How Much Does It Cost to Live in a Retirement Community in Kerala?

Retirement is the perfect time to slow down, take care of your health, and enjoy life the way you’ve always wanted. In Kerala, more and more seniors are exploring retirement communities where they can live comfortably, stay active, and have access to care and companionship. One of the most common questions that comes up is: How much will it actually cost to live in such a community?

Let’s take a closer look.

One-Time Investment: Buying a Home

Most retirement communities in Kerala offer villas or apartments that you can buy. The cost depends on factors like location, size, and the type of facilities offered. Small apartments or villas typically range from ₹30 lakh to ₹60 lakh, while premium villas can cost anywhere between ₹65 lakh and ₹1.2 crore. Luxury eco-friendly villas with additional amenities may exceed ₹1.5 crore. For instance, Swastham Eco Village in Kozhikode offers villas designed specifically for seniors. These homes focus on wellness, comfort, and eco-friendly living. Prices vary depending on whether you choose Silver, Gold, or Platinum villas, but each option ensures long-term comfort and a community-oriented lifestyle.

Monthly Maintenance Charges

Owning a home in a retirement community comes with a monthly maintenance fee. This fee usually covers essential services such as housekeeping, security, gardening, recreation, and basic healthcare support. For basic communities, the maintenance fee typically ranges from ₹5,000 to ₹10,000 per month. Premium communities may charge ₹12,000 to ₹20,000 per month, while luxury senior living communities can cost ₹25,000 or more monthly. These charges allow residents to enjoy a hassle-free life without worrying about daily chores or upkeep.

Healthcare and Wellness

Healthcare is one of the most important considerations for senior living. Most retirement communities in Kerala provide access to on-call doctors and nurses, connections with local hospitals, physiotherapy, wellness programs, and emergency support. Basic healthcare is often included in the monthly fees, but specialized treatments such as physiotherapy, personal nursing, or ayurvedic sessions may incur extra charges, usually between ₹1,000 and ₹5,000 per session.

Food and Dining

Many retirement communities offer dining options or meal plans for their residents. Some also allow residents to cook in their own kitchens if they prefer. Meal packages typically cost between ₹6,000 and ₹12,000 per person per month, while those who prefer self-cooking only need to cover grocery expenses. At Swastham Eco Village, residents can enjoy fresh organic produce grown in the community’s own gardens, which not only supports health but also promotes sustainable living.

Lifestyle and Activities

Living in a retirement community is about more than just having a home; it’s about staying active, socially engaged, and mentally stimulated. Communities in Kerala often provide yoga and meditation classes, cultural programs and festival celebrations, group outings and trips, as well as clubs and hobby groups. Most of these activities are included in the monthly fees, though special workshops or trips might have additional costs.

Hidden or Long-Term Costs

When considering a retirement community, it’s important to keep in mind the various costs involved. Some communities require a corpus fund or deposit, which can range from ₹2 lakh to ₹10 lakh depending on the facilities and policies. In addition, there may be resale or exit fees if you choose to move out, and certain medical emergencies might not be fully covered by the community. The cost of living in a retirement community in Kerala typically ranges from ₹40 lakh to ₹1.5 crore for the home itself, with monthly expenses of ₹10,000 to ₹25,000 for services and amenities. These costs ensure access to comfort, security, and a lifestyle tailored to the needs of seniors.

For those who value wellness, nature, and eco-friendly living, Swastham Eco Village in Kozhikode stands out as an excellent choice. With its focus on Ayurveda, organic food, and a supportive, close-knit community, it offers more than just a place to stay — it provides a lifestyle that nurtures health, peace, and happiness. Here, seniors can enjoy their golden years surrounded by Kerala’s natural beauty, while being part of a community that shares their values and enhances their quality of life.