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How Our Fee Structure Works
Saratoga Retirement Community has carefully structured its fees so residents receive the most value for their money. Here is a step-by-step description of how the fee structure for a Continuing Care Agreement works:
The first step to becoming a resident at SRC is to pay a $1,000 application processing fee, which will put your name on our applicant list and is 100% refundable should you not qualify for residency or decide not to move to SRC before you sign a Continuing Care Agreement.
Once you’ve selected a residence, you will be asked to make a deposit toward your entrance fee that is 10% of the total fee, depending on the residence you choose. The remaining balance is due 60 days after the 10% deposit is made.
The entrance fee is a one-time payment when you first become a resident at Saratoga Retirement Community. The amount depends on the residence and type of entrance fee plan you choose. We offer two types of plans: the traditional, which includes a 36-month pro-rated refund; and the 80% returnable, which requires a higher entrance fee but provides you or your estate with a refund past the 36-month period.
The monthly fee is an ongoing payment each month. This amount depends on the size and style of residence you choose and whether you live there alone. The IRS may allow a portion of your monthly fee to be deductible as a medical expense (we encourage you to check with your personal tax advisor regarding possible tax deductions related to residency). As you move through the continuum of care at Saratoga, your monthly fee will be adjusted accordingly.
The following services and amenities are included with your monthly fee:
- Expanded basic cable TV service
- General maintenance and repair of all apartments, cottages, buildings, and common areas
- General upkeep of grounds
- Educational seminars that explore different aspects of physical, emotional, and spiritual wholeness
- Planned social, recreational, educational, cultural, and spiritual programs
- 24-hour security
- 24-hour wireless emergency response systems in all apartments and cottages
- On-site fitness center with strength training equipment
- Exercise classes, including aqua-aerobics and tai chi
- Indoor saline pool & spa
- 30 meals per month in our on-site dining venues (additional meals may be purchased)
- Weekly flat-linen laundry service
- Housekeeping services every other week
- Scheduled transportation

- Bocce ball court
- Woodworking shop and art studio
- Beauty and hair salons
- Dog run
Financial Benefits of the Continuing Care Agreement
Through the provisions in your Continuing Care Agreement, the entrance fee and monthly fee function together to help you save money on healthcare services over time.
- Complimentary temporary short-term stays in our on-site Skilled Nursing and Rehabilitation Center
- Long-term healthcare services including Assisted Living and Memory Support at below-market rates
- Potential tax breaks for medical expenses (check with your tax advisor)
Independent Living Fee Schedule
One-Bedroom Apartments
Traditional entrance fees range from $402,370 to $521,650
80% returnable entrance fees range from $625,915 to $899,335
Monthly fees range from $4,502 to $6,565
Two-Bedroom Apartments / Two Bedroom + Den
Traditional entrance fees range from $574,790 to $891,815
80% returnable entrance fees range from $987,650 to $1,490,085
Monthly fees range from $7,237 to $9,949
Two-Bedroom Cottages
Traditional entrance fees range from $896,425 to $1,093,825
80% returnable entrance fees start at $1,520,020 - $1,890,985
Monthly fees range from $8,870 to $10,976
Second person fee is $1,998
*Traditional entrance fee contracts are limited and subject to availability.
These fees are effective April 1, 2023. All fees are subject to change.