What Are the Housing Options for Retirement Years in Israel?

Many retirees choose to move to Israel to be closer to their children and grandchildren, strengthening family bonds and making gatherings more frequent and accessible. Others are drawn by the security of Israel’s world-class healthcare system and its expanding infrastructure for senior citizens. Beyond these practical advantages, Israel offers a unique blend of warmth, community, and cultural richness, where retirees can enjoy a vibrant social life, beautiful weather, and a deep sense of belonging.

If you’re considering retirement in Israel, you’ll find a range of high-quality housing options designed to accommodate different levels of independence, healthcare needs, and lifestyle preferences. Each option is tailored to ensure a fulfilling and secure retirement, allowing you to maintain your desired level of autonomy while accessing the care and amenities that best suit your needs.

Below, we break down the main housing options available, highlighting the benefits, challenges, costs, and financial considerations to help you find the right fit.

1. Staying in Your Private Home

For many retirees, remaining in their own home is the preferred option. It allows for complete independence, familiar surroundings, and continuity in daily life. This choice is ideal for those who enjoy their community, have family and friends nearby, and are still able to manage their home without difficulty.

However, homeownership in retirement comes with responsibilities. Maintenance, repairs, and general upkeep can become burdensome, especially as mobility decreases. Some homes may require modifications for accessibility, such as ramps, elevators, or bathroom renovations, which can add to the cost. Additionally, for those who eventually require assistance, hiring private caregivers may become necessary, increasing monthly expenses.

Financially, staying in a private home can be cost-effective if the property is already paid off, but ongoing expenses such as property taxes, utilities, and maintenance should be factored in. If care is needed, hiring a private caregiver can cost anywhere from ₪7,000 to ₪15,000 per month.

This option is best suited for those who are still active and independent and are comfortable managing the responsibilities of homeownership.

2. Independent Living Communities

For retirees who want a worry-free lifestyle without the burdens of home maintenance, independent living communities provide an excellent solution. Known in Hebrew as Diur Mugan, these communities offer private apartments within secure and well-maintained complexes. Residents enjoy a built-in social network, access to cultural and recreational activities, and optional services such as housekeeping, dining, and on-site medical support.

This option is ideal for seniors who are self-sufficient but want the convenience of a supportive environment. It eliminates concerns about security, property upkeep, and isolation while providing opportunities for social engagement and enrichment. Many communities cater specifically to English speakers, making the transition smoother for those making Aliyah later in life.

The financial structure of independent living communities varies. Some operate on a deposit-based model, requiring an initial payment ranging from ₪400,000 to ₪1.8 million. This deposit is partially refundable upon departure, with a portion depreciating over time. In addition to the deposit, residents pay a monthly maintenance fee of between ₪4,000 and ₪8,000, covering services such as security, facility upkeep, and communal activities.

For those who prefer more flexibility, a rental model is sometimes available, where no upfront deposit is required, but monthly fees range from ₪7,000 to ₪24,000, depending on the level of service and location.

This option is best suited for retirees who want to downsize and live in a vibrant community while maintaining their independence.

3. Assisted Living

Assisted living is designed for those who can still live independently but require some help with daily tasks such as dressing, bathing, or managing medications. These residences provide a combination of private apartments and shared spaces, ensuring that residents have both privacy and access to support when needed.

In assisted living communities, professional staff is available around the clock to provide personal care, medical supervision, and emergency assistance. Residents also benefit from structured activities, communal dining, and social opportunities, creating a balance between independence and support.

The cost of assisted living varies depending on the level of care required. Similar to independent living, some facilities operate on a deposit model, with an initial payment between ₪400,000 and ₪1.8 million and a monthly fee ranging from ₪8,000 to ₪15,000. Others offer a rental model with higher monthly costs but no upfront deposit.

This option is best suited for those who need some daily assistance but still want to maintain a sense of independence and community.

4. Nursing Homes

For retirees who require constant medical supervision and assistance, nursing homes provide full-time care in a structured environment. These facilities, known as Batei Avot Siudiyim, cater to seniors with serious health conditions or mobility limitations, offering skilled nursing, rehabilitation, and specialized care for chronic illnesses.

Nursing homes provide 24/7 medical care, ensuring that residents receive the support they need at all times. While they offer structured activities and communal programs, the level of independence is significantly lower than in independent or assisted living communities. Privacy may also be more limited, as residents often share spaces with others.

The cost of nursing home care varies significantly. Private nursing homes typically charge between ₪15,000 and ₪30,000 per month, depending on the level of care required. However, for those who qualify, government assistance through the Health Ministry’s Siyud Program can help subsidize costs, making nursing care more accessible to those with limited financial resources.

This option is best suited for seniors with serious medical conditions who require round-the-clock care and supervision.

Comparing Your Retirement Housing Options

Feature/ Housing Type	Private Home	Independent Living (Deposit)	Independent Living (Rental)	Assisted Living	Nursing Home
Independence Level	High	High	High	Moderate	Low
Medical Support	None to Moderate	Emergency care available	Emergency care available	Personal care assistance	24/7 medical care
Social Environment	Limited to community & family	Strong social community	Strong social community	Social & structured activities	Limited but structured
Estimated Monthly Cost	₪5,000 – 15,000	₪4,000 – 8,000	₪7,000 – 24,000	₪8,000 – 15,000	₪15,000 – 30,000
Initial Outlay	Varies (₪10,000 – 100,000 for modifications)	₪400,000 – 1.8 million (partially refundable)	No deposit, only monthly rent	Similar to Independent Living	Usually no deposit, but private facilities may require an entry fee

Choosing the Best Option

Deciding where to live in your retirement years depends on your health, lifestyle, budget, and personal preferences. If you value independence and familiarity, staying in your private home may be the best choice. If you want a hassle-free environment with a built-in social network, independent or assisted living might be the right fit. For those requiring full-time medical care, nursing homes provide essential support.

With a range of high-quality retirement options available across Israel, from Jerusalem and Tel Aviv to Modi’in and Raanana, you can find a place that meets your needs and allows you to enjoy your later years with comfort, security, and peace of mind.