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South Carolina Senior Living Options & Resources

Senior Living in South Carolina: What You Need to Know

South Carolina is home to 963,569 residents aged 65 and older, representing 18.5% of the state's total population of 5.2 million. With a median age of 40.1 years and a steadily growing senior demographic, the Palmetto State has developed a robust senior living infrastructure featuring 67 communities spread across 18 cities. These communities offer a range of care options including independent living, assisted living, memory care, and skilled nursing facilities designed to meet diverse needs and preferences.

The geographic distribution of senior living communities in South Carolina reflects the state's population centers, with the highest concentration in Columbia (9 communities), Myrtle Beach (9 communities), and Greenville (6 communities). The Upstate region around Greenville and Spartanburg, the Midlands centered on Columbia, the coastal areas including Charleston and Myrtle Beach, and the Pee Dee region all offer accessible senior care options. This distribution ensures that families across the state can find quality care relatively close to home, whether in urban centers or smaller communities.

One of South Carolina's most appealing aspects for seniors is its affordability. At $5,015 per month, assisted living costs are significantly below the national average of $5,900, making the state an attractive option for retirees on fixed incomes. Nursing home care is equally competitive at $7,885 for a semi-private room compared to the national average of $9,277. The state's median household income of $66,818 provides a reasonable financial foundation for many families exploring senior care options.

South Carolina's healthcare infrastructure supports its senior population with major health systems including MUSC Health in Charleston, Prisma Health serving the Upstate and Midlands regions, and McLeod Health in the Pee Dee. The state's warm climate, coastal attractions, and lower cost of living have made it a popular retirement destination. South Carolina also offers Medicaid waiver programs that help eligible seniors access home and community-based services, providing alternatives to institutional care and allowing many older adults to age in place with appropriate support.

Types of Senior Living Care in South Carolina

Average Cost of Senior Care in South Carolina

South Carolina offers significantly more affordable senior care than the national average, with assisted living costing $5,015 monthly compared to the $5,900 national average—a savings of approximately 15%. Nursing home care is similarly economical at $7,885 for a semi-private room versus $9,277 nationally. Costs vary by region, with coastal areas like Charleston and Myrtle Beach typically commanding premium prices, while inland communities in the Midlands and Upstate offer the most competitive rates. South Carolina's Medicaid waiver programs provide financial assistance for eligible low-income seniors, and many communities offer private pay options with sliding scales to accommodate various budgets.

Assisted Living

Community-based residential care

$5,200

per month

$62,400/yr

17% below national avg

Nursing Home (Private Room)

24/7 skilled nursing care

$9,536

per month

$114,428/yr

20% below national avg

Nursing Home (Semi-Private)

Shared room nursing care

$8,958

per month

$107,493/yr

16% below national avg

Home Health Aide

In-home personal care

$5,720

per month

$68,640/yr

14% below national avg

Homemaker Services

In-home housekeeping & meals

$5,720

per month

$68,640/yr

11% below national avg

Adult Day Health Care

Daytime supervision & activities

$1,560

per month

$18,720/yr

43% below national avg

15% below national average

Frequently Asked Questions About Senior Living in South Carolina

How much does senior living cost in South Carolina?
Senior living in South Carolina is notably affordable, with assisted living averaging $5,015 per month—15% below the national average of $5,900. Nursing home care costs $7,885 monthly for a semi-private room compared to $9,277 nationally. Costs vary by location, with coastal communities typically charging more than inland areas. Home health aide services average $5,313 monthly for full-time care, providing another cost-effective option for many families.
How many senior living communities are in South Carolina?
South Carolina has 67 senior living communities distributed across 18 cities throughout the state. The largest concentrations are in Columbia and Myrtle Beach (9 communities each), Greenville (6 communities), and Simpsonville and Spartanburg (5 communities each). This distribution ensures that families across the Midlands, Upstate, Coastal, and Lake regions have accessible options for various levels of care including independent living, assisted living, memory care, and skilled nursing.
Does South Carolina Medicaid cover assisted living?
South Carolina Medicaid can help cover assisted living costs through the Community Choices Waiver program, which provides home and community-based services for eligible seniors who meet nursing home level-of-care criteria. This waiver can pay for certain services in assisted living residences when combined with the resident's other resources. Eligibility is based on financial criteria (income and assets) and functional needs assessment. Traditional Medicaid fully covers nursing home care for qualified individuals, and waiting lists may apply for waiver programs.
What are the best cities for senior living in South Carolina?
Columbia (9 communities) offers the most options with excellent healthcare access and central location. Myrtle Beach (9 communities) attracts retirees with coastal lifestyle and entertainment. Greenville (6 communities) provides Upstate charm with cultural amenities and mountain proximity. Charleston (3 communities plus surrounding Mount Pleasant and Summerville) combines historic appeal with world-class medical care at MUSC. Spartanburg and Simpsonville (5 communities each) offer affordable Upstate alternatives with growing amenities. Rock Hill (4 communities) provides Charlotte access at South Carolina prices.
What is the tax situation for retirees in South Carolina?
South Carolina offers favorable tax treatment for retirees, with no tax on Social Security benefits and a retirement income deduction of up to $10,000 (for those under 65) or $15,000 (for those 65 and older) on other retirement income including pensions and 401(k) distributions. Property taxes are relatively low, especially for owner-occupied homes, and the state offers additional exemptions for seniors. These tax advantages combined with lower cost of living make South Carolina financially attractive for retirement.
How is the healthcare system for seniors in South Carolina?
South Carolina's healthcare infrastructure includes major systems like Prisma Health (serving Upstate and Midlands), MUSC Health (Charleston and statewide), and McLeod Health (Pee Dee region), all offering specialized geriatric services. The state has numerous hospitals with dedicated senior care programs, cardiac centers, and cancer treatment facilities. While rural areas may have limited access, major population centers where most senior living communities are located provide excellent healthcare options, contributing to the state's appeal for retirees with ongoing medical needs.

Major Cities with Senior Living Options in South Carolina

Cities ranked by number of communities.

Myrtle Beach

Population 37,214
Seniors (65+) 22.3 %
Communities 9
Explore Myrtle Beach Senior Living

Columbia

Population 138,019
Seniors (65+) 10.7 %
Communities 9
Explore Columbia Senior Living

Greenville

Population 71,755
Seniors (65+) 14.5 %
Communities 6
Explore Greenville Senior Living

Spartanburg

Population 38,578
Seniors (65+) 17.5 %
Communities 5
Explore Spartanburg Senior Living

Simpsonville

Population 25,125
Seniors (65+) 14.5 %
Communities 5
Explore Simpsonville Senior Living

Aiken

Population 32,014
Seniors (65+) 27.3 %
Communities 4
Explore Aiken Senior Living

Charleston

Population 149,960
Seniors (65+) 16.3 %
Communities 4
Explore Charleston Senior Living
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All Communities in South Carolina

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