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Independent living

Luther Oaks Apartments

Independent living in Norwalk, Ohio

Checked November 2, 2026

Provider details
Address36 Executive Dr, Norwalk, OH 44857
CityNorwalk
StateOhio
Phone419-663-3529
Websitehttps://genacrosslutheranservices.org
Age requirement62 and older
Age rule basisSection 202 is HUD's housing program for elderly households; eligibility requires the head of household to be age 62 or older.
Apartments45
Housing programHUD Section 8 (Section 202 property)
Income restrictedYes

Luther Oaks is an affordable senior apartment community in Norwalk with 44 ground-level studio and one-bedroom homes, each with a patio, just blocks from Fisher-Titus Medical Center. Rent is based on income — residents pay 30 percent of their adjusted income — and utilities are included, along with maintenance, lawn care, and snow removal. An on-site service coordinator can help arrange meals, home health care, and housekeeping so residents can keep living independently.

More about this provider

Genacross Lutheran Services describes Luther Oaks as 'an attractive, affordable apartment community primarily for individuals age 62 years or older' in the south end of Norwalk, off U.S. Route 250, blocks from Fisher-Titus Medical Center — a 44-unit community offering 'a home with utilities and services at one reasonable rate.'
Services and programsMany services are provided to residents at no extra cost, including interior maintenance (electrical, heating, air conditioning, plumbing) and exterior maintenance (lawn care, snow and trash removal). Social opportunities include card parties, bingo, Bible studies, lunch outings and monthly birthday parties. An on-site service coordinator assists residents in procuring services such as meals, home health care, and housekeeping. Transportation is available through local senior transportation services. Features: studio (approx. 415 sq. ft.) and one-bedroom apartments (approx. 520 sq. ft.), ground-level with patio, community room and kitchen, laundry, non-smoking campus, small pets welcome.
Who it servesPrimarily individuals age 62 years or older; 10 percent of the apartments are for individuals 18 years or older who have a disability and need the features of an accessible unit. Eligibility is designed for extremely low-income (at or below 30% of median family income) and very low-income (at or below 50%) individuals. Seniors of all faiths are welcome.
Payment types it statesResidents pay 30 percent of adjusted gross annual income. All utilities except telephone and cable TV are included in the rent. A security deposit equal to one month's rent is required before moving in.
Visiting and contact details36 Executive Drive, Norwalk, OH 44857; P: 419.663.3529, F: 419.660.1048; Jessica Welty, Service Coordinator, 419.668.1039.
Websitehttps://genacrosslutheranservices.org

Who pays for independent living?

What this care costs, and who pays — Medicare, Medicaid, or the family — is covered in these guides:

Independent living guide · Paying for care

Common questions about Luther Oaks Apartments

Where is Luther Oaks Apartments located?

Luther Oaks Apartments is at 36 Executive Dr, Norwalk, OH 44857.

How do I contact Luther Oaks Apartments?

Call Luther Oaks Apartments at 419-663-3529.

How much does independent living cost?

There is no single price for independent living. Rent is set by each community and varies a lot by city. The cost survey this site uses does not publish a national median for independent living, so we do not print one. Medicare does not pay for it, so families pay the rent out of pocket. See our guide to independent living costs and who pays for the full picture.

Does Medicare pay for independent living?

No. Medicare does not pay rent or housing costs. It pays for your medical care while you live there, like doctor visits, hospital care, and home health visits. The housing itself is paid out of pocket.

What is the difference between independent living and assisted living?

Independent living is housing for older adults who can live on their own. It gives a private home, meals in some places, and social activities. It does not include help with daily tasks. Assisted living adds that help. Staff help with bathing, dressing, and medicine, and staff are on hand day and night.

Who else pays for independent living besides Medicare?

Families pay the rent out of pocket. No insurance pays for independent living rent. Low-income senior apartments funded by HUD keep rent lower for people who qualify. Some veterans put VA pension payments toward the rent.

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