PLANNING GUIDE

Home & Housing Options for Solo Agers

Most falls happen in the bathroom. Most access problems happen at the front door. A few targeted changes now can keep you independent for years — and cost far less than an emergency move later.

Why This Matters

Aging-in-place modifications typically run $3,000 to $15,000 for targeted upgrades. A single year in a nursing home averages over $111,000. Proactive changes protect your independence and your budget.

Top 5 High-Impact Home Changes

These five modifications deliver the most safety improvement for the money. Start with what you can afford now and build from there.

1

Grab bars in the bathroom (toilet and shower)

Install sturdy, properly anchored bars near the toilet and inside the shower/tub area for support when sitting, standing, or stepping.

$90 – $350 per bar
2

Non-slip mats and strips

Place non-slip mats inside and outside the tub/shower, and add adhesive strips to stairs and high-traffic tile areas.

$25 – $100, install immediately
3

Handheld showerhead

Replace your fixed showerhead with a handheld model on an adjustable slide bar — makes seated bathing possible and cleaning easier.

$50 – $250 installed
4

Lever door handles throughout the home

Swap out round doorknobs for lever-style handles that are easier to grip with arthritic hands or reduced strength.

$350 – $800 for a full home
5

Curbless or walk-in shower conversion

The biggest-ticket item with the biggest long-term payoff. Eliminates the dangerous step over a tub wall and accommodates a shower chair or wheelchair.

$2,500 – $9,000

Beyond the Home: Other Housing Paths

Staying in place isn't the only option, and it doesn't have to be an all-or-nothing decision:

  • Co-housing or home sharing

    Built-in company and shared costs. Match with compatible housemates through formal programs or personal networks.

  • Village networks

    Neighbor-support communities in 285+ US locations that provide vetted services, social events, and a built-in safety net.

  • Continuing Care Retirement Communities (CCRCs)

    A plan that can grow with your needs — from independent living to skilled nursing — worth researching before you need it.

Financial Help Is Available

Several programs help cover modification costs. You don't have to pay for everything out of pocket:

  • Area Agency on Aging grants — local funding for safety modifications, available in most counties
  • USDA Section 504 — grants and loans for rural, low-income homeowners
  • Medicaid HCBS waivers — Home & Community-Based Services can cover modifications in many states
  • VA benefits — eligible veterans can access home modification grants through the VA

Contact your local Area Agency on Aging to learn which programs you qualify for in your area.

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