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Guide to Senior Living
The case for proactively planning, talking early and aligning on decisions now for aging loved ones
By Ellie Kollme
A phone call often starts the journey: a fall, a hospital visit, a pile of unopened bills on the kitchen table. Families suddenly confront decisions about aging, care and finances – often without a plan.
Demographics make that scenario increasingly common. The number of Americans ages 65 and older is expected to increase by 42% from 58 million in 2022 to 82 million by 2050, according to the Population Reference Bureau. More families now face questions about long-term care, housing transitions and financial planning.
Experts say the best approach is a proactive one that begins long before a crisis. Dori J. Dixon, founder of Southpoint Estate Planning; Jay Cannon, chief operations officer of Always Home Furniture Consignment; and Allison O’Shea, founder of Openly Aging, encourage families to plan early, ask questions and understand their options.
In this guide
Myth Busters: The biggest misconceptions about aging and care
MYTH: You must navigate the aging process alone.
It’s easy for families to feel isolated when facing the complexities of elder care, but Jay says it’s important to remember that people have faced these challenges many times before. “You’re not the only person doing this,” he says.
Allison adds that families are not expected to understand the “ecosystem” of aging, as older adults today have significantly more options than previous generations and navigating those choices requires professional insight. “It’s all about education and understanding as a consumer what to expect,” she says. “There’s no right or wrong answer to aging. There’s so many options, and that’s why strategy is key.”
Myth: Aging means losing control.
Allison notes that society tends to ignore aging and to favor the youth, but her key mantra is, “Aging is not a problem to fix.” It’s a universal experience, and she encourages individuals to shift their mindset from avoidance to advocacy. Being proactive and planning ahead allows older adults to implement strategies that enable them to remain independent and in control of their lives for as long as possible.
MYTH: Long-term care means moving to a facility.
Images of clinical corridors and nursing home hallways often dominate conversations about aging. Reality offers far more options. Dori explains that the right coverage can actually be a ticket to staying home. Many long-term care insurance policies can cover in-home care, allowing seniors to maintain independence and avoid institutional settings altogether. Timing matters. Premiums rise with age, so Dori often recommends investing in long-term care insurance between ages 50 and 60.
MYTH: All powers of attorney are created equal.
A common mistake is treating a power of attorney as a “one-size-fits-all” document easily downloaded or purchased online. However, Dori cautions that these documents carry significant legal nuance. “They have different powers in them depending on what kinds of powers you want to give to your agent,” she says. According to the NC Department of Health and Human Services, the general power of attorney allows someone to take care of your finances during your lifetime if you are unable, while a health care power of attorney appoints a decision-maker for your medical care. A power of attorney goes into effect once the document is signed or when one is deemed incompetent.
MYTH: Marriage and parenthood guarantee automatic estate control.
“A lot of people think that, if you’re married, everything automatically goes to your spouse, or that the living parent will automatically be in charge of any money that goes to a child,” Dori says. “But that’s not the case.” If you die without a will, North Carolina law states who receives your property at death. For example, if you are married and have two or more children and you die without a will, your spouse will receive the first $60,000 of personal property and one-third of the remaining personal property as well as a third of the real property. The children will receive the remaining personal and real property. This does not apply to property that is jointly held or property that names a beneficiary. If the children are minors, the surviving parent will need to go to court to be appointed as guardian of any property the children receive and will be required to submit annual accountings to the court.
MYTH: Probate is a simple process.
Many believe that having a will ensures a quick transition of assets, but the legal reality of probate – the court-supervised process that validates a will and appoints a personal representative to administer the estate – can be grueling. Even with a straightforward estate, Dori warns that the timeline is often backlogged. “While you’re waiting for that process, no one has access to the bank [account],” Dori says. She recommends establishing a living trust to avoid this waiting period. This document outlines exactly how property is distributed upon death, provided that the assets are correctly “titled” in the name of the trust. An advantage of this process is the inclusion of a successor trustee, who gains immediate access to assets as soon as they present the owner’s death certificate, avoiding the court system entirely. Beyond trusts, Dori suggests utilizing beneficiary designations, as naming a specific beneficiary on an account allows that individual to access funds immediately.
MYTH: Estate planning only matters for wealthy families.
People often mistakenly believe that an “estate” requires a mansion or a sprawling portfolio. In reality, if you own a bank account, a car or a home, you have an estate. Proper planning can help avoid unnecessary legal hurdles and costs. “The worst feeling ever is paying a ton of money to get access to just a little bit of money,” Dori says. To get ahead of these challenges, Dori recommends organizing documents and ensuring all accounts are updated. This clarity guarantees that your resources are handled according to your wishes if you ever become unable to speak for yourself.
MYTH: You won’t qualify for Medicaid.
Dori says she frequently sees people prematurely disqualifying themselves from Medicaid, assuming their income or assets are too high to ever receive assistance. Dori warns that this assumption often leads to costly mistakes, such as “spending down” assets too quickly or making improper transfers that can trigger eligibility penalties. Rather than relying on “neighborly advice,” which is often inaccurate or outdated, Dori stresses the importance of professional guidance. “Get advice from an elder law attorney, and don’t just start spending,” she says. “Definitely don’t start giving things away without [expert] advice.” An elder law attorney can help families navigate the complex look-back periods and asset limits, ensuring they persevere as much as possible while still securing the care they need.
Frequently Asked Questions
What important documents should I have, and how often should I update them?
The moment an individual turns 18 and gains legal independence, Dori says they should have three foundational documents in place: a financial power of attorney, a health care power of attorney and a HIPAA waiver, which bridges the gap for accessing medical information. A health care power of attorney allows an agent to make medical decisions, but that authority only goes into effect once a person is declared incapacitated. The doctor cannot disclose necessary medical information to prove incapacity without a HIPAA waiver already in place. The waiver authorizes designated individuals to speak with doctors immediately, enabling them to confirm the individual’s condition and trigger legal authority without administrative delays.
Dori also recommends a living will, formerly known as an Advance Directive for a Natural Death, which is not strictly required but is a critical component of a complete plan. Dori advises to update estate plans whenever a major life event occurs, such as the birth of a child or grandchild, a divorce, the onset of a disability or a bankruptcy filing. Dori suggests another simple “rule of thumb” for document maintenance: “Every time there’s a change in the administration, so every election cycle, check in with your attorney.” Legislative changes can affect estate law and tax policies, so it’s important to see how it might impact your current plan.
What is the difference between a will and a trust?
Both documents outline how property is handled after you pass away, but they function in different ways. A will outlines your final wishes, but does not go into effect until your death. A trust, however, is active and allows someone to manage your property if you are incapacitated. A trust requires “funding,” meaning retitling assets such as your home or bank accounts into the trust’s name. This structure allows assets to pass directly to your beneficiaries upon death, which helps avoid court fees and enables loved ones to access their inheritance quicker. It also enables your named trustee to step in immediately to help pay bills and manage assets without needing a court order. Dori says a trust can be more expensive to set up, but often saves families time and legal expenses later by not needing to pay probate fees to attorneys.
When should I start downsizing?
Downsizing often carries emotional weight when it’s associated with a move into a smaller home or a care facility, but Jay suggests that decluttering isn’t just about getting rid of things, but about improving daily life, reframing the concept as a transition rather than a loss. “There’s an instant quality-of-life benefit, whether you’re 25 years old or 75 years old, to just let go of some stuff,” he says. Always Home helps families manage this shift through comprehensive downsizing services ranging from estate sales and consignment services to moving support. “We took what a lot of vendors do really well, and we packaged it up into a complete offering,” he says.
What is an estate sale?
The professional selling of an older adult’s personal belongings. In many cases, the sales often generate proceeds that can help offset moving or care costs. Jay explains that Always Home focuses on items they believe will sell, consigns or includes them in estate sales, and then shares the proceeds with the client, effectively reducing or even covering the cost of the downsizing services.
Professional organizer Erica Edelman saw the process firsthand while helping a client move into assisted living whose home contained years of belongings. She says Always Home took care of everything – clearing out the house before the estate sale, coordinating and conducting the sale and clearing the house afterward. “I could not be more ecstatic,” Erica says.
Start Here: 6 Steps to Begin Planning
1. Have the Conversation
The most critical step in estate and care planning isn’t a legal filing, it’s dialogue. While these discussions can be difficult and uncomfortable, Dori emphasizes that they are the only way to ensure a loved one will get the support they want and need. Dori suggests framing the talk as an act of support, using phrases like, “I want to make sure I’m prepared, so I can take care of you in the best way possible.”
Transparency is key to ensuring everyone is on the same page. Dori recommends verifying details such as health insurance coverage, income sources and specific preferences for future care. If a loved one is resistant, she suggests bringing in a neutral third party.
Allison recommends weaving discussions into everyday moments instead of viewing it as a “big conversation,” which tends to lead to better and more honest answers. She says talking about this topic in positive ways is more efficient, and to ask questions surrounding independence when it comes to transportation, social engagement and housing to reveal priorities for the future. An example: “Have you ever thought about your goal to stay here? If you can’t drive, will you feel socially isolated?”
2. Establish a Power of Attorney
A power of attorney gives one or more persons the power to act on your behalf as your agent, and ensures someone is in place to help with health care or financial decisions if an individual is incapacitated. This can help avoid guardianship, which completely takes away a person’s freedom. Dori says establishing a power of attorney helps clients stay in control. “It’s your choice when you need it, and if you don’t have that in place, then the court is going to decide, and it’s going to be a whole lot more expensive,” Dori says.
3. Organize and Update Documents
A well-organized filing system saves families countless hours later. Dori suggests creating a separate file for categories like property documents, bank statements, credit card statements, brokerage accounts and confirmations of beneficiaries that are named on life insurance or retirement accounts. It’s also prudent to keep a container with spare keys to the front door, the car, a vacation home, etc. “It’s a great way to organize things and make it really easy for your family, because they have everything in one place.” She recommends families keep these documents at home in a fireproof box rather than a safe-deposit box, because those are sealed after death. Dori says putting together a list of assets, concerns and personal goals for the future helps attorneys and advisors provide tailored guidance.
4. Review the Four Pillars
Allison structures proactive aging around four pillars – support system, living environment, supportive services and social connection – and says it’s important to know the contents of each pillar to better understand an individual’s aging journey. Support systems include family and friends as well as professional relationships. Allison says you need to know who is going to be there for you as you get older, but also understand when to seek out expert assistance. She says she commonly sees people struggle to identify a support system, but knowing you might need a care manager earlier will help you plan later on, and ensure you can pay for it. Ask questions to see if your current living situation is suited for aging, and make necessary adjustments if need be. “Your living environment has a lot more to do with how you age than people realize, but that’s also one of the hardest ones for people to get their heads wrapped around,” Allison says. “People have a hard time accepting the fact that their living environment may not be setting them up for success.” People also must understand how services are paid for – what your finances can support and what services are required based on your needs. She says people often realize too late that they can’t afford home care, or they might hold onto their money rather than proactively spending on reliable services like hiring a handyman or a driver, only to find themselves in desperate need later on.
Lastly, aging can bring an increased risk of isolation, particularly when mobility changes or driving is no longer an option. Allison says maintaining social connection plays a critical role in overall well-being. She encourages people to think intentionally about how they connect with others – whether they are more introverted or extroverted, and whether they prefer purposeful activities like volunteering or casual social gatherings. Understanding those preferences, she says, allows individuals and families to create strategies that preserve meaningful interaction and prevent isolation as circumstances evolve.
5. Understand the Financial Landscape
A common pitfall in aging is miscalculating the cost of future care. Allison notes that many people overestimate what they can afford, while others are unaware of the various benefits for which they may be eligible. Allison says it’s important to work with a financial advisor, as understanding your money situation as a whole will help with planning and benefits.
Dori echoes the sentiment that talking with your financial advisor early is essential, as retirement communities and assisted living homes can average $10,000 to $12,000 a month – oftentimes more – causing people to quickly run out of money when paying for care. If families cannot pay for long-term care in a nursing home, she advises investing in long-term care insurance and researching if they qualify for Medicaid benefits.
6. Begin Now
Allison emphasizes that early planning gives you the most options. “When you wait for a crisis, you put yourself or your loved one in a more vulnerable position,” she says. “Because, all of a sudden, you need an intense level of care, and you have to trust that the people who are providing it are doing the right thing.” She says this can be prevented by having your strategy in place, which is why she focuses on pre-crisis planning and giving people peace of mind that enables them to adapt to certain circumstances.
2026 Directory of Assisted Living, Continuing Care, Independent Living, 55+ Living and Cohousing Retirement Communities
Assisted Living Communities
Avendelle Assisted Living at Southpoint
1305 Capstone Dr., Durham
Entrance Fee Call for pricing
Monthly Fee Range Call for pricing
Contract Options Monthly rate includes personalized care, dining, activities, laundry and housekeeping
Refund Options 14-day notice required
Long-Term Care Insurance Not required, but accepted
Contact Information avendelle.com
Brookdale Chapel Hill Assisted Living
2220 Farmington Dr., Chapel Hill
Entrance Fee One-time community fee, call for pricing
Monthly Fee Range Call for pricing
Contract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Accepted
Contact Information 984-710-4715; brookdale.com
Brookdale Chapel Hill Alzheimer’s and Dementia Care
2230 Farmington Dr., Chapel Hill
Entrance Fee One-time community fee, call for pricing
Monthly Fee Range Call for pricing
Contract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Accepted
Contact Information 984-710-4715; brookdale.com
Brookdale Durham Assisted Living and Dementia Care
4434 Ben Franklin Blvd., Durham
Entrance Fee One-time community fee, call for pricing
Monthly Fee Range Call for pricingContract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Accepted
Contact Information 919-479-9966; brookdale.com
Brookdale Meadowmont Assisted Living and Dementia Care
100 Lanark Rd., Chapel Hill
Entrance Fee One-time community fee, call for pricing
Monthly Fee Range Call for pricing
Contract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Accepted
Contact Information 919-918-7600; brookdale.com
Calyx Living of Durham
4214 Guess Rd., Durham
Entrance Fee Application fee required, call for pricing
Monthly Fee Range Call for pricing
Contract Options Monthly rate includes care, dining, activities, laundry and housekeeping
Refund Options 14-day notice required
Medicare Certified Not applicable
Long-Term Care Insurance Not required, but accepted
Minimum Age 60
Contact Information 919-471-0091; calyxseniorliving.com
Cambridge Hills Assisted Living
140 Brookstone Ln., Pittsboro
This all-inclusive four-star community, which has served Chatham County and neighboring counties for more than 20 years, is a 90-bed assisted living community with a 38-bed memory care wing that offers both private and semiprivate rooms and award-winning activity programs.
Community Fee Call for pricing
Monthly Fee Range Call for pricing; veteran discounts offered
Contract Options None. Requires 14-day notice before moving out
Refund Options Prorated based on move-out date
Medicare Certified No; Medicaid accepted
Long-Term Care Insurance Accepted
Minimum Age 65
Contact Information 919-545-9573 or shelby@silver-thread.com; silver-thread.com
Chatham Ridge Assisted Living & Memory Care
114 Polks Village Ln., Chapel Hill
Entrance Fee One month’s rent
Monthly Fee Range Starting at $5,290
Contract Options Month-to-month
Long-Term Care Insurance Accepted
Minimum Age 55
Contact Information 919-883-9767; navionseniorsolutions.com
Laurels of Chatham (Skilled Nursing & Rehab Facility)
72 Chatham Business Dr., Pittsboro
Monthly Fee Range $10,260 – $12,240
Medicare Certified Yes; also accepts most Medicare Advantage plans, commercial insurance, Medicaid and private pay
Long-Term Care Insurance Not accepted
Contact Information Facility: 919-542-6677; Admissions: 919-302-7862; laurelsofchatham.com
Mebane Ridge Assisted Living & Memory Care
1999 S. NC Hwy. 119, Mebane
Entrance Fee One month’s rent
Monthly Fee Range Starting at $4,500
Contract Options Month-to-month
Long-Term Care Insurance Accepted
Minimum Age 55
Contact Information 984-203-7588; navionseniorsolutions.com/communities/mebane-ridge
Roxboro Assisted Living
5660 Durham Rd., Roxboro
Entrance Fee Call for pricing
Monthly Fee Range Call for pricing
Refund Options Requires 14-day notice
Medicare Certified No
Long-Term Care Insurance Accepted
Minimum Age 55
Contact Information 336-598-4697; admin1@roxboroassistedliving.com; roxboroassistedliving.com
TerraBella Senior Living
1911 Orange Grove Rd., Hillsborough
Entrance Fee $3,500
Contract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Accepted
Minimum Age 55
Contact Information 919-732-9040; terrabellahillsborough.com
Waltonwood Cary Parkway
750 SE Cary Pkwy., Cary
Entrance Fee One-time community fee, call for pricing on cottages, one- and two-bedroom options in independent living; one- and two- bedroom options in assisted living and private apartments in memory care.
Monthly Fee Range Call for pricing
Contract Options Year lease
Medicare Certified No
Long-Term Care Insurance Accepted
Contact Information 919-460-7330; waltonwood.com
Continuing Care Retirement Communities
Carolina Meadows
100 Carolina Meadows, Chapel Hill
The 166-acre campus includes a nine-hole golf course, pristine walking trails, tennis and pickleball courts, community gardens and more. Residents enjoy distinctive dining venues, a state-of-the-art wellness center and an auditorium that offers fascinating lectures and performances.
Entrance Fee Range $154,700 – $925,100
Monthly Fee Range $3,687 – $6,064
Contract Options Fee for Service: Housing, residential services and guaranteed access to health-related services in exchange for entrance fee and monthly fee. Health-related services are provided at per diem rates, which vary. Home Care services are also available. Equity: See below.
Refund Options Predictable 75% Return of Equity refund option offered for all independent living homes on campus. The refund is based off original entrance fee.
Medicare Certified Yes, Medicare Part B
Long-Term Care Insurance Not required, but welcome
Minimum Age 62
Contact Information 919-370-7159; 800-458-6756; carolinameadows.org
Carol Woods
750 Weaver Dairy Rd., Chapel Hill
Entrance Fee Range $116,000 – $636,000
Monthly Fee Range $2,680 – $6,191
Contract Options Modified: Entrance fee and monthly payments cover housing, residential services like meals and housekeeping, and some health-related services. Health-related services are provided at a discounted rate.
Refund Options Declining Refund: Pay entry fee; full refund in first 90 days; refund declines at 2% rate each additional month; after 50 months, no refund.
Medicare Certified Yes
Long-Term Care Insurance Not required; could help pay for
discounted per diems.
Minimum Age 62 (co-applicant must be at least 55)
Contact Information 919-968-4511; 800-518-9333; carolwoods.org
The Cedars of Chapel Hill
100 Cedar Club Circle (Meadowmont), Chapel Hill
Purchase Price Range $400,000s – $2,000,000*
Monthly Fee Range $4,016 – $10,742
Contract Options *Equity: Actual real estate purchase, with transfer of ownership of the unit. Type B Modified contract. If a resident moves to a health center, 90 prepaid days except two meals per day. After 90 days, member pays discounted rate.
Refund Options Not applicable because of ownership
Medicare Certified Yes
Long-Term Care Insurance Not required
Minimum Age 62 (co-applicant must be at least 55)
Contact Information 919-259-7927; cedarsofchapelhill.com
Croasdaile Village
2600 Croasdaile Farm Pkwy., Durham
Set on more than 100 acres, the community offers a blend of a rural atmosphere and city conveniences within the residential neighborhood of Croasdaile Farm, located only 6 miles from downtown Durham.
Residents enjoy numerous green spaces with yards, gardening and walking trails, a dog park, lakes and the security of a full continuum of care on-site. The central campus buildings are connected, with a state-of-the-art wellness center, large heated pool, auditorium, woodworking shop, indoor pickleball court, art studio, multiple dining venues, a village shop and an interfaith chapel.
Entrance Fee Range $70,619 – $584,529
Monthly Fee Range $2,606 – $6,017 (single occupancy with second person fee of $1,647 for all residential homes)
Contract Options Fee for Service: Entrance fee and monthly payments cover housing, maintenance and groundskeeping; residential services such as meals, utilities and housekeeping; along with priority access to health-related services and health care navigation. Advanced levels of health services are provided at per-diem rates.
Refund Options Declining Refund: Option 1: Pay lower entry fee; refund declines at rate of 2% per month of occupancy; after 50 months, no refund is paid. Option 2: 50% Refund – pay higher entry fee; refund declines at a rate of 2% per month until 50% of residence fee is accrued; refund limited to 50%. Option 3: 90% Refund – pay higher entry fee; refund declines at a rate of 2% per month until 10% of fee is accrued; refund limited to 90%.
Medicare Certified Yes; rehab on-site
Long-Term Care Insurance Not required, but welcome
Minimum Age 62
Contact Information 919-384-2475 or 800-960-7737 for marketing and sales; 919-384-2000 for general inquiries; croasdailevillage.org
The Forest at Duke
2701 Pickett Rd., Durham
Celebrating more than 30 years of community, The Forest at Duke is a vibrant continuing care retirement community located in the heart of Durham. The Forest offers both an off-campus residency program and an on-campus residency program for independent living. On-campus living offers five floor plans for apartment living, six floor plans for cottages and individual homes, and 10 all-new apartment floor plans debuting in its 71-residence expansion, The Terraces. Each on-campus home provides spacious, contemporary living with access to a range of amenities. Both on- and off-campus living provides residents with myriad opportunities for fitness, wellness, socialization, entertainment, self-discovery and lifelong learning.
Entrance Fee Range $99,729 – $722,585
Monthly Fee Range $4,300 – $10,096
Contract Options Modified: Entrance fee and monthly payments cover housing, residential services such as meals and housekeeping, and some health-related services. Health-related services are provided at a greatly discounted rate and are free for a specified number of days.
Refund Options The Forest retains $10,000 of each person’s entry fee as a health care reserve. The remaining balance of the entry fee, the residence fee, is refundable based on the following: 2% of the residence fee accrues to The Forest at Duke each month. The refund decreases to zero over 50 months.
Medicare Certified Yes
Long-Term Care Insurance Not required, but welcome
Minimum Age 65 (co-applicant must be at least 62)
Contact Information 919-490-8000; forestduke.org
Galloway Ridge at Fearrington
3000 Galloway Ridge Rd., Pittsboro
This welcoming life plan community redefines senior living, offering a vibrant and fulfilling lifestyle where the next chapter is filled with possibility, and deep connections are fostered among residents and staff, creating a place that truly feels like home.
Nestled south of Chapel Hill, Galloway Ridge offers the perfect balance of small-town charm and big-city access. Adjacent to Fearrington Village, the 67-acre campus is surrounded by miles of scenic trails and sidewalks, with Jordan Lake and the Haw River a short drive away for outdoor enthusiasts.
Residents enjoy an array of amenities, including independent living apartments and villas, multiple dining venues, an art studio, a woodworking shop, a movie theater with stadium seating, a billiards room, and a variety of social and gathering spaces. The WellPlex – which features the Duke Center for Living, a 20,000-square-foot fitness center, Duke Primary Care and the Center for Physical Rehabilitation – supports an active and engaged lifestyle.
On-campus primary care services are available through both UNC Health and Duke Primary Care. For residents in need of additional support, Medicare-certified health care center The Arbor offers 96 private rooms for assisted living, memory care and skilled nursing, ensuring compassionate, high-quality care at every life stage.
Entrance Fee Range $275,000 – $1,802,000
Monthly Fee Range $4,415 – $10,277
Contract Options Life Care (Type A): For a one-time entrance fee and a monthly service fee, Galloway Ridge’s contract provides housing, dining, housekeeping, utilities, maintenance, wellness services, 24-hour security and a variety of resident amenities. If needed, unlimited assisted living, skilled nursing and memory care are available to residents. An additional meal fee applies when transitioning to higher levels of care.
Refund Options Option 1 (Traditional Entrance Fee): Entrance fee cost
is lower but is only refundable on a prorated basis for four years. Refund declines at a rate of 4% in the first month; 2% each additional month; after 4 years, no refund. Option 2 (75% Refundable Entrance Fee): Entrance fee cost is higher but is 75% refundable of original entrance fee cost.
Medicare Certified Yes
Long-Term Care Insurance Not required
Minimum Age 62
Contact Information 919-545-2647; gallowayridge.com
Glenaire
4000 Glenaire Circle, Cary
Entrance Fee Range $87,000 – $1,025,000
Monthly Fee Range $3,309 – $6,901
Contract Options Modified: Entrance fee and monthly payments cover housing, residential services such as meals and housekeeping, and some health-related services, which are provided at a subsidized rate or are free for a specified number of days.
Refund Options Option 1: Declining Refund – refund declines
at rate of 2% per month for 48 months. Option 2: 50% refundable. Option 3: 90% refundable.
Medicare Certified Yes
Long-Term Care Insurance Not required
Minimum Age 62 (co-applicant must be at least 55)
Contact Information 919-460-8095; glenaire.org
Pittsboro Christian Village
1825 East St., Pittsboro
Entrance Fee Range $3,500 or $30,000 - $155,000
Monthly Fee Range $1,925 - $5,525
Contract Options The Village offers a range of living options, including 26 freestanding Independent Living Homes, 40 Independent Living Apartments and a 40-bed Assisted Living facility. Fee for Service – Cottages, Patio Homes, Heritage Homes, Legacy Homes, Apartments. Included additional services, meals, activities, housekeeping, linen service, maintenance, available assisted living services.
Refund Options Option 1: Non-Refundable, Option 2: Declining refund over 36 months.
Medicare Certified No
Long-Term Care Insurance Yes
Minimum Age 55
Contact Information 919-542-3151; pcvnc.org
Searstone
17001 Searstone Dr., Cary
Entrance Fee Range $429,000 – $1,144,000
Monthly Fee Range $4,050 – $9,500; (second person fee is $1,910)
Contract Options Type A LifeCare contract. Residents pay a one-time LifeCare fee to cover costs of assisted living, skilled nursing and/or memory support. The LifeCare program has significant tax advantages and works well with long-term care policies.
Refund Options Entrance fee is 100% refundable
Medicare Certified No
Long-Term Care Insurance Yes
Minimum Age 62
Contact Information 919-234-0339; info@searstone.com; searstone.com
Springmoor
1500 Sawmill Rd., Raleigh
Entrance Fee/Monthly Fee Range Call for pricing
Contract Options Modified: Housing, residential services and some health-related services in exchange for entrance fee and monthly fee, which includes 30 days of free health care (with a maximum balance of 90 days), then is available at a discounted rate.
Refund Options Option 1: Life Occupancy – Residence & Care refund declines at 4% per month for 25 months, then no refund. Option 2: 50% Life Equity – refund declines at 2% per month for 25 months. The remaining 50% is returned to the resident or estate after residency is terminated and within 30 days of re-occupancy of the residential unit. Option 3: 100% Life Equity – 100% of the Residence & Care fee is returned to the resident or estate after residency is terminated. The refund is available, once residency is terminated, six years after initial move-in date, or 30 days after reoccupancy of the residential unit, if six years has passed.
Medicare Certified No
Long-Term Care Insurance Not required
Minimum Age 62
Contact Information 919-848-7080; springmoor.org
The Templeton of Cary
215 Brightmore Dr., Cary
Cary’s only rental Life Plan community offers 10 spacious floor plans with high-end finishes. The Templeton’s 15-acre campus couldn’t be more convenient to everything and includes an abundance of activities and wellness programs complete with a saltwater pool, spa, transportation and several culinary choices.
Entrance Fee Range N/A. Community fee is equal to one month’s rent.
Monthly Fee Range $4,995 – $10,380
Contract Options Rental community with 13-month lease, but can give 30-day notice at any time.
Medicare Certified Yes, for skilled nursing and rehab
Long-Term Care Insurance Yes
Minimum Age 62 (for couples, at least one spouse must be 62)
Contact Information 984-200-3688; thetempletonofcary.com
Twin Lakes Community
3701 Wade Coble Dr., Burlington
An intentional community filled with people who chose Twin Lakes for various reasons, but who all have one thing in common: the desire for a well-rounded life surrounded by others who are engaged and open to new experiences, people and ideas. More than 600 residents in independent living enjoy the 215-acre community and the amenities that make it home. In addition to the spacious campus, this is a unique CCRC: There’s no mandatory meal plan, and it offers comparably lower fees. Its neighborhoods are filled with people from diverse backgrounds and life experiences.
Entrance Fee Range $67,000 – $599,000
Monthly Fee Range $2,033 – $4,678
Contract Options Fee-for-service contract only
Refund Options 30-month declining refund and 50% refund available
Medicare Certified Yes
Long-Term Care Insurance Not required
Minimum Age 62 (co-applicant must be at least 62)
Contact Information 336-538-1572; twinlakescomm.org
The Village at Brookwood
1860 Brookwood Ave., Burlington
Entrance Fee Options start at $162,000
Monthly Fee Range $3,081-plus
Contract Options Option 1: LifeCare: Garden Homes & Apartments, bundled services, campus amenities, maintenance and guaranteed future health care provided in exchange for the entrance fee and monthly fee. When moving from one level of care to another, the monthly fee reflects a significant reduction of the daily per diem skilled nursing rate. Option 2: Fee for Service: Garden Homes & Apartments, bundled services, campus amenities, maintenance and guaranteed access to future health care are provided in exchange for entrance fee and monthly fee. Health-related services are provided at the per diem rate.
Refund Options A declining refund over 47 months
Medicare Certified Yes
Long-Term Care Insurance Not required; can help with costs related to assisted living, memory care, skilled care for Fee-for-Service or LifeCare plans.
Minimum Age 62 (co-applicant must be at least 55)
Contact Information 336-570-8440; villageatbrookwood.org
Post-Acute Continuing Care Systems
Hillcrest Convalescent Center
1417 W. Pettigrew St., Durham
The center has provided quality care – including after-hospital rehabilitation, 24/7 skilled nursing, home care or out-patient physical therapy – for more than 74 years. Contact the Raleigh or Durham location for more information about its services and signature Elegant Care.
Entrance Fee No deposit or application fee required
Monthly Fee Call for pricing
Contract Options All-inclusive monthly rate for short-term, long-term, assisted living or respite stays
Refund Options Pay only for the days spent, any unused daily rate refunded
Contact Information 919-286-7705; admissions@hillcrestnc.com; hillcrestnc.com
Hillcrest Raleigh at Crabtree
3830 Blue Ridge Rd., Raleigh
Entrance Fee No deposit or application fee required
Monthly Fee Call for pricing
Contract Options All-inclusive monthly rate for short-term, long-term or respite stays
Refund Options Pay only for the days spent, any unused daily rate refunded
Contact Information 919-781-4900; admissions@hillcrestraleighnc.com; hillcrestnc.com
Hillcrest Home Health of the Triangle
1000 Bear Cat Way, Ste. 104, Morrisville
Personal care, in-home support and companion care, and respite care.
Contact Information 919-468-1204; agencydir@hillcresthh.com
Hillcrest Physical Therapy & Wellness
4215 University Dr., Ste. B2, Durham
Physical therapy, specialty treatments and wellness programs.
Contact Information 919-627-6700; rehab.durham@hillcrestptw.com
Independent Senior Living
Bartlett Reserve
300 Meredith Dr., Durham
Entrance Fee $5,000
Monthly Fee Range $4,295 – $5,195
Contract Options Month-to-month; 60-day notice to leave
Medicare Certified Yes
Long-Term Care Insurance Accepted for personal care and veterans benefits
Minimum Age 55
Contact Information Karen Camara, 919-634-2197; marketing@bartlettreserve.com; bartlettreserve.com
Brier Pointe Retirement Community
5911 McCrimmon Pkwy., Morrisville
Entrance Fee One month security deposit (partially refundable)
Monthly Fee $4,300 – $7,100
Contract Options Month-to-month
Medicare Certified No
Long-Term Care Insurance Can be utilized for additional care
Contact Information 919-378-2902; rlcommunities.com
Cambridge Village of Apex
10000 Cambridge Village Loop, Apex
This all-inclusive independent senior living community invites its residents to live their best life among its luxurious and detail-oriented amenities. The Optimal Living community focuses on improving every aspect of its residents’ lives by providing a total wellness approach and offering a variety of spacious and comfortable apartment floor plans. With its unique hybrid community model, residents have access to on-site primary care, therapy, home health care and rehabilitation, creating a true age-in-place home.
Entrance Fee Based on unit type
Monthly Fee Range $3,200 – $6,800
Contract Options One-year or month-to-month lease options
Medicare Certified Medicare accepted through on-site physician and with WakeMed Physical Therapy and Occupational Therapy
Long-Term Care Insurance Accepted by on-site home health partner
Minimum Age 55
Contact Information Sales director, 919-363-2080; apexinfo@cvsliving.com; cvsliving.com/apex
Cambridge Village at Brier Creek
7901 TW Alexander Dr., Raleigh
Entrance Fee Range Equivalent to two month’s rent
Monthly Fee Range $4,135 – $11,995
Contract Options Month-to-month or one-year leases
Medicare Certified Medicare accepted through on-site physician and with WakeMed Physical Therapy and Occupational Therapy
Long-Term Care Insurance Accepted
Minimum Age 55
Contact Information Marketing Director, 919-737-7000;
briercreekinfo@cvsliving.com; cvsliving.com/brier-creek
Twin Rivers Independent Senior Living
25 S. Rectory St., Pittsboro
This 31-unit complex offers a friendly, social and communal atmosphere for independent older adults. Staff is on-call seven days a week, and residents have use of a communal kitchen, game room and other shared spaces.
Entrance Fee Call for current rates
Monthly Fee Range Call for current rates
Contract Options None. Requires 60-day notice prior to moving out
Medicare Certified No
Long-Term Care Insurance N/A
Minimum Age 65
Contact Information 919-545-0149; 919-637-7117;
paula@silver-thread.com; silver-thread.com
55+ Communities
Carolina Overlook
19 Dover Downs Dr., Clayton
Price Range of Houses From the mid-$300s
Number of Units 620, plus possible future growth across the street
Resale Status Resales available, but mostly new homes, selling in second phase
Average Size of Houses 1,223 – 3,000 square feet (adding villas that are townhome/duplex-style middle of the year)
Amenities Included Indoor pool, indoor hot tub, outdoor pool, fitness center, aerobics studio, varsity room, clubhouse, clubs, classes, lifestyle director, pickleball courts, lake with walking trails
Contact Information 919-899-1767; delwebb.com/carolinaoverlook
Carolina Preserve
115 Allforth Pl., Cary
Price Range of Houses From the $450s
Number of Units 1,360
Resale Status Resale only
Average Size of Houses 1,200 – 3,500 square feet
Amenities Included Tennis courts, bocce ball courts, indoor pool, outdoor pool, fitness center, clubhouse, pickleball court and access to Town of Cary Greenway and Amberly Clubhouse
Contact Information 919-467-7837; carolinapreserve.com
The Courtyards at Andrews Chapel
1007 Havenwood Ln., Durham
Showcases beautifully designed homes with single-level living and signature private garden courtyards. Homeowners enjoy a low-maintenance lifestyle in a close, connected community, with easy access to the best of the Triangle. It is a place where neighbors become friends, and homeowners can truly live well every day.
Number of Units 120
Resale Status Resale only
Average Size of Houses 1,500 – 4,000 square feet
Amenities Included Large clubhouse, outdoor swimming pool, fitness center, walking trails, pavilion
Sales Contact oscraleigh@epconcommunities.com; epconcommunities.com
The Courtyards at Lochmere
5100 Lilly Atkins Rd., Cary
Features thoughtfully designed homes that embrace single-level living and a lock-and-leave lifestyle. Open, light-filled floor plans and private outdoor living areas create the perfect setting for both everyday comfort and meaningful connection with family and friends.
Price Range of Houses From the upper $500s to the mid $600s
Number of Units 73
Resale Status Resale only
Average Size of Houses 1,519 – 2,930 square feet
Amenities Included Clubhouse, fireplace pavilion, fitness center, pool
Sales Contact oscraleigh@epconcommunities.com; epconcommunities.com
The Courtyards at Oak Grove
1702 Doc Nichols Rd., Durham
An Epcon community offering three distinct product lines: cottage homes, townhomes and luxury ranch homes, each thoughtfully designed for single-level living with first-floor owner suites; open, light-filled spaces; and private garden courtyards that make the outdoors a central part of each home. With HOA-maintained landscaping and a lock-and-leave lifestyle, homeowners enjoy less time on chores and more time with family, friends and the freedom to live well every day.
Price Range of Houses From the $500s
Number of Units 166
Resale Status New construction
Average Size of Houses 1,500 – 4,000 square feet
Amenities Included Clubhouse, outdoor pool, fitness center, walking trails, pickleball courts, dog park
Sales Contact 919-646-6612; oscraleigh@epconcommunities.com; epcondurham.com
The Courtyards at O’Kelly Chapel
1601 Vineyard Mist Dr., Cary
Showcases beautifully crafted home designs centered around private garden courtyards that make the outdoors a pivotal part of each home. With no more yard maintenance and more time to focus on family, travel and personal passions, homeowners enjoy a new chapter filled with freedom and flexibility.
Number of Units 149
Resale Status Resale only
Average Size of Houses 2,000 square feet
Amenities Included Clubhouse, outdoor pool, fitness center, walking trails, access to the American Tobacco Trail
Sales Contact oscraleigh@epconcommunities.com; epconcommunities.com
The Courtyards at Southpoint
1203 Cherob Ln., Durham
Offers a boutique lifestyle community with abundant natural light, open floor plans and first-floor owner suites designed for living comfortably now and in the future. Ideally located near shopping, dining and health care, it provides the convenience and connection today’s active adults are seeking.
Price Range of Houses From the $500s
Number of Units 161
Resale Status Resale only
The Courtyards on Farrington
5113 Farrington Rd., Durham
Brings together innovative home design and an active lifestyle community in a highly desirable location. With private garden courtyards, no steps and HOA-maintained grounds, homeowners enjoy a low-maintenance lifestyle that makes it easy to travel, gather with friends and fully embrace what matters most.
Price Range of Houses From the low $500s
Number of Units 64
Resale Status Resale only
Average Size of Houses 1,520 – 2,969 square feet
Amenities Included Clubhouse, outdoor pool, fitness center
Sales Contact 919-646-6612; oscraleigh@epconcommunities.com; epconcommunities.com
Del Webb at Chatham Park
1277 Sanford Rd., Pittsboro
Price Range of Houses From the upper $300s
Number of Units 837
Sale Status Coming soon – sales expected to start January 2027
Average Size of Houses 1,223 – 3,000 square feet
Amenities Included Pickleball courts, indoor pool, indoor hot tub, outdoor pool, fitness center, aerobics studio, food and beverage service, lifestyle director, clubs, classes and a 20,000-square-foot clubhouse.
Contact Information 919-921-8689; delwebb.com/chathampark
Inspire Briar Chapel
152 Market Chapel Rd., Pittsboro
Discover the perfect blend of comfort and community at this exclusive 55+ active adult community designed to elevate your healthy, active and social lifestyle – located just minutes south of Chapel Hill.
Price Range of Apartment Homes Starting at $1,830/month – $3,265/month
Number of Units 150
Average Size of Homes 688 – 1,262 square feet
Amenities Included Heated saltwater community pool, creative art center, fitness center, yoga studio, theater room, billiards room, salon, library, bocce ball court, putting green, community garden, pet park and spa, wellness center, outdoor courtyard, grilling stations, planned daily resident events, indoor mail & package concierge, concierge services, smoke-free community
Contact Information 919-503-3034; inspirebriarchapel.com
Overture Chapel Hill
5910 Farrington Rd., Chapel Hill
Price Range of Apartment Homes Starting at $1,670/month
Number of Units 184
Average Size of Houses 598 – 1,365 square feet
Amenities Included Heated outdoor pool, outdoor lounge and terrace, fire pit, elevator-accessible floors, happy hours and yappy hours, fitness center and yoga studio, grand club room with demonstration kitchen, coffee bar, movie theater, game room, craft room, on-site guest suite for friends and family, Lyft ride-sharing scheduling through management, 24-hour emergency maintenance and carports available.
Contact Information 919-907-2200; overturechapelhill.com
Cohousing Communities
Village Hearth Cohousing
4900 Buttonbush Dr., Durham
Price Range of Condos Mid-$300s to high-$400s
Number of Condos 28
Resale Status Resale only
Average Size of Condos 650 – 1,150 square feet
Amenities Included An intentional 55-plus community 15 minutes north of downtown Durham, created by and for LGBTQIA+ folks and allies. The community – which is set on 15 acres, complete with walking trails and community raised-bed gardens – is self-governed, making decisions cooperatively. Single-story accessible homes feature welcoming front porches, vaulted ceilings, large windows and skylights. The community-oriented, 2,600-square-foot common house includes a gourmet kitchen, dining/meeting room, craft room, laundry room, exercise room and guest suite.
Contact Information 984-219-6686;
connect@villagehearthcohousing.com; villagehearthcohousing.com