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In all, this means the average American retiree (or those 65 and older) is spending about $3,700 per month -- or about $44,600 per year. Using the 4% rule, that would mean a nest egg of over $1 million would be needed to finance the average lifestyle.
Your actual senior living costs may vary depending on your personal situation. The states with the most expensive average monthly independent living costs are: 1  Massachusetts - $4,002. 2  New York - $3,895.3  New Hampshire - $3,537.dditional costs typically include a non-refundable entrance or community fee, which ranges from $750 to $1,500 on average, and covers administrative and apartment renovation expenses. A second-person fee, typically between $500 and $1,000 per month, will also be assessed for couples. Fees are also charged for: