This is the real 2026 picture for ccrc entry fees explained in Silver Spring, Montgomery County, MD - real local numbers and how families here actually pay, not a national average.
The local picture in Silver Spring
Silver Spring offers a broader mix than Bethesda - high-rise independent living downtown alongside smaller assisted living homes in Forest Glen and Woodside.
Silver Spring sits in Montgomery County, MD, part of Maryland. Nearby hospitals include Holy Cross Hospital, which matters for discharge planning and staying close to a parent's physicians. Families here commonly focus on areas such as Downtown Silver Spring, Forest Glen, Woodside, Four Corners. Silver Spring typically prices a step below Bethesda for a comparable level of care.
CCRCs: what you're really paying for
A Continuing Care Retirement Community spans independent living, assisted living, and skilled nursing on one campus, so a resident can move between levels of care without changing addresses.
In Maryland, this level of care is regulated under an Assisted Living Program license under COMAR 10.07.14, rated Level 1, 2, or 3 according to how much hands-on care the program is approved to provide, overseen by the Maryland Office of Health Care Quality (OHCQ). A typical monthly range is $4,500 to $8,500 a month plus a substantial entrance fee.
Walk past the lobby and check these instead:
- the entrance-fee refund terms (Type A, B, or C contract)
- the operator's financial health and reserve ratio
- guaranteed access to higher levels of care, and at what price
Sources Silver Spring families combine
Most families layer several sources rather than leaning on one. Savings and Social Security usually lead the way, with a long-term-care policy - if there is one - behind them. Wartime veterans and surviving spouses should check VA Aid & Attendance. And Maryland Medical Assistance can fund care services - though not room and board - for seniors who meet the functional and financial tests, through the Community Options (CO) Waiver and Community First Choice (CFC), with the Senior Assisted Living Group Home Subsidy available to some lower-income assisted living residents. Silver Spring typically prices a step below Bethesda for a comparable level of care.
A free advisor can sort out which of these your family actually qualifies for, and which Silver Spring-area communities accept them.
CCRC Entry Fees Explained: what actually drives the number
CCRCs layer a large entrance fee - refundable or not, depending on the contract - on top of the monthly rate; the contract type (A, B, or C) determines both the refund and how much future care is guaranteed.
Your next move
You don't have to untangle this alone. Send a free DC Senior Advisor advisor a note and we'll match you to one to three vetted options in the right jurisdiction.
