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Tennessee Senior Living Options & Resources

Senior Living in Tennessee: What You Need to Know

Tennessee is home to 1,172,740 residents aged 65 and older, representing 16.8% of the state's total population of nearly 7 million. As the senior population continues to grow, Tennessee has developed a robust network of 557 senior living communities across 169 cities, offering assisted living, memory care, independent living, and skilled nursing options. The state's largest metro areas — Nashville, Knoxville, Memphis, and Chattanooga — provide the highest concentration of senior care facilities, with Knoxville and Nashville each hosting 12 communities.

Tennessee offers significant cost advantages compared to national averages, making it an attractive option for retirees and their families.

The state's healthcare infrastructure is anchored by world-renowned institutions including Vanderbilt University Medical Center in Nashville, the University of Tennessee Medical Center in Knoxville, and Baptist Memorial Hospital in Memphis. Tennessee's moderate climate features four distinct seasons without extreme cold, appealing to seniors who want seasonal variety without harsh winters. The state's rich musical heritage, outdoor recreation opportunities in the Great Smoky Mountains, and no state income tax on retirement income further enhance its appeal.

Tennessee's senior care landscape is supported by TennCare, the state's Medicaid program, which offers home and community-based services waivers to help eligible seniors remain in their communities. Communities are distributed throughout Middle Tennessee (Nashville, Franklin, Brentwood), East Tennessee (Knoxville, Chattanooga), and West Tennessee (Memphis, Jackson), providing families with options across diverse urban, suburban, and smaller city environments. With strong growth in cities like Franklin and Brentwood, Tennessee continues to expand its senior living infrastructure to meet increasing demand.

Types of Senior Living Care in Tennessee

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Cost of Senior Care in Tennessee

The median cost of assisted living in Tennessee was $5,358 a month in the 2024 survey, 9% below the national median of $5,900.

Median monthly cost by care type, Tennessee and the United States
Care type Tennessee U.S. median
Assisted living $5,358 9% below U.S. $5,900
Nursing home, semi-private room $9,125 2% below U.S. $9,277
Nursing home, private room $9,855 7% below U.S. $10,646
Home health aide $5,911 9% below U.S. $6,483
Adult day health care $1,842 15% below U.S. $2,167

Source: Genworth/CareScout Cost of Care Survey, 2024 (state median). Monthly figures are the annual median divided by 12. The survey does not cover independent living or memory care. Actual costs vary by community, location and level of care.

Frequently Asked Questions About Senior Living in Tennessee

How much does senior living cost in Tennessee?
The median cost of assisted living in Tennessee was $5,358 a month in the 2024 survey, 9% below the national median of $5,900. Source: Genworth/CareScout Cost of Care Survey, 2024 (state median).
How many senior living communities are in Tennessee?
Tennessee has 557 senior living communities listed on Ultimate Senior Resource, across 169 cities. The most listings are in Knoxville (27), Chattanooga (26) and Memphis (25).
Does Tennessee Medicaid cover assisted living?
Yes, Tennessee's Medicaid program (TennCare) can cover assisted living costs through the CHOICES program for eligible seniors. This Home and Community-Based Services (HCBS) waiver allows qualified individuals who meet nursing home level-of-care criteria to receive services in assisted living facilities instead of nursing homes. Eligibility is based on functional needs, income limits, and asset requirements. The program covers personal care services, and participants typically contribute their income toward the cost of room and board while TennCare pays for care services.
What are the best cities for senior living in Tennessee?
The best cities for senior living in Tennessee include Nashville (23 communities), offering world-class healthcare at Vanderbilt and vibrant cultural amenities; Knoxville (27 communities), combining University of Tennessee Medical Center excellence with mountain beauty and lower costs; Franklin (17 communities), known for historic charm and upscale options; Brentwood (13 communities), offering suburban tranquility near Nashville; Chattanooga (26 communities), featuring scenic riverfront living and outdoor recreation; and Memphis (25 communities), providing the state's most affordable options with rich cultural heritage. Each city offers unique advantages depending on lifestyle preferences and budget.
What is the climate like for seniors in Tennessee?
Tennessee enjoys a moderate four-season climate that appeals to many seniors. Winters are generally mild with occasional snow in higher elevations, while summers are warm and humid. Average temperatures range from the 30s-40s°F in winter to 80s-90s°F in summer. The state avoids extreme winter cold that can be hazardous for seniors, while the seasonal variation provides visual beauty and variety. East Tennessee near the mountains tends to be slightly cooler, while West Tennessee around Memphis experiences warmer, more humid conditions.
Does Tennessee tax retirement income?
No, Tennessee does not tax retirement income, making it a financially attractive state for seniors. The state has no income tax on wages, Social Security benefits, pension income, 401(k) distributions, or IRA withdrawals. Tennessee does have a sales tax and property taxes, but the absence of income tax on retirement income represents significant savings for retirees and helps offset the cost of senior living expenses, stretching retirement dollars further than in many other states.

Major Cities with Senior Living Options in Tennessee

Cities ranked by number of communities.

Knoxville

Population 193,721
Seniors (65+) 14.2 %
Communities 27
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Chattanooga

Population 182,832
Seniors (65+) 17.2 %
Communities 26
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Memphis

Population 629,063
Seniors (65+) 14.0 %
Communities 25
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Nashville

Communities 23
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Clarksville

Population 167,882
Seniors (65+) 8.8 %
Communities 17
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Cleveland

Population 47,725
Seniors (65+) 17.1 %
Communities 17
Explore Cleveland Senior Living

Franklin

Population 85,575
Seniors (65+) 13.9 %
Communities 17
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View all 169 cities

Cities in Tennessee

Adams
1 community
Adamsville
1 community
Alamo
1 community
Andersonville
1 community
Antioch
2 communities
Ardmore
1 community
Ashland City
2 communities
Athens
5 communities
Bartlett
8 communities
Bells
1 community
Blountville
3 communities
Bolivar
2 communities
Brentwood
13 communities
Bristol
2 communities
Brownsville
1 community
Bruceton
1 community
Byrdstown
1 community
Camden
1 community
Carthage
1 community
Celina
1 community
Centerville
1 community
Chattanooga
26 communities
Chuckey
1 community
Church Hill
2 communities
Clarksville
17 communities
Cleveland
17 communities
Clinton
4 communities
Collegedale
4 communities
Collierville
10 communities
Columbia
8 communities
Cookeville
8 communities
Copperhill
1 community
Cordova
5 communities
Covington
5 communities
Crossville
8 communities
Dandridge
1 community
Dayton
2 communities
Decatur
1 community
Decaturville
1 community
Dickson
2 communities
Dover
1 community
Dresden
2 communities
Dunlap
1 community
Dyer
1 community
Dyersburg
3 communities
East Ridge
2 communities
Elizabethton
6 communities
Erin
1 community
Erwin
5 communities
Etowah
2 communities
Fayetteville
2 communities
Franklin
17 communities
Gainesboro
1 community
Gallatin
12 communities
Gallaway
1 community
Germantown
6 communities
Goodlettsville
3 communities
Gray
1 community
Greeneville
7 communities
Harriman
1 community
Harrogate
1 community
Hartsville
1 community
Henderson
3 communities
Hendersonville
9 communities
Hermitage
1 community
Hixson
2 communities
Hohenwald
1 community
Humboldt
3 communities
Huntingdon
2 communities
Huntsville
1 community
Huron
1 community
Jackson
15 communities
Jamestown
1 community
Jefferson City
3 communities
Jellico
1 community
Johnson City
11 communities
Jonesborough
1 community
Kingsport
9 communities
Knoxville
27 communities
La Vergne
1 community
Lafayette
1 community
Lafollette
1 community
LaFollette
1 community
Lawrenceburg
3 communities
Lebanon
4 communities
Lenoir City
2 communities
Lewisburg
2 communities
Lexington
4 communities
Linden
1 community
Livingston
1 community
Loudon
2 communities
Louisville
1 community
Lynchburg
1 community
Madison
2 communities
Madisonville
1 community
Manchester
4 communities
Martin
3 communities
Maryville
8 communities
Maynardville
1 community
Mc Kenzie
2 communities
Mcminnville
2 communities
McMinnville
1 community
Medina
1 community
Memphis
25 communities
Milan
2 communities
Millington
1 community
Monteagle
1 community
Monterey
1 community
Morristown
3 communities
Mount Juliet
1 community
Mount Pleasant
1 community
Mountain City
1 community
Mt. Juliet
1 community
Murfreesboro
9 communities
Nashville
23 communities
New Tazewell
1 community
Newport
3 communities
Oak Ridge
2 communities
Old Hickory
1 community
Oneida
1 community
Ooltewah
3 communities
Paris
4 communities
Parsons
1 community
Pigeon Forge
1 community
Pikeville
1 community
Pleasant Hill
1 community
Portland
1 community
Powell
3 communities
Pulaski
2 communities
Puryear
1 community
Red Boiling Springs
1 community
Ridgely
1 community
Ripley
3 communities
Roan Mountain
1 community
Rockwood
1 community
Rocky Top
1 community
Rogersville
1 community
Rutledge
1 community
Savannah
6 communities
Selmer
1 community
Sevierville
3 communities
Shelbyville
2 communities
Signal Mountain
1 community
Smithville
1 community
Smyrna
4 communities
Sneedville
1 community
Soddy-daisy
1 community
Somerville
1 community
South Pittsburg
1 community
Sparta
2 communities
Spencer
1 community
Spring City
1 community
Spring Hill
5 communities
Springfield
4 communities
Sweetwater
2 communities
Tazewell
1 community
Tiptonville
1 community
Trenton
1 community
Tullahoma
4 communities
Union City
4 communities
Wartburg
1 community
Waverly
2 communities
Waynesboro
1 community
Westmoreland
1 community
White House
2 communities
White Pine
1 community
Whites Creek
1 community
Winchester
3 communities
Woodbury
1 community

All Communities in Tennessee

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