
Iowa’s average cost of assisted living is about $4,800 per month. This is slightly lower than the national average of about $5,100 per month.[01] Assisted living costs vary from community to community and tend to increase as floor plans get more spacious, amenities get more luxurious, and care levels get more advanced. That said, Iowa’s cost of assisted living ranges between about $3,000 and $6,400 per month.[01]
Assisted living costs can also vary depending on the exact location of a community. In general, you can expect to see higher assisted living costs in locations that have a higher cost of living. Overall, Iowa’s cost of living is less expensive than the national average.[02] This could explain why the state’s cost of assisted living is also slightly less expensive.
The assisted living costs above are reflective of actual prices paid by families with a senior loved one who is referred to one of A Place for Mom’s partner communities in Iowa. Our figures account for all fees paid, including care, services, and amenities. While many families use personal savings to cover these costs, most use a combination of payment methods, which are covered in the following section.
Average monthly costs
Iowa
US National average
Average monthly costs
Average monthly costs
Average monthly costs
| Community type | Iowa | U.S. | Cost difference |
|---|---|---|---|
| Assisted Living | $4,392/mo | $4,565/mo | 3.8% below national median |
| Memory Care | $4,394/mo | $4,803/mo | 8.5% below national median |
| Independent Living | $3,220/mo | $4,024/mo | 20.0% below national median |
There are a variety of payment methods and financial aid programs to help pay for senior care, including private pay options, Medicare, Medicaid, and VA health care benefits. You can probably expect to use a combination of these options.
“Private pay” simply means you’re paying for something with personal funds. Whether that means dipping into a savings account, selling a life insurance policy, or leveraging your home equity, there are a variety of private pay options that will help pay for assisted living in Iowa. Click on the articles below to learn about your options.
Selling a house can generate funds to help pay for assisted living in Iowa.
Reverse mortgage loans convert a portion of your home equity into cash, which can be used to pay for assisted living in Iowa.
Health savings accounts (HSAs) can cover long-term care insurance premiums and health care costs in Iowa.
Life insurance policies can be sold or surrendered to pay for assisted living in Iowa.
Long-term care insurance covers some or all assisted living services in Iowa, depending on the policy.
Social Security benefits can help pay for assisted living in Iowa.
There are about 162,300 veterans residing in Iowa, and about 26% of them are age 75 or older.[03] The U.S. Department of Veterans Affairs (VA) provides eligible veterans and their spouses benefits coverage for assisted living. Many veterans are unaware of the VA’s benefits, or they assume they won’t qualify. However, some veterans benefits are more generous than you may expect and are worth checking into. Additional generous benefits are also available to veterans who acquired a disability during their service. You can view the VA’s list of service-connected ailments to learn if you or your loved one qualifies.
Sifting through VA benefits, eligibility requirements, application processes, and potential appeals can be a complicated and convoluted process. Consider reaching out to a veterans benefits counselor for assistance in determining which benefits you or a loved one qualifies for, plus guidance in applying.
In Iowa, qualified veterans benefits assistance can be found through local VA centers and veterans service organizations (VSOs). Local VSOs include the following:
Medicaid is a state and federal health insurance program for people with a limited income. It’s funded jointly by federal and state governments but is administered only at the state level. Medicaid coverage for assisted living won’t pay for room and board, but it can pay for some assisted living services.
Iowa’s Medicaid program, called Iowa Total Care, is administered by the Iowa Department of Human Services. It can help cover or reduce the costs of certain services, including the following:[04]
Through Iowa’s Home- and Community-Based Services (HCBS) Waiver Program, eligible members can receive their services and care in their own homes or communities, including assisted living communities, rather than in a nursing facility or hospital. The Elderly (E) waiver, for example, provides services to Iowa residents who are at least 65 years old and in need of nursing facility level care. Services are customized to meet the needs of the individual member.
Additionally, Iowa’s Program of All Inclusive Care for the Elderly (PACE) is a Medicaid and Medicare program for qualifying adults aged 55 or older receive medical care, long-term care, and prescription medications within their community of choice.
If you need help understanding your Medicaid benefits or accessing related information within your long-term care facility, contact your local long-term care ombudsman. The Iowa long-term care ombudsman is available at 866-236-1430.
Medicare is a federal health insurance program for adults age 65 and older. While it won’t cover the cost of personal care or room and board, Medicare will cover some assisted living costs, such as medical services and procedures. You can use the Medicare coverage search tool to find out if Medicare covers a specific diagnostic test, medical device, or procedure.
Each state provides its own Medicare Savings Programs, which are designed to help eligible individuals cover Medicare premiums, deductibles, and copayments. Iowa’s Medicare programs include the following:
If you need further assistance with Medicare benefits, contact the Iowa long-term care ombudsman by calling 866-236-1430.

Comfortable happy, well treated by staff. When touring my son and I agreed this is the palce for me. I'm so glad to be here and not elsewhere. Staff is excellent and caring.
My dad loves the food they serve and has gained 11 lbs. Everyone is very kind and helpful. He has made many friends that live there. The falls that come in and clean do a great job. The apartment is very...
My experience with them was great, however my mother moved herself out & is responsible for her own care. I would recommend them.
I love it so far. I have everything I need here. I get a noon meal and the food is pretty good. Everyone is friendly and helpful. I've met a lot of nice people. I'm not sorry I made the move.
Very accommodating with care requests. Change in schedules and very friendly staff and always asking how my sister is doing. She has had alot of health issues and changes in her meds and hospital stays....
Staff was very accommodating when you brought up issues. They were very supportive through in home hospice care. They had great afternoon music and happy hours. Crafts were hit or miss due to transition in...
The Addington Place safe were very caring and considerate. They were patient and always willing to help anytime I had questions. My Mom really liked being there and felt comfortable too. Sadly, she couldn't...
What we like the most about the Edencrest at Riverwoods community is the friendliness of the staff and their willingness to make my mom as comfortable as possible in her last days.
[name removed] says she is glad she moved to Edencrest at Beaverdale and that she should have done it sooner. The facility is small enough and charming; not reminding of hospital type settings. Her...
In hind sight, overall it was good. It's complicated because my wife did not want to be there. It's a beautiful facility, always clean and maintained, food is awesome, staff and residents are friendly,...
The memory care unit was very attentive and spent time with her. The rooms were very nice. The garden courtyard was lovely and very inviting. The unit was safe and secure. The staff was very friendly and...
The facility is set up like a little town in the middle and apartments are in a circle on the outside of that. The residents are accounted for every 2 hours and facility is secure. I have seen staff very...
My wife and I moved here at featherstone due to my wife's dementia. She was in memory care and was not easy to deal with. The staff did well for her care. I live in my own apartment and am well taken care of...
No complaints ( except that folks hole up pretty soon after dinner !) The apartment size and location of the community is fine. I would recommend it to others who are searching for a place for their loved...
Each room is cleaned once a week. I watched the girl "clean" my room- she needs to change the mop water. The dining and shared spaces are clean, they vacuum non stop. The staff were super friendly. I was...
In Iowa, for licensing purposes, assisted living communities are referred to as Assisted Living Programs. Assisted Living Programs are licensed by the Department of Inspections and Appeals, Health Facilities Division. The Department of Inspections and Appeals defines Assisted Living Programs as housing with a homelike environment that provides the following services to at least three tenants:[05]
Assisted Living Programs in Iowa are also expected to encourage family involvement and resident participation in decisions about their dignity, privacy, and independence.
In some cases, an Assisted Living Program can be certified as a dementia care unit, as long as they meet certain requirements. The Department of Inspections and Appeals is in charge of approving a facility’s memory care program after reviewing their policies, admission and discharge criteria, safety procedures, and plans for staffing and servicing the facility.[06]
A few examples of specific requirements that assisted living communities licensed as Assisted Living Programs in Iowa must follow include the following:[05]
We developed a system to rate each state on how easy — or difficult — it is to find important assisted living records and reports, and we compiled tips to help you in your search.
States with the most transparent records allow you to look up important information about each assisted living facility online. This information could include inspections, complaints, survey results, violations, capacity, and whether the facility accepts Medicaid.
Public access to assisted living records and reports for the state of Iowa is high. Here are the key findings that informed this rating:
We developed a standard methodology for state data collection and evaluation, and we based our rating primarily on the objective, state-specific accessibility criteria outlined in these questions:
State regulations — and a community’s track record with inspections and licensing — offer important insights into safety and quality of care in senior living communities.
Download the Guide to Senior Living Licensure and Inspection Reports to learn what to look for in inspection reports and what questions to ask when touring communities. This resource explains how to use state licensure and inspection information to evaluate a community’s compliance, care standards, and responsiveness to issues.
A Place for Mom. (2023). A Place for Mom proprietary data.
Livingcost.org. Cost of living in Iowa.
United States Census Bureau. (2021). American community survey: Iowa, 75 years and over, veteran status (S2101).
Iowa Total Care. Benefits overview.
National Center for Assisted Living (NCAL). (2022). Assisted living state regulatory review.
Iowa Department of Human Services. (2015). Compendium of Residential Care and Assisted Living Regulations and Policy: 2015 Edition.
Overview of assisted living in IA
The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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