Thank you for all the thoughtful replies. My husband and I are not low income but we are not rich either. We are in an expensive area. My recollection was that the CCRC expected us to have assets around $1 million. This is just my recollection. I really appreciated Ginger123's insight about hiring housekeepers and care staff while staying in our house. In the case of dementia or a long illness, I think it is advantageous to own your own home if one of you has to go on Medicaid. You have to spend down all your assets to $300 but you are allowed your house. There are really a lot of concerns to think about.