If you are looking at retirement options in Oakland County, Troy often sits right at the top of the list, and for good reason. It’s one of those rare places that manages to feel like a quiet, safe suburb while being right in the middle of everything. Whether you are an adult child helping a parent make a move or a senior looking to downsize yourself, Troy offers a blend of stability and convenience that is hard to beat.
Retiring here means you are minutes away from world-class healthcare at Corewell Health (formerly Beaumont), premier shopping at Somerset, and some of the safest neighborhoods in Michigan. However, navigating the “senior living” market can be confusing because the terminology overlaps.
Before we look at specific buildings, it helps to understand the three main buckets you’ll see in Troy:
- Active Adult (Ownership): You buy a condo or home. No care is provided; it’s just housing.
- Independent Living (Rental): You rent an apartment in a community that offers dining and housekeeping, but no medical care.
- Assisted Living (Rental): You rent an apartment, but the fee includes help with daily tasks like medication, bathing, or dressing.
Let’s explore what life looks like here and break down the specific communities available.
Senior Lifestyle & Amenities in Troy
One of the biggest selling points for Troy isn’t just the housing; it’s the infrastructure built around the senior community. If you move here, you aren’t isolated. The city has invested heavily in keeping seniors active and connected.
For social connection and staying active, the Troy Community Center on Livernois Road is the local hub. Their 50+ program is incredibly robust, featuring the “Friends of Troy Seniors” group, daily lunch programs, and everything from computer classes to pickleball. It’s a great way to make friends without feeling like you are in a “facility.”
Here is a quick look at the local amenities that matter most:
- Healthcare Access: You are right next to Corewell Health Beaumont Troy Hospital on Dequindre Road. This is a Level II Trauma Center and a major medical hub, meaning you won’t have to travel far for specialists or emergencies.
- Shopping & Exercise: The Somerset Collection isn’t just for luxury shopping; it hosts a very popular “Mall Walkers” program. It’s a safe, climate-controlled way to get your steps in during Michigan winters.
- Nature: If you prefer fresh air, the Stage Nature Center offers accessible outdoor trails that are easy to navigate, perfect for a gentle walk with grandkids.
- Getting Around: If driving becomes an issue later on, Troy offers community transit options and senior ride services to help get you to appointments or the grocery store.
Top Independent Living Communities (Rentals)
Independent living is often the sweet spot for seniors who are completely capable of caring for themselves but are tired of home maintenance. Imagine trading property taxes, snow shoveling, and gutter cleaning for a monthly rent check that covers your dinner and housekeeping.
American House Troy (Independent Living)
Located on Grand Haven Drive, this community is a staple in the area. It is important to distinguish this specific location from others nearby—this is the “Troy” location, which focuses specifically on Independent Living.
They offer villa-style options which are fantastic if you want to maintain the feeling of a private home without the upkeep. The lifestyle here is about freedom. You get dining services and a full social calendar, but you aren’t paying for care you don’t need yet. It’s a popular choice for those transitioning out of a family home who want to stay in the area.
Note: You generally need to budget starting around $3,500 per month for this tier of living in Troy.
Best Assisted Living & Memory Care in Troy
When safety becomes a concern—perhaps due to mobility issues or memory loss—Assisted Living provides 24/7 peace of mind. In these communities, the monthly fee covers your room, board, and a specific level of personal care.
Sunrise of Troy
You can’t miss this building on Crooks Road; it looks like a large Victorian mansion rather than a medical facility. Sunrise is well-regarded for its “Reminiscence” neighborhood, which is their specialized memory care program. The environment is designed to be homelike and comforting, avoiding the clinical feel that many families worry about.
Brookdale Troy
Located on Northfield Parkway, Brookdale is another strong option. They utilize “Personalized Assisted Living” plans, which means you only pay for the specific services you need. A big plus for many seniors here is their pet-friendly policy. For many people, bringing their dog or cat is a non-negotiable dealbreaker, and Brookdale accommodates that well.
American House Somerset
This is where the names can get tricky. Located on Livernois Road (distinct from the Grand Haven Drive location mentioned earlier), American House Somerset offers higher levels of care, including Assisted Living and Memory Care. If you like the American House brand but need daily support with medication or bathing, this is the location to tour.
Buying a Home: Condos vs. 55+ Active Adult Communities
We often hear from clients who say, “I want to buy a house in a 55+ community in Troy.” This can be a frustrating search because, truthfully, Troy does not have many large-scale, deed-restricted “55+ only” subdivisions like you might find in Florida or Arizona.
Most active adults in Troy end up buying low-maintenance condos rather than age-restricted homes.
- Where to Look: Focus your search on the condo developments near the Somerset area or along the Long Lake and Crooks corridors. You can find ranch-style condos (one-story living) that offer the “lock and leave” lifestyle without being in a strictly senior complex.
- Luxury Alternatives: If you are specifically looking for a high-end, buy-in community with strict age requirements and luxury amenities, you might need to look just outside Troy borders. The Baldwin in nearby Birmingham is a common alternative for those seeking an equity-based retirement solution.
- The Trade-off: Buying allows you to keep building equity, which is great for your estate. However, unlike the rental communities, you are still responsible for property taxes, appliances breaking, and HOA fees.
Understanding Costs: What to Expect in Troy, MI
Budgeting for senior living can be a shock if you haven’t looked at the numbers recently. Troy is an affluent area; it is generally more affordable than Birmingham or Bloomfield Hills, but it commands a premium compared to communities further east in Macomb County.
Here is a realistic breakdown of monthly costs you should expect for 2025:
- Independent Living: $3,500 – $4,500 per month.
- Assisted Living: $4,200 – $5,500 per month (This usually includes base rent plus care fees).
- Memory Care: $6,000+ per month.
A Note on Funding: Many families assume Medicare will cover these costs. It is important to know that Medicare does not pay for room and board in these communities. Most residents pay via private funds (proceeds from selling a home), Long-Term Care Insurance, or, for eligible veterans, the VA Aid & Attendance benefit.
Frequently Asked Questions
What is the average cost of assisted living in Troy, MI?
You should plan on a baseline of approximately $4,200 per month. However, this number can rise depending on the level of care required (such as medication management or bathing assistance), so the final bill often lands closer to $5,000.
Does Troy, MI have any 55+ communities for sale?
Troy has very few deed-restricted “55+ only” subdivisions for purchase. Most seniors looking to buy choose low-maintenance ranch condos in standard neighborhoods, which offer a similar lifestyle without the age restriction.
Is Corewell Health (Beaumont) accessible from these communities?
Yes, Corewell Health Beaumont Troy Hospital is centrally located on Dequindre Road. Most of the major senior communities in Troy are within a 5 to 10-minute drive of the hospital campus.
Are pets allowed in Troy senior living communities?
Generally, yes. Communities like Brookdale Troy and American House are known for being pet-friendly, though there may be size restrictions or a one-time pet fee. Always ask for the specific pet policy during your tour.
