New Hampshire may not have the warm climate or low cost of living that many seniors look for when it comes time to choose a place to retire, but it does have its perks. New Hampshire’s tax policies are very retirement-friendly, and local nonprofits and governmental organizations have many helpful services in place for seniors who choose the Granite State for assisted living.
Directory of Assisted Living Facilities in New Hampshire
There are many factors to consider when searching for an assisted living facility for yourself or a loved one, including your finances, level of care needed, and personal preferences. The tool below is a great place to start. Use the directory to learn about facility amenities, size, pricing, and more.
Find Assisted Living in Your Area
How to Pay for Assisted Living in New Hampshire
Determining how to finance assisted living often starts with the question, “What’s the cost?” In today’s economy, where inflation plays a significant role, having current data is crucial for senior living financial planning. AssistedLiving.org has gathered cost information from its expansive network of over 75,000 senior living providers. This data offers a glimpse into the average expenses for assisted living in New Hampshire and 10 additional cities within New Hampshire.
How Inflation Has Impacted the Cost of Assisted Living in New Hampshire
Inflation caused assisted living prices to rise throughout the U.S. from 2022 to 2023, with New Hampshire following the trend. In the state, costs rose 20% from $5,191 to $6,217, double the national average rate. Neighboring state Connecticut saw a 16% increase in assisted living rates in the same period.
Prices are expected to rise 10% to $6,827 in New Hampshire by 2024, compared to 14% in Massachusetts, 4% in Maine and Connecticut, and 8% nationally. By examining inflation trends in different regions, seniors can make more informed decisions when making arrangements for senior care.
|2022 Cost (Historical)
|2023 Cost (Current)
|2024 Cost (Estimated)
Assisted Living Costs in New Hampshire's Top Cities
Seniors exploring assisted living options in New Hampshire can expect to find a high degree of price variance between cities. In the capital city Concord, assisted living costs an average of $5,295, $922 less than the state average. Nashua offers even more affordable assisted living at $3,683 per month. Closer to the coast, Dover and Salem are more consistent with the average price for New Hampshire at $6,346 and $6,446 respectively.
The Cost of Other Types of Senior Living
The costs associated with senior living depend on the level and type of senior care required. At $7,169, memory care offers specialized treatment and programming to seniors with dementia. Independent living is the most affordable option, and provides community amenities for seniors who are fully self-sufficient or require minimal care. Assisted living offers a balance between independent living and more specialized care, with a variety of floor plans and additional services.
Financial Assistance for Assisted Living in New Hampshire
Choices for Independence Waiver
The Choices for Independence waiver helps seniors access the services they need in their own home or a community setting, rather than be placed in a nursing home. This Medicaid Home and Community Based Waiver may be used towards assisted living, residential care homes, adult family care, and other types of supportive housing. It allows seniors to maintain more independence and autonomy, as they are able to choose their own providers.
Who Is Eligible?
Applicants must be age 65 and over, require a nursing home level of care, and meet income limitations. The monthly income limit is set at $2,250 with countable assets less than $2,500.
How to Apply
Interested seniors can apply online or call 1-866-634-9412.
Old Age Assistance Program
The Old Age Assistance program is part of a group of Cash Assistance Programs sponsored by the state government. All Cash Assistance Programs aim to aid financially needy New Hampshire residents by providing monetary assistance. Old Age Assistance specifically helps seniors, and the given resources may be used to help finance long-term care. There is a resource limit of $1,500 per person.
Who Is Eligible?
Applicants must be age 65 and over, and meet income requirements.
How to Apply
More Ways to Finance Assisted Living
Some additional ways to finance assisted living costs include:
- Veterans Benefits: Veterans can take advantage of several different pension programs to help cover the cost of assisted living. For more information, see the article on benefits.va.gov.
- Life Insurance Policies: Even if a spouse or loved one hasn’t died, certain types of life insurance policies can be used to pay for assisted living. More information is available at longtermcare.acl.gov
- Long-Term Care Insurance: Long-term care insurance is a type of insurance policy that pays for long-term care when it becomes necessary, including the cost of assisted living. For more information on the benefits and drawbacks of this financing method, visit longtermcare.acl.gov.
- Reverse Mortgages: Reverse mortgages allow seniors to access the equity from a home that they own, and these funds can be used to pay for assisted living. The U.S. Department of Housing and Urban Development offers a federally insured reverse mortgage program.
Free and Low-Cost Resources for Seniors in New Hampshire
There are many resources in New Hampshire that assist seniors in their retirement. Assistedliving.org has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.
Area Agency on Aging
Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.
|New Hampshire Adult & Aging Care
|New Hampshire Area Agencies on Aging are services that help adults ages 60 and older, or 18 and older with a disability, live independently. AAA programs in New Hampshire assist older adults with nutritious, hot, home-delivered meals and community dining, which offers socialization opportunities and promotes overall wellness. Other vital services include transportation to help seniors get to medical and dental appointments, obtain groceries and reach other destinations.
Cash Assistance Programs
Cash assistance programs in New Hampshire provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.
|New Hampshire Lifeline Program
|The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones.
|New Hampshire Old Age Assistance
|New Hampshire residents aged 65 years or older can apply for Old Age Assistance cash benefits under the State Supplemental Program. An applicant must have a Social Security number and meet certain income and financial resources requirements. Income limits vary according to seniors’ living arrangements, whether they’re living on their own, with family members or in an assisted living facility. Seniors undergo interviews upon completion of application forms.
Financial Assistance for Senior Care and Senior Living
Whether living in their own home or in a senior living community, New Hampshire seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.
|New Hampshire Choices for Independence Waiver
|The NH Choices for Independence Waiver helps seniors receive the support and care they need, whether in an institutional setting like a nursing home or other community facilities. The Waiver can be used to cover the cost of personal care services, home health aides, transition services, skilled nursing care and durable medical equipment. It can also be used for respite care and case management services. The program is open to seniors aged 65 and over, as well as younger adults who are living with a disability. Under Choices for Independence, seniors are given a case manager who will work with them to develop a care plan that either allows them to live independently in their home or helps them access the skilled nursing care they require in order to maintain a high quality of life.
Food Assistance Programs
Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help New Hampshire seniors afford the nutritious food they need.
|New Hampshire Meals on Wheels
|New Hampshire Meals on Wheels runs independently operated food assistance programs throughout the state. Eligibility is open to seniors ages 60 and over and those unable to shop for groceries or prepare their own meals. Meals are served in a congregate setting to help reduce isolation or delivered to seniors’ front doors with a friendly visit and safety check. Although additional services vary, they may include pet meal delivery, telephone reassurance and transportation services to local health care appointments.
|New Hampshire Supplemental Nutrition Assistance Program (SNAP)
|The New Hampshire Supplemental Nutrition Assistance Program helps low-income residents obtain healthy food. Adults 60 and over who meet household size, income, expense and resource guidelines are eligible. Qualified seniors receive Electronic Benefits Transfer cards that are accepted at most grocery stores and supermarkets statewide. EBT card funds can buy dairy products, bread, rice and pasta, meat, fish and fresh produce. However, they cannot be used to purchase alcohol, tobacco, prepared foods or personal care items.
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in New Hampshire collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
|New Hampshire Loaner’s Closet
|The Community Caregivers of Greater Derry maintains a large medical equipment loan closet that includes a variety of mobility aids and other equipment.
Health Insurance & Prescription Drug Coverage for Seniors
New Hampshire seniors who meet certain income criteria can apply to local resources to help them pay for prescription drugs. Eligible residents can also receive assistance through health insurance and other programs to access free or discounted medical services.
|New Hampshire Medication Bridge Program
|The NH Medication Bridge Program is sponsored by the Foundation for Healthy Communities. It helps individuals access prescription medications they might not otherwise be able to afford.
|New Hampshire Rx Card
|This is the state’s free prescription assistance program. Residents can apply for a card that grants automatic discounts of up to 80% on prescription drugs at participating pharmacies. The program aims to help those who are uninsured or underinsured access affordable medication.
Home Repair and Modifications
Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in New Hampshire have different eligibility criteria and often assist retirees by providing grants or loans.
|New Hampshire Section 504 Home Repair Program
|The Section 504 Home Repair Program offers loans of up to $40,000 and grants of up to $10,000 for senior homeowners to make essential home improvements. The program is aimed at seniors who would otherwise not be able to cover the cost of home repairs.
Many organizations offer free or low-cost legal services to New Hampshire seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.
|New Hampshire Legal Aid
|New Hampshire Legal Aid provides free legal services to those aged 60 and over in Dover and can help individuals navigate issues such as wills and trusts, guardianship and powers of attorney. This agency can also help older adults apply for benefits, such as Social Security and Supplemental Security Income.
Senior centers in New Hampshire bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.
|New Hampshire Catholic Charities
|This faith-based charity offers a variety of programs that may be of use to local seniors, including financial literacy education, mental health services and legal aid. Health care services are also available, including dental, podiatry and optometry consultations. The CareGivers program connects volunteers with elderly citizens in need of transportation, chore assistance or friendly visits.
Social Security Offices
Social Security offices in New Hampshire help seniors and disabled people access the benefits they’re entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.
|New Hampshire Social Security
|Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you’ll receive monthly payments based on how much you earned when you were working.
Seniors can apply for tax assistance from several New Hampshire resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.
|New Hampshire Elder Property Tax Exemption
|The Elder Property Tax Exemption offers a reduction in property taxes for seniors who are homeowners. The state has additional exemptions for veterans and those living with certain disabilities.
Utility & Energy Bill Assistance
Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. New Hampshire retirees could also qualify for emergency funding programs if they’re in danger of losing utility services due to unpaid invoices.
|New Hampshire Electric Assistance Program (EAP)
|The Low Income Home Energy Assistance Program helps those who live in eligible households meet their utility bills. It offers support in the form of a one-time payment during the coldest months of the year.
|New Hampshire Fuel Assistance Program
|The New Hampshire Fuel Assistance Program, part of the Low Income Home Energy Assistance Program, helps qualifying New Hampshire seniors stay warm during the cold months. The primary way it assists is by providing financial help for heating costs ranging from $243 to $2,419, with the average totaling $1,530.25. Aid may also be available for shut-off notices, emergency fuel delivery and referrals. Eligibility is based on income, the home’s number of residents and energy costs totaling $100+.
New Hampshire retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they’re eligible for and provide advice and information on a variety of issues.
|New Hampshire VA Benefits and Health Care
|New Hampshire VA Benefits and Health Care provides resources for senior veterans, with supportive services available through VA health and benefit offices. Seniors and their families can receive medical care, apply for benefits, receive mental health counseling and learn about cemetery benefits for senior vets in New Hampshire. Seniors can call (800) 698-2411 for further assistance.
Assisted Living Laws and Regulations in New Hampshire
Assisted Living Definition
In New Hampshire, there are two different types of assisted living facilities, which offer different levels of care:
- Supported Residential Health Care: These facilities are the more comprehensive of the two options. They provide social and health services to three or more residents, and may provide short-term medical care to residents who are recovering from an illness.
- Residential Care: These facilities provide assistance with personal care and provide social activities. Supervision levels are kept to a minimum.
Neither type of facility is able to care for seniors who require around-the-clock nursing care.
Assisted Living Care Plans
Residents of both types of facilities must be evaluated using an assessment tool approved by the New Hampshire DHHS. Assessments must be repeated at least twice per year, including following a change in condition. If deemed necessary during the initial assessment, a follow-up nursing assessment must be completed to evaluate medication use, vital signs, and physical and cognitive condition. These assessments are then used to develop residents’ care plans.
Assisted Living Admission Requirements
Both facilities must only admit residents whose needs they can meet with certainty.
- Supported Residential Health Care facilities may admit residents who require mechanical assistance to transfer if all direct care personnel receive training in how to properly operate such equipment. They may also admit residents who have an ulcer of Stage III or higher pressure if the facility employs a licensed nurse or contracts a healthcare professional who has specialized training in caring for persons who have ulcers.
- Residential Care facilities may only admit residents who are capable of evacuating on their own in case of an emergency.
Assisted Living Scope of Care
Supported Residential Health Care facilities provide the more comprehensive services of the two ALF options in New Hampshire. Their core services include:
- Health and safety services
- Personal care services
- Medication services
- Social and recreational programming
- Medication services
- Assistance arranging medical appointments
- Supervision of residents with cognitive impairments
- Crisis intervention
- Access to nursing services, as needed by residents
The core services provided by Residential Care facilities include:
- Supervision of activities of daily living (ADLs), like dressing and bathing
- The arrangement of medical appointments
- Assistance accessing community services
- Supervision of residents with cognitive impairments
- Crisis intervention
Both facilities may only provide 24-hour licensed nursing care to residents for periods of up to 21 days.
Assisted Living Medicaid Policy
New Hampshire Medicaid doesn’t directly pay for the cost of assisted living. However, the Medicaid Choices for Independence Waiver program may be used to help cover the cost of either type of assisted living facility. Keep in mind that the waiver program is not an “entitlement” program, meaning that not everyone who qualifies will be able to receive care as there is a participant cap.
Assisted Living Facility Requirements
Private apartments are not required in either type of residential care facility. Resident units may be single-occupancy or double-occupancy, and there must be at least one toilet, one sink, and one shower or bathtub for every six residents.
Medication Management Regulations
Residents Supported Residential Health Care facilities may self-administer medication or self-direct administration verbally to staff if they are unable to administer the medication themselves. All facility staff may remind residents to take their medication, place containers within residents’ reach, and observe and document side effects.
Unlicensed staff may administer oral medications only if they are delegated to do so by a licensed nurse, and if they have undergone a 4-hour training on infection control, the “five rights” (right dose, right resident, right medication, right time, and right route), general categories of medications, and potential side effects, precautions, and interactions.
Medication regulations for Residential Care facilities are similar to those described above, but medications must be administered by a licensed nurse, a medication nursing assistant, or another staff member authorized by law to assist.
Supported Residential Health Care facilities must employ an administrator to handle day-to-day operations, direct care personnel to provide residents with personal care services, and a licensed nurse to oversee medication administration and health services, and complete resident assessments. At least one staff member must be on duty and awake at all times, except in facilities with eight or fewer residents that have necessary electronic safety and communication systems.
Residential Care facilities must also employ an administrator, direct care personnel, and a licensed nurse to administer medications. No awake staff member is required to be present during the night in facilities of sixteen or fewer residents if the proper communication and safety systems are in place, residents are fully capable of self-evacuation, and no residents have acute medical needs or a history of being abusive.
Neither type of facility has state-mandated staff ratios. Individual facilities may set their own standards for staff-to-resident ratios.
Staff Training Requirements
Both types of facilities require administrators to complete 12 hours of continuing education per year. Topics must include nutrition, first-aid, medication management, resident assessment, and residents’ rights.
Direct care personnel must receive training within a week of hire covering topics including residents’ rights, complaint procedures, emergency and evacuation procedures, and infection control. They must also receive annual continuing education on infection prevention and control, residents’ rights, and the facility’s emergency plan.
Background Checks for Assisted Living
Both types of facilities must obtain and review a background check from the New Hampshire Department of Safety for all applicants for employment, as well as for residents. Facilities must not offer employment or grant admission if the application has been convicted of a violent crime, sexual assault, fraud, abuse, neglect, or exploitation, or may otherwise pose a threat to residents’ safety and wellbeing.
Requirements for Reporting Abuse
Any cases or suspicions of elder abuse or neglect should be reported to the DHHS Bureau of Elderly and Adult Services. The Bureau can be reached by calling (800) 949-0470 or (603) 271-7014.
If you would like to report a violation of any of the above mandates or have other concerns about a residential care facility, you should direct those messages to the office of the Long-Term Care Ombudsman. To contact the ombudsman, call (800) 442-5640 or (603) 271-4375.
New Hampshire COVID-19 Rules for Assisted Living Facilities
Note: The following information was compiled and most recently updated on 2/10/22. Since COVID-19 is a rapidly evolving crisis, be sure to contact your assisted living facility or local Area Agency on Aging for the most up-to-date information.
|COVID-19 Rules in New Hampshire
|Are loved ones allowed to visit residents in their assisted living community?
|Yes (Conditions Apply)
|Are residents required to quarantine after their loved ones visit?
|Are loved ones required to wear masks when visiting residents?
|Are Hairdressers and other non-medical contractors allowed in assisted living communities?
|Are visitors screened for elevated temperatures before entering the assisted living community?
|Are residents allowed to leave the assisted living community for non-medical reasons?
|Are residents who leave required to quarantine when they get back to the assisted living community?
|No (Conditions Apply)
|Are assisted living communities required to cancel all group outings?
|Are assisted living communities allowed to host group activities within the community?
|Yes (Conditions Apply)
|Are staff members regularly checked for elevated temperatures?
|Are staff members regularly tested for COVID-19?
|Yes (Conditions Apply)
|Are residents regularly screened for COVID-19 symptoms?
|Are residents regularly checked for elevated temperatures?
|Are residents regularly tested for COVID-19?
|Yes (Conditions Apply)
Learn More About the Best Assisted Living Communities in Wyoming's Top Cities
We’ve compiled a list of the best assisted living facilities in each the cities featured below using our unique methodology. View images, base pricing, room types, and more information about these communities by clicking on the links below.