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The 10 Best Assisted Living Facilities in Saint Louis, MO for 2024

The city of Saint Louis is located on the banks of the Mississippi River in the state of Missouri. It is home to 300,576 residents, and about 14.3% of the population are aged 65 and over. Saint Louis has a low cost of living and below-average property taxes, making the city a good choice for budget-conscious seniors. Active seniors will enjoy the mild winters that are perfect for enjoying a range of outdoor pursuits.

Assisted living facilities provide support with the tasks of daily living to seniors who are still active but require a little bit of help to remain independent. This option is ideal for seniors no longer able to live in their own homes but who don’t require medical care. Seniors in Saint Louis pay an average of $3,750 for assisted living per month, which is higher than the Missouri state average of $3,000.

This guide offers a basic introduction to assisted living in Saint Louis. It includes the benefits and drawbacks of retiring in the city, average monthly costs of care and a list of free local resources for seniors.

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Assisted Living Facilities in Saint Louis, Missouri

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What to Consider About Assisted Living in Saint Louis

The Missouri Department of Health and Senior Services oversees assisted living facilities in Saint Louis. The department is responsible for licensing all facilities throughout the state and ensuring that they follow all state rules and regulations by conducting surprise inspections. 

Benefits and Drawbacks of Assisted Living in Saint Louis

  • Saint Louis has a violent crime rate of 1,927 per 100,000 people and is ranked as having the second-highest crime rate in the U.S. However, seniors can be assured that the majority of assisted living communities provide 24-hour security services with secure perimeters and cameras.
  • Seniors who earn an income from retirement accounts will pay standard income tax, and the state has slightly higher combined state and local taxes than the U.S. average. Seniors in Saint Louis who live on Social Security benefits and public pension income generally don’t pay any tax on their income. This provides extra money for seniors to enjoy a more comfortable retirement in the city. 
  • Saint Louis has one of the lowest costs of living in the U.S., and several entertainment activities in the city cost less than the U.S. average, making the city a good choice for budget-conscious seniors who still want to take part in a range of activities. 
  • The city has hot and humid summers, and seniors may spend additional funds on cooling their homes. However, the winters are mild and a great time to enjoy all the city’s outdoor activities. 
  • Seniors in Saint Louis have access to a range of activities to do and places to explore. There are restaurants to enjoy, places to shop and neighborhoods to explore as well as visiting the famous arch. 

Paying for Assisted Living in Saint Louis

Assisted living in Saint Louis costs an average of $3,750 per month, according to the Genworth Cost of Care Survey 2020, which is higher than the state average of $3,000 and less than the national median of $4,300.

The Cost of Assisted Living in Nearby Cities

At $3,750 per month, Saint Louis is one of the most expensive cities in Missouri for assisted living. Only Kansas City costs more, with an average monthly cost of $4,460. The cities of Springfield and Joplin are both significantly cheaper, with an average monthly cost of $3,100 and $2,500, respectively.

Saint Louis

$3,750

Missouri

$3,000

The United States

$4,300

Kansas City

$4,460

Springfield

$3,100

Joplin

$2,500

The Costs of Other Types of Senior Care

Seniors living in Saint Louis have access to a variety of senior care options besides assisted living. Those seniors who only require care on days during the working week may find that adult day care is the best option for them at $1,842 per month; it is the cheapest care option available. For those who would prefer in-home care, homemaker services and home health aide services both have an average monthly cost of $4,481. Seniors who require constant supervision and medical care may find that nursing home care is their best choice. In Saint Louis, a nursing home has an average monthly cost of $5,355 for a semiprivate room and $6,479 for a private room.

Assisted living

$3,750

Adult day care

$1,842

Homemaker services

$4,481

Home health care services

$4,481

Nursing home (semiprivate room)

$5,355

Nursing home (private room)

$6,479

Financial Assistance for Assisted Living in Saint Louis

Saint Louis seniors concerned about the cost of assisted living facilities have two choices: the Supplemental Nursing Care Assistance Program and the Missouri Medicaid Aged and Disabled Waiver. Medicaid manages both programs, so income restrictions apply.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Missouri page.

Financial Assistance for Assisted Living in Saint Louis

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 Louis

There are several free resources in Saint Louis provided by government agencies and non-profit organizations. The resources listed below may be of some interest to seniors living in assisted living facilities and those considering moving to long-term care.

ResourceContactService
Saint Louis Regional Veteran Benefits Office(314) 253-4389The Saint Louis Regional Veteran Benefits Office assists veterans and their spouses in ensuring they receive all the benefits they are eligible for. These benefits may include disability compensation, pensions and supplemental benefits such as the Aid and Attendance Benefit. In addition, the office can assist veterans in finding assisted living housing and support them in any other issues they may face.
Saint Louis Area Agency on Aging(314) 612-5918The Saint Louis Area Agency on Aging provides seniors with information regarding transport, elderly services, food services and medicare benefits. The agency offers a long-term care ombudsman service that protects the rights of seniors in assisted living and other long-term care options. The ombudsman acts on behalf of the seniors if their rights are abused in any way by the care facility.
Saint Louis County Senior Department(314) 615-4516The Saint Louis County Senior Department provides a range of services to assist seniors in the area. These services include tax preparation, claims assistance, volunteer opportunities, transportation and an active aging program. 

Assisted Living Laws and Regulations in Saint Louis

Saint Louis-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities 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 Saint Louis

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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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