I am 62 so I can give a pretty good perspective here.
Last summer I took my dad (88) to look at several housing options. Many communities have independent apartments (meals may or may not be included). Some then offer assisted living (help with getting dressed, bathed, meds, etc.) and then there is full blown nursing home care.
Here's what I've discovered. Most social workers recommend independent living places for the elderly (mostly 75+) that have assisted and nursing options availabe if they later need it.
Many independent seniors live in places that are age restricted - must be 55. There is a HUGE difference between 55 and 75. All of these places have a lot of activity, but the ones for older people have much more restricted events.
I would love the concept of never having to take care of anything again - but it can be SO depressing when everyone is so old. Half are on walkers or scooters.
My best friend (in her 80s) lives in a mixed use facility. Despite being on oxygen she still drives, cooks, and loves to meet me for lunch with a martini or two. The independent apartment is perfect for her.
I stop by to visit on occasion, but I could not live there at this stage of my life.
I would also be hesitant to move into a place that requires a "buy-in". Not that there is anything wrong with that or that it is not on the up and up. It's just that most places told me "If you move in and decide two weeks later that it was a mistake you will NOT get your money back".
Here's the approximate prices in Little Rock and New Orleans.
Independent apartment (all utilities except phone) with meals 1 BR, kitchette only, $2300.
Independent apartment, 2 BR 2 ba with full kitchen, w/d, and no meals $2000 plus utilities.
Assisted living - $4000 inclusive
Not sure of the nursing home. These are all top rated, luxury facilities in great neighborhoods.
I'm not sure what a nursing home costs today - 4 years ago it was $115 a day at a very nice place.
I have a small condo (2br, 2ba) in New Orleans that I love. I can leave for weeks at a time and only need to lock the door. I have great security (including gated parking) and can walk just about everywhere (which is the only way I could ever have a 2 martini lunch!).
I am in a fabulous neighborhood - I pay less than $800 a month for hoa, utilities (including cable and internet), taxes and insurance. That does not include a mortgage payment.
It doesn't sound to me that your mother is ready for one of those "old folks" homes yet. Something more geared to the 55+ set would probably be a little more in line than the places that are stepping stones for nursing homes.