of mortgage gives homeowners a check each month based on their home equity. The full mortgage amount must be repaid when the resident spouse moves out or the home is sold. Applicants must be aged 62 or older and have sufficient equity to qualify.
For more information about reverse mortgages, seniors can contact Elderlife Financial Services at (888) 228-4500.
New York State Supplement Program
Rensselaer County seniors receiving SSI benefits also qualify for a monthly top-up payment from the New York State Supplement program. This extra cash benefit can be used to pay expenses not covered by NYS Medicaid, such as room-and-board fees for assisted living.
The exact benefit level depends on a recipient’s marital status, living arrangement and income. Single seniors residing in an assisted living community may qualify for up to $405 in addition to the maximum $771 SSI benefit. Married couples may receive up to $1,195 from SSP and $1,157 from SSI for a combined monthly benefit payment of $2,352.
To apply for SSI and New York SSP benefits, seniors and disabled adults can contact the Social Security Administration at (800) 772-1213.
The Rensselaer County Veterans Service Agency counsels veterans about available state and VA compensation, benefits and pension programs and provides application assistance. The agency also offers no-cost transportation services to help elderly County veterans access primary care and related services at the Troy VA outpatient clinic. Transportation is also available for appointments at the Stratton VA Medical Center in Albany.
Rensselaer County Veterans Service Agency
1600 Seventh Ave., 4th Fl., Troy, NY 12180
Catholic Charities in Schenectady operates the New York Long-Term Care Ombudsman program that serves Rensselaer County. Ombudsmen volunteers provide information and advocacy for seniors living in nursing homes, adult care homes and assisted living facilities. They offer assistance for a wide range of issues, including rights violations, abuse, neglect, missing belongings, dietary concerns, public benefits and termination of service.
Long Term Care Ombudsman Program
1462 Erie Blvd., 2nd Fl., Schenectady, NY 12305
The Rensselaer County Department of Aging operates five senior centers where residents aged 60 and older get together to enjoy healthy congregate meals and take part in social, recreational, fitness and arts and crafts programs. The centers also host activities and events organized by the County’s 26 independent senior clubs. DOA staff provide health benefits counseling and referrals for in-home assistance, wellness programs and transportation services.
Rensselaer County Department of Aging
1600 Seventh Ave., Troy, NY 12180
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