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If you are considering a retirement community in Ontario for yourself or a loved one, you will likely prioritize factors like location, lifestyle, comfort, and services/care offered.

That said, you also need to estimate the average retirement community living costs. Visit this page to consult the experts who would help you calculate the cost of living in retirement communities in Ontario.

When you plan to reside in a retirement community, you need to consider expenses like accommodation, maintenance, and food. In addition, Ontario has a wide range of community living facilities. Accordingly, the cost of living would vary, depending on the level of care required.

The retirement community cost may range from $1,500 to $6,000 per month.

What Is The Average Cost Of Living In Retirement Communities In Ontario?

The CMHC’s Senior Housing Report, published in 2018, reveals that renting a housing space for senior citizens would cost you $3,038 a month in Ontario. It should be noted that most retirement communities in Ontario offer better grades of amenities compared to other provinces. This rent often includes three meals per day, on-site medical care, nursing services, and a variety of additional amenities and services.

However, the pricing can be a little higher if you opt for additional support or facilities. These include dressing, housekeeping, transfers, medication administration, bathing, etc. Including all these expenses, the community living cost might scale up to $4,500 a month.

Calculating The Average Retirement Community Living Cost In Ontario

1. Security And Accommodations

Residing in an established retirement community in Ontario, you can get all your expenses comprehensively covered. This necessarily covers the expenses for security and accommodations.

Most reputed retirement communities have highly trained staff to ensure peace of mind and care for residents. On average, you can manage the cost of security, maintenance, and accommodations for around $2,341.

2. Care And Food

Care and food account for a significant chunk of the retirement community living expenses. After all, prioritizing proper nourishment and having meals tailored to residents’ preferences and dietary restrictions are imperative.

Further, reputed retirement communities ensure round-the-clock access to cafes for fresh fruits, coffee, and tea. With adequately maintained and appealing dining areas, you can maintain your desired standard of lifestyle.

3. Transportation And Social Events

Transportation and social event costs are also included in retirement home living fees. When compared to average monthly household expenses, older adults tend to spend about $180 a month on transportation and $66 per month on social events.

Having an avid social life is a significant part of residing in a retirement community. A fulfilling lifestyle involves activities that residents enjoy partaking in together like card tournaments, happy hours, musical entertainment, and movie nights.

You can also enjoy outings such as museums, casinos, and shopping in some retirement communities.

Other Factors Influencing The Cost Of Living

1. The Lifestyle You Enjoy

In most retirement homes in Ontario, you can customize the lifestyle, choosing the support and services you would need. These lifestyles and types of care include assisted living, independent living, and memory care. However, you might not come across all these types of lifestyles in every retirement community.

Some of the residences include services for medication administration, dressing, bathing, etc. You can also get mealtime assistance if needed. Some places provide extra care, such as transferring assistance from bed to wheelchair or walker. Therefore, the cost would escalate with an increase in the care needs.

2. Care Plans

Basically, you will find two types of care plans, although several combinations and variations are also available. These are:

  • All-inclusive care plans
  • A-la-carte care plans

All-inclusive care plans involve care packages for a particular type of lifestyle. For instance, a specific plan may include assistance for dressing, bathing, mobility, personal hygiene, and medical administration.

A-la-carte care plans, on the other hand, involve a greater degree of customization. Based on the level of care, such as assisted living, independent living, and memory care, you will find specific additional support options to choose from. Under these plans, you can opt for specific services each month or day, as per your requirements.

3. Other Care Costs

The average monthly payment would include all the regular expenses. However, there might be some pay-per-use facilities that you might need. These involve private physiotherapy, manicures, visiting clinics for hearing or dental aid, foot care, walker maintenance, haircuts, etc.


Depending on your finances and requirements, there are several options for retirement communities that can fit your needs or the needs of a loved one.