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The 10 Best Assisted Living Facilities in St. Charles, MO for 2024

Famous for the Missouri Botanical Gardens, the nation’s largest Japanese strolling garden, as well as outstanding medical facilities and cultural amenities, St. Charles offers a unique backdrop for retirement living. The city features a reliable public transportation system, an outstanding hospital for residents’ safety and convenience, as well as a local senior center that promotes an engaged lifestyle for retirees. Of the city’s 70,000 residents, about 17% are aged 65 and over.

Assisted living is a practical solution for many older adults who need daily nonmedical assistance. This type of care includes private and semiprivate housing, daily snacks and meals, recreational activities and housekeeping services for a low-maintenance lifestyle. Facilities also provide community outings and transportation services for personal errands and appointments, and many have on-site amenities such as convenience stores and fitness centers. On average, assisted living residents in St. Charles pay $4,100 for monthly care, which exceeds the state norm of $3,000 but is lower than the national average of $4,500.

This guide can help seniors prepare for assisted living in St. Charles by outlining local long-term care costs, options for paying for services and local resources that can help individuals make informed care decisions.

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Assisted Living Facilities in St Charles, Missouri

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What to Consider About Assisted Living in Saint Charles

In St. Charles, as well as in the rest of Missouri, assisted living facilities are licensed through the Missouri Department of Health and Senior Services. This department publishes information on the statewide long-term care ombudsman program as well as details on the rules assisted living facilities must follow to maintain licensure.

Benefits and Drawbacks of Assisted Living in Saint Charles

  • There are several public transportation services for seniors in St. Charles, including Ride STC’s demand-response service and curb-to-curb services through The Charley and the Saint Charles Trolley, which offers free service to popular destinations. This can help older adults remain active in the community even if they don’t drive.
  • The air quality in St. Charles is very poor and may impact the health of residents with chronic cardiovascular disease or lung conditions. The American Lung Association gives the region an F for ozone pollution and ranks it among the top 35 worst for high ozone days out of 227 metropolitan areas nationwide. Seniors concerned about air quality levels can track high ozone days and take advantage of indoor activities common to assisted living facilities when levels are unsafe.
  • All forms of retirement income, including Social Security benefits, are taxable in Missouri. However, the state offers some deductions to minimize retirees’ tax burdens, which may help some seniors afford assisted living expenses in St. Charles.
  • The overall cost of living in St. Charles is about 8% higher than the national norm and six percentage points over the state norm, which may be a concern for older adults with limited resources. However, the state funds programs such as Supplemental Nursing Care Assistance, which can help qualified seniors afford local long-term care costs.
  • St. Charles’s weather is typical of Missouri with comfortably warm summers and cold winters. The city gets a moderate 42 inches of rain and 14 inches of snow annually, and temperatures range from 21 to 88 degrees. Seniors in assisted living facilities often have access to indoor amenities such as libraries, fitness centers and lounges, providing socialization and recreation when the weather is unfavorable.
  • SSM Health St. Joseph Hospital – St. Charles is a 333-bed acute care medical facility in the city proper. This hospital is a Level II Time Critical Diagnosis STEMI Center and is certified by the Joint Commission as a Primary Stroke Center, offering specialized care for older adults. Additionally, many assisted living facilities have visiting physicians or provide telehealth services to maximize access to care.  

Paying for Assisted Living in Saint Charles

In St. Charles, assisted living facilities charge $4,100 per month for services, though costs may vary slightly at each facility.

The Cost of Assisted Living in Nearby Cities

In St. Charles, assisted living fees average $4,100. While this is $1,100 over the Missouri median, it offers potential monthly savings of $400 over the national norm. Seniors seeking more affordable care may consider Springfield, where rates average $3,250, or Columbia, where rates come in at $2,800. Cape Girardeau seniors pay $2,538 for care, and in Jefferson City, rates are over $2,000 less than in St. Charles.

St. Charles

$4,100

Missouri

$3,000

United States

$4,500

Jefferson City

$2,075

Cape Girardeau

$2,538

Columbia

$2,800

Springfield

$3,250

The Cost of Other Types of Senior Care

Assisted living is among the most economical long-term care options in St. Charles at $4,100 per month. This is considerably lower than the cost of nursing home care, which starts at $5,627, and it offers significant monthly savings over in-home care and home health care, which both cost $5,482 for full-time services. Only adult day health care is more cost-effective at $1,918 per month.

In-Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$1,918

Assisted Living Facility

$4,100

Nursing Home Facility (semiprivate room)

$5,627

Note: Data for St. Charles was unavailable, so data for the nearest city, St. Louis, was used instead.

Financial Assistance for Assisted Living in Saint Charles

Financial Assistance in Missouri

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

 

  • Veterans Benefits 
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

 

For more information about different ways to finance assisted living, visit our Assisted Living in Missouri page.

Free Assisted Living Resources in Saint Charles

Seniors in St. Charles have access to numerous resources that can help them compare long-term care facilities in the region and identify their payment options. The following table highlights organizations and programs that serve seniors by providing information, referrals and recreational opportunities to supplement what they receive through assisted living.

ResourceContactService
St. Charles Senior Center(636) 949-0658The St. Charles Senior Center is open on weekdays from 9 a.m. to 3 p.m. and hosts a range of social and recreational opportunities for residents aged 60 and over. At the center, seniors can obtain services such as options counseling, referrals for community-based resources, wellness programs and benefits assistance.
Aging Ahead(636) 207-0847Aging Ahead is the designated Area Agency on Aging for the St. Charles region. This nonprofit organization connects seniors with benefits advisors and options counselors who help them determine their eligibility for programs that cover assisted living expenses. The organization also provides nutrition counseling and transportation services.
Legal Services of Eastern MO(800) 444-0514This nonprofit organization has licensed legal professionals who help seniors apply for programs such as Supplemental Security Income and Social Security benefits, which may help them pay for assisted living. The office can also help with age-related civil law considerations such as assigning powers of attorney and advance planning.
Volunteer Opportunities(636) 949-3200St. Charles seniors have access to numerous volunteer opportunities throughout the city, helping them build social connections while serving the community. Opportunities may include answering phones and assisting with animal care at the local animal shelter, serving as tour guides in museums, or providing tutoring services in schools and libraries.
VOYCE(866) 918-8222In St. Charles, VOYCE is the long-term care ombudsman. Seniors can contact this nonprofit organization to get help with understanding their rights, receiving the services in their care plans and finding ways to pay for assisted living services. This organization can also represent seniors in instances such as involuntary discharges.

Assisted Living Laws and Regulations in Saint Charles

Saint Charles Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Missouri are required to follow. Visit our Assisted Living in Missouri page for more information about these laws.

Assisted Living Laws and Regulations in Missouri

Reviews of Communities Nearby

Assisted Living

Julie

I visited this facility

Review of Harvester Residential care

The grounds at Harvester Residential Care were clean and neat. The rooms I saw were new (they had just built an addition to the facility). The size of it was satisfactory. The person who did the...

Read more

Assisted Living

Kayla

I visited this facility

Review of Cedarhurst of St. Charles

I went to Cedarhurst of St. Charles for my parents. I liked it a lot. They were very accommodating to me. It just didn't work out for the situation. I thought the place was very clean. However...

Provider response

Hi Kayla! Thanks so much for this awesome review. Please feel free to reach out if there is anything more we can do for you!

Read more

Assisted Living

Reviewer RC#0212a

I visited this facility

Review of Harvester Residential care

Harvester Residential Care is in a residential housing area. The people were friendly and very informative. They were still doing some construction, but it looks like it's going to be very nice....

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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