Freedom and Security in a Magnificent Setting

Independent Living at The Culpeper offers everything you could need right at your fingertips — all in the prettiest town in Virginia as named by “Architectural Digest.”

Gorgeous Blue Ridge Mountain views. Fun and friendly neighbors. The freedom of an active, carefree lifestyle. New state-of-the-art fitness center and innovative wellness programs. Exceptional dining options and enriching amenities. A secure plan to maintain for the future.

To schedule a personal tour of one of the best retirement communities in central Virginia, please fill out the request form.


Maintenance-Free Cottage Living

Make the most of your retirement at the premier senior independent living community in Culpeper, Va. We offer 51 free-standing 2-bedroom cottages in a variety of styles on a 100-acre campus. Each beautiful retirement home provides a fully equipped kitchen, spacious living areas, utility room, carport or garage, and a screened-in porch for wonderful outdoor living space to make the most of the views. Some also include a den, finished basement, separate dining room and a deck for those looking for extra living space. Our cottages are pet-friendly, too!

Leave the headaches of housekeeping, home maintenance and lawn care behind. We take care of that for you. That way, you’ll have time to enjoy all the things you love and discover new passions. And just wait until you attend one of the many neighborhood block parties!

Best of all, we’re a Continuing Care Retirement Community. You’ll have the peace of mind of knowing that a full continuum of care is available right here on campus if the need ever arises.

Take a look at our programming calendar

Take a look at our health care programming calendar

Take a look at our Garden Level calendar

A senior man reads the newspaper at his senior living home

Cottage Floor Plans to Match Your Style

Choose any floor plan to enlarge.

The Culpeper offers multiple cottage floor plans with different layouts designed to fit your needs. The Keswick cottages are brick ranch style homes mostly built on one level though some have a basement. Many of the Keswick cottages have been renovated over the years so the floor plans vary a bit from cottage to cottage. The Waverly cottages are duplex-style cottages all built on one level and include garages.

The Keswick I
1,000 sq. ft.
2 bedrooms
The Keswick II
1,000 sq. ft.
2 bedrooms – finished basement
The Keswick III
1,133 sq. ft.
2 bedrooms
The Waverly
1,366 sq. ft.
2 bedrooms – duplex-style cottage

New Hillside Cottage Neighborhood Floor Plans

The exciting new Hillside Cottage neighborhood opened in 2021. The Hillside Cottages enjoy sweeping views of the Blue Ridge mountains, walking paths throughout the 100 acres community and access to the Overlook, an outdoor gathering and entertaining area which includes an outdoor kitchen, firepit, bathrooms and covered seating area with TV.

The Conway
1,262 sq. ft.
2 bedrooms
The Hughes
1,317 sq. ft.
2 bedrooms
The Rapidan
1,540 sq. ft.
2 bedrooms
The Rivanna
1,765 sq. ft.
2 bedrooms with Den

Contract Options

Our newest independent Living Cottages offer two financial options – a Fee-For-Service contract or a LifeCare Contract.

The Fee-For-Service contract requires payment of a one-time entrance fee and monthly service fee, each of which varies depending on the type of floor plan you select and the number of occupants.  You have guaranteed admittance to a higher level of care if or when the need arises and will pay the then-prevalent rates, less a 10% discount, for each level of care.

The LifeCare contract also requires payment of a higher one-time entrance fee and monthly service fee, each depending on the type of floor plan you select and the number of occupants.  You have guaranteed admittance to all higher levels of care if or when the need arises.  However, your monthly fee stays the same as the monthly fee in independent living plus two additional meals per day. LifeCare protects you from catastrophic long-term care costs by providing predictable monthly fees as your care needs change.

These contracts also include:

  • Use of all the community’s exceptional amenities and services
  • Attractive meal plans in community dining venues
  • Maintenance of residence, including housekeeping
  • All appliances
  • Water, sewer and trash service
  • Transportation for local medical, cultural and social trips

Additional expenses include utilities such as cable and phone, additional meals, dry cleaning, and health services.

Keswick and Waverly Cottages Offering Fee-for-Service Continuing Care Contract – Entrance Fees and Monthly Fees* Range from:

1 Resident:
Entrance Fee: Starting at $114,000
Monthly Fee: Starting at $2,844

2 Residents:
Entrance Fee: An additional $37,000
Monthly Fee: An additional $1,624

*LifeCare is not offered on Keswick & Waverly cottages

New Hillside Cottages Offering Both LifeCare and Fee-for-Service Continuing Care Contract options – Entrance Fees and Monthly Fees Range from:

1 Resident:
Entrance Fee: Starting at $341,000
Monthly Fee: Starting at 3,600

2 Residents:
Entrance Fee: An additional $44,000
Monthly Fee: An additional 1,786


Frequently Asked Questions

Many independent seniors choose a community simply to eliminate the burdens of owning a house — higher insurance, property taxes, repairs, yard work, shoveling snow and regular maintenance. Often the decision is driven by the desire to be in a social and active environment. It also provides levels of safety and security. Unlike living alone, at a community there’s always someone close by if an emergency arises.

As a not-for-profit organization, our mission and long-standing values govern every management and financial decision our executives, our associates and our dedicated Board of Trustees make. Instead of focusing on profits for shareholders, revenue generated is reinvested into the community, ensuring The Culpeper’s dedication to improving the lives of our residents, staff and community we serve.

LifeSpire Transfer Program

  • LifeSpire has a resident transfer program designed to allow residents to transfer between any LifeSpire community.
  • As needs change or as friends or family move the LifeSpire transfer program enables flexibility in where you live.
  • Transfers are dependent upon space being available at the destination community. For further details on the LifeSpire Transfer Program call us at 540-218-3747.