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The average cost of assisted living in the county is $4,500 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 6 assisted living facilities in Rutherford County and 26 in surrounding areas.
The Cost of Senior Care in Rutherford County, TN
Creekside At Three Rivers is a locally owned and managed assisted living community that provides Murfreesboro-area seniors a place to call home when they are in need of supportive services.
Broadmore Senior Living at Murfreesboro provides your loved one with the support and care in a caring environment so they can maintain a comfortable, dignified lifestyle.
Harmony at Victory Station is designed to put you in control of your future, knowing that the finest care is available to you – all on one private campus. The continuum of care at Victory Station includes Independent Living, Assisted…
Traditions of Smyrna offers Assisted Living and Memory Care services. Assisted Living: Assisted living is not just providing support, it’s about empowering seniors to remain as engaged as possible in a dignified setting. Residents benefit from a broad variety of…
Park View Meadows is a proud Americare community. We have provided Person-Centered Care to seniors in America’s heartland for over 20 years. Our approach to preserve the lifestyle seniors are familiar with and allow them to enjoy life on their own terms.
We found this assisted living community to have a smaller, more quaint setting than some of the other facilities we have visited. We were impressed by the close personal care provided. We found the many fun activities provided for the residents to be a fantastic addition to the amazing care already being given. The s...Read more Park View Meadows reviews
We recently visited Sunnington Assited living and found the building to be modern and spacious with beautiful common areas. We were very impressed with their ability to provide care for residents with wildly varying degrees of need. The staff is very friendly and it was evident their commitment to the residents; carin...Read more The Rutherford Assisted Living reviews
Sunnington is a small community with only about 50 residents. The grounds are impressive, nice, and clean, and they have plenty of room around them. The rooms are small, but looks like brand new. They have activities every day and all sorts of things to keep the seniors busy, and there are buses to take the residents o...Read more The Rutherford Assisted Living reviews
Creekside at Three Rivers was well kept and very well-maintained. The staff was extremely pleasant and helpful. The person who accommodated us was absolutely wonderful. I was very excited for my dad to move in there, but he decided he was not ready to go into assisted living. If he had made that decision, we definitely...Read more Creekside at Three Rivers reviews
We chose Creekside at Three Rivers for my mom because it was close to my house. So far it's going really good. When I went and visited it, I really liked it. Amy, the sales director, was amazing. She went above and beyond and really helped, because I had no idea what I was doing. Brent with the management team is reall...Read more Creekside at Three Rivers reviews
The cost of assisted living in Rutherford County is $4,500 per month. This is $500 higher than the national average and $580 above the median rate paid in Tennessee. Seniors in other areas of the state pay considerably less, including Knoxville ($4,033), Cleveland ($4,021), Clarksville ($3,495) and Jackson ($3,469).
The average rate charged for assisted living is $1,250 lower in Morristown ($3,250). The biggest price difference is with Chattanooga, which has the least expensive average statewide at $3,012 and is almost $1,500 lower than in Rutherford County.
Note: Rutherford County senior care cost data wasn’t available, so data for the closest city, Nashville, was used.
The Cost of Assisted Living in Surrounding Areas
Various factors affect the cost of senior care in Rutherford County, including the extent and type of care needed and whether residential services are provided. Nursing homes ($6,692) and assisted living facilities ($4,500), which offer housing, meals, housekeeping and personal care, cost the most. Nursing homes charge about $2,200 more per month because they provide round-the-clock skilled nursing care, medication management and other specialized services.
Homemaker ($3,621) and home health aide ($3,804) services average $700 to $900 less than assisted living, but these rates are strictly for hours of care service provided. Whereas assisted living includes room and board, seniors who stay at home must pay for food and household operating expenses in addition to their direct care costs.
Senior Care Cost Comparison Chart
The Medicaid program that’s jointly funded by the federal and state governments provides essential health care coverage for low-income Americans of all ages. Each state administers its own program according to federal regulations.
The Tennessee program called TennCare provides coverage for one-fifth of the state population, including over 375,000 blind, disabled and elderly individuals. Those who qualify receive a wide range of benefits, including:
Qualifying for TennCare for Long-Term Care
To qualify for long-term care through TennCare, Rutherford County residents must be American citizens or legal immigrants and aged 65 or older. Adults aged 21 or older who are disabled or blind can also qualify. Those who meet the eligibility requirements for federal Supplemental Security Income benefits automatically receive TennCare coverage.
Applicants must also meet the program’s financial criteria:
Income from all sources counts toward the limits, but some assets are excluded, such as one vehicle, personal effects, a primary home, household furnishings and burial trusts.
When only one spouse of a married couple applies, the non-applicant’s income is disregarded. They may also be entitled to up to $3,160.50 of the applicant’s monthly income and up to $126,420 of the couple’s jointly owned assets, based on federal laws to prevent spousal impoverishment.
Qualified Income Trust
Seniors who meet the TennCare eligibility guidelines but exceed the income limit may qualify by setting up a Qualified Income Trust. The state allows applicants to deposit their excess income into such an account so it can be disregarded for Medicaid eligibility purposes. Deposited funds may only be withdrawn to pay TennCare approved medical and long-term care expenses.
Rutherford County residents can complete an online application or call (855) 259-0701 to learn more about TennCare or apply by phone.
CHOICES in Long-Term Services and Supports Waiver
The CHOICES waiver program offers TennCare-eligible seniors and disabled adults an alternative to nursing home admission. Those who qualify may receive all-inclusive medical and long-term care coverage in a community setting, such as their own home, an adult care home or assisted living facility.
To qualify, Rutherford County residents must enroll in TennCare and be assessed as needing a nursing home level of care. They also must be deemed physically and cognitively capable of living in the community with waiver-covered support services, which may include:
Interested seniors who aren’t already enrolled in TennCare can apply online or by phone at (855) 259-0701. To begin the application process for the CHOICES waiver, seniors can call the Council on Aging of Middle Tennessee at (615) 353-4235.
Veterans Aid and Attendance Benefits
Rutherford County veterans and surviving spouses who presently receive a VA pension and have additional care expenses may be eligible for a top-up amount each month through the Aid and Attendance program. This program isn’t available to those receiving VA disability benefits, and applicants must have a minimum 90-day active duty service record, with at least one day during wartime, and received an honorable discharge.
To qualify for A&A benefits, applicants must earn $22,577 or less per year and have at least one of these conditions:
To obtain help completing and filing an application for A&A benefits, area veterans can contact the Rutherford County Veterans Services office at (615) 849-5711.
Long-Term Care Insurance
Long-term care insurance may be an option worth considering for younger Rutherford County seniors who want to plan ahead for their future care needs. This type of policy generally pays out a daily or monthly amount for long-term care costs for a certain period of time. Some cover a senior’s care expenses for life with no cap on the total amount paid. Most offer add-on benefits, such as coverage for in-home or assisted living care and protection against inflation. The cost of LTC insurance varies between insurers and depends on an applicant’s age and health status as well as the payout rate and specific benefits chosen.
For more information about LTC insurance or help filing a claim on an existing policy, Rutherford County seniors can contact Elderlife Financial Services at (888) 228-4500.
The Council of Aging of Middle Tennessee is the AAA serving seniors in Rutherford and 12 other counties in this region. The agency coordinates access to programs and services that promote independence and quality of life for older adults.
The COA maintains an online directory of services and offers personalized information, advice and referrals to local and state resources related to education, legal and consumer matters, wellness, nutrition, long-term care, caregiver support, housing and at-home help.
Council on Aging of Middle TN
95 White Bridge Rd., Ste. 250, Nashville, TN 37205
Mid-Cumberland Public Transit’s IIIB program provides wheelchair-accessible, door-to-door transportation services for seniors aged 60 plus at no charge. Rides are available on a first-call, first-served basis, but priority is given to seniors with medical appointments. Trips may be scheduled Monday through Friday between 6 a.m. and 6 p.m., excluding holidays.
Mid-Cumberland Public Transit
1101 Kermit Dr., Ste. 300, Nashville, TN 37217
Staff at the Rutherford County Veterans Services office are available to help senior veterans and survivors apply for medical, long-term care and disability benefits and VA pensions. Comprehensive medical services are available at the Tennessee Valley Healthcare System campuses in Nashville and Murfreesboro.
Rutherford County VSO
1 S. Public Sq., Rm. 104, Murfreesboro, TN 37130
TVHS Nashville Campus
1310 24th Ave. S., Nashville, TN 37212
TVHS Alvin C. York Campus
3400 Lebanon Pike, Murfreesboro, TN 37129
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