Retirement in Sherman & Denison, TX: Housing, Services & Resources

Judy K.

6/5/26

A complete guide to retirement in Sherman and Denison, Texas — independent living, assisted care, income-restricted senior apartments, local services, and transportation options.

Explore retirement housing, income-restricted apartments, senior services, and transportation options in Sherman and Denison, Texas.

Grayson County's twin hubs of Sherman and Denison have become a popular landing spot for retirement in Sherman and Denison, thanks to a lower cost of living, small-town pace, and easy access to Lake Texoma and the Dallas–Fort Worth metroplex. This North Texas Weekly guide breaks down local housing options, income-restricted programs, senior services, and transportation so retirees and their families can plan with confidence.

About Retirement in Grayson County

Sherman is the Grayson County seat and largest city in the Texoma region, while Denison sits just a few miles north along US-75, closer to Lake Texoma. Both cities offer a full range of senior living Sherman TX and Denison options, from active-adult neighborhoods to skilled nursing, along with access to regional hospitals and a dedicated Area Agency on Aging.

Ideal for: empty nesters and downsizers looking for lower-cost housing near Dallas
Retirees who want to age in place with in-home care support
Families comparing assisted living or memory care options for a parent
Budget-conscious renters seeking income-restricted senior apartments
Anyone planning a move without a car who needs reliable local transportation

Housing Options

Independent & Active Adult (55+) Communities

Sherman currently has active adult communities with new-construction homes, and both cities offer independent senior apartment communities with maintenance-free living.

Sherman 55+ new-construction communities — four active adult communities with homes ranging from about $319,990 to $689,990
Renaissance–Sherman — 40-unit independent senior apartment community with an all-inclusive program
Park Manor 55+ Apartments (Sherman) — one- and two-bedroom apartments for adults 55 and older
Wesley Village (2800 Loy Lake Rd, Denison) — 72-unit 55+ community with on-site recreation and a variety of floor plans

Senior & Income-Restricted Apartments

Both cities have a solid stock of income-restricted senior apartments — HUD-subsidized and Low-Income Housing Tax Credit (LIHTC) properties where rent is capped based on Area Median Income rather than market rate.

Park Manor Senior Apartments (1725 S FM 1417, Sherman) — LIHTC one- and two-bedroom units, income restricted to Area Median Income
Meadows of Wesley Village (2800 Loy Lake Rd, Denison) — HUD-subsidized senior apartments
Pecan Place Apartments for Seniors (Denison) — HUD-subsidized senior housing
Manning Park Plaza (200 Mauk Cir, Denison) — HUD-subsidized senior apartments
Steeple Chase Farms and Villas of Sherman — additional LIHTC properties serving Sherman
For comparison, market-rate one-bedroom apartments in Sherman average around $1,087/month and two-bedrooms around $1,281 — useful context when weighing a subsidized unit against open-market rent

Income-Restricted & Public Housing Programs

Both cities' housing authorities manage Low Rent Public Housing, and eligibility is based on income rather than age alone, so seniors apply alongside other qualifying households.

Sherman Housing Authority — manages Low Rent Public Housing; eligibility and waiting lists are set under HUD guidelines
Denison Housing Authority — offers affordable rental housing throughout Grayson County; income limits apply and waiting lists can be long
Eligibility generally requires meeting annual gross income limits, qualifying as elderly, disabled, or a family, and having U.S. citizenship or eligible immigration status
Sherman income-restricted listings — about 66 current listings on Apartments.com
Denison income-restricted listings — about 18 current listings on Apartments.com

Assisted Living & Memory Care

Sherman:
Traditions Senior Living and Memory Care — 76 units, luxury retirement option
Preston Place (Trustwell Living) — assisted living and respite care for up to 48 residents, near Herman Baker Park
Brookdale Willows Sherman — assisted living and memory care for up to 75 residents
Pecan Point Assisted Living & Memory Care — 70-unit pet-friendly community at 1011 E. Pecan Grove Rd
Denison:
Legacy Assisted Living and Memory Care — 16 units, scheduled transportation and pet services
Grayson Place — assisted living and memory care for up to 36 residents
Stone Brook Assisted Living and Memory Care — up to 60 residents, Alzheimer's and dementia care
Crawford Street Place — 11-unit luxury assisted living option
Silver Leaf Assisted Living (Reba McEntire & Crawford II locations) — assisted living, memory care, and high-acuity care in ranch-style homes
Grayson Court — personalized care plans with a full-time registered nurse

Skilled Nursing & Rehabilitation

Sherman: The Homestead of Sherman (132 residents) and Meadowbrook Care Center (60 residents)
Denison: Woodlands Place Rehabilitation Suites (133 beds), Beacon Hill (150 residents), and Denison Nursing and Rehabilitation (71 residents, accepts Medicare and Medicaid)

In-Home Care

Cornerstone Caregiving — personal care and Alzheimer's support across Sherman, Denison, Howe, and Pottsboro, including a VA-funded program for veterans
Home Instead – Sherman and Right at Home – Sherman — in-home senior care aimed at helping older adults live independently longer
Care.com caregivers — independent caregivers offering companionship, light housekeeping, meal prep, and errands, searchable by background check status

Senior Services & Community Resources

Area Agency on Aging of Texoma

The Area Agency on Aging of Texoma, run through the Texoma Council of Governments, is the region's central hub for coordinating services for residents 60 and older and people with disabilities across Cooke, Fannin, and Grayson counties. All services can be reached by dialing 2-1-1.

Address: 1117 Gallagher Drive, Sherman, TX 75090 · (903) 893-2161
Free Medicare counseling to help compare insurance plans
In Case of Emergency (ICE) program so first responders can reach next of kin
Time Out Respite Care — gives family caregivers a scheduled break
Texas Association of Regional Councils overview of the Texoma AAA's programs for older Texans
Senior Texoma Sourcebook — TCOG's printed directory of local senior resources (check with TCOG for the current edition)

Senior & Activity Centers

Sherman Senior Center — Sherman Parks & Rec's center for adults 50+, offering classes, special events, and day trips; (903) 892-7316
Current activities & monthly newsletter — published free online or available in-office
Sherman Activity Center on Facebook — event updates and community photos
Denison Senior Citizens Center (531 W. Chestnut St) — free programs like chair volleyball and wellness classes for 55+
Room rentals — the Denison center's Auditorium (150 capacity) and Activity Room (40 capacity) can be booked for private events

Healthcare

Seniors in both cities have local access to Wilson N. Jones Regional Medical Center and Texoma Medical Center, both frequently cited by area senior communities as nearby healthcare anchors.

Legal & Safety Resources

Grayson County Area Agency Contact List — includes Adult Protective Services, Legal Aid of North Texas, and local law enforcement non-emergency lines
Legal Aid of North Texas
Adult Protective Services

Getting Around: Senior Transportation

TAPS (Texoma Area Paratransit System) is the region's public dial-a-ride service and the primary transportation option for seniors who no longer drive.

TAPS Get-a-Ride — shared, curb-to-curb public transportation across Cooke, Fannin, Grayson, and other Texoma counties
Riders 60+ or with a qualifying disability get a reduced fare; a valid Medicare card qualifies for the half-fare rate
Rides must be scheduled 48 hours in advance, Monday–Friday, 7 a.m.–3 p.m.
TAPS Public Transit main site — schedule information and board updates
Get-a-Ride program overview via BenefitsCheckUp.org

Private and supplemental options are also available for medical appointments, errands, and social outings:

7 Sisters Care — senior-focused transportation serving Sherman, Denison, Howe, and Pottsboro with mobility-equipped vehicles
Care.com caregivers — independent caregivers offering rides to appointments, stores, and social events, searchable with background-check filters
In-home care agencies (Cornerstone Caregiving, Home Instead, Right at Home) also provide transportation as part of broader personal care services

Frequently Asked Questions

What are the best housing options for retirees in Sherman and Denison?

It depends on care needs and budget: active-adult and 55+ apartment communities suit independent retirees, income-restricted senior apartments help those on a fixed income, and assisted living or memory care communities support those needing daily help.

Are there income-restricted senior apartments in Grayson County?

Yes. Both the Sherman and Denison Housing Authorities manage public housing, and several LIHTC and HUD-subsidized properties — including Park Manor Senior Apartments and Meadows of Wesley Village — cap rent based on Area Median Income.

How do seniors get around Sherman and Denison without driving?

TAPS (Texoma Area Paratransit System) offers a shared dial-a-ride service with reduced fares for riders 60 and older, booked 48 hours in advance. Private senior transportation providers and in-home care agencies fill in gaps for same-day or specialized needs.

Who should I contact for help navigating senior services in the region?

The Area Agency on Aging of Texoma, reachable at 2-1-1 or through the Texoma Council of Governments, is the central point of contact for coordinating housing referrals, Medicare counseling, transportation, and caregiver support across Grayson County.