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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.
Everything from the level of care and amenities to room size and zip code can drive the cost of assisted living upâor down. The average monthly cost of assisted living in the U.S. is roughly $3,600 a month, or about $43,500, according to Genworthâs latest Cost of Care Survey released in June 2016. That national average was up about 3.57 percent from a national average of $42,000 per year in 2014, according to Genworth's data.