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The 10 Best Assisted Living Facilities in South Bend, IN for 2024

Located close to the Indiana-Michigan state line, South Bend can be a smart place to retire for seniors who want to save money in their twilight years. The city boasts a cost of living that’s well below the national average, enabling residents to pay less for housing, health care and other necessities. It’s also conveniently located close to a highly rated hospital system and many specialty providers that serve the medical needs of older adults. Of South Bend’s 103,453 residents, almost 13% are 65 and up, which is a bit lower than the national average.

The average monthly price for assisted living in South Bend is $3,308, making the city one of Indiana’s most affordable for long-term care. In assisted living facilities, residents receive personal care, help with activities of daily living, prepared meals, housekeeping and transportation to medical appointments. It’s ideal for seniors who have difficulty living alone but don’t need the level of care provided in a nursing home.

This guide includes benefits and drawbacks of living in South Bend, assisted living prices in nearby cities, costs for other kinds of care and a list of free resources for residents and their families.

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Assisted Living Facilities in South Bend, Indiana

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What to Consider About Assisted Living in South Bend

In South Bend and the rest of Indiana, assisted living facilities are licensed through the Residential Care Facility Licensing Program by the Department of Health. Its website has a directory of facilities throughout the state, licensing requirements and regulations that all facilities are required to follow.

Benefits and Drawbacks of Assisted Living in South Bend

  • The largest medical facility serving South Bend is Memorial Hospital, which offers urgent and emergency care, family medicine, rehabilitation, mental health treatment and specialty care. U.S. News and World Report ranked it as the fourth-best hospital in Indiana and High Performing in six conditions, including treatments for heart attacks, kidney failure and COPD.
  • REAL Services provides transportation to doctors’ appointments, grocery stores, banks and other destinations throughout the city. The program is open to people 60 and up who aren’t able to drive on their own. Vans are not wheelchair-accessible. Disabled seniors can get transportation via Transpo Access Paratransit Service.
  • South Bend’s cost of living index is 68.4, much lower than the national index of 100. Groceries (89.6), utilities (89.6), health care (79.2), transportation (77.2) and housing (29.4) are all more affordable than average.
  • Indiana doesn’t tax Social Security benefits, but residents do pay taxes on other types of retirement earnings, such as pensions and 401(k) income. Indiana provides a $1,000 tax exemption for residents over 65, plus a $500 exemption for seniors with a federal adjusted gross income of less than $40,000.
  • South Bend receives an average of 63 inches of snow annually, much higher than the U.S. average of 28 inches. Winter is very cold, too, with an average low temperature of 16 degrees in January. Summer weather is quite comfortable, though. The average high temperature is 83 degrees in July.
  • Seniors with respiratory illnesses can benefit from South Bend’s good air quality. The city has an air quality of 68 compared to the national index of 58. Water quality is a bit lower than average, though, with an index of 47 (the national index is 55).
  • South Bend is a member of the AARP Network of Age-Friendly States and Communities, indicating that local leadership has committed to making the city a great place for seniors to live. Members of this network may have walkable neighborhoods, affordable housing, robust public transportation options and easy access to key services in the community.

Paying for Assisted Living in South Bend

According to the Genworth 2021 Cost of Care Survey, the average price for assisted living in South Bend is $3,308 per month.

The Cost of Assisted Living in Nearby Cities

At $3,308, assisted living in South Bend is $975 cheaper than the Indiana state average and $1,192 less than the national average of $4,500. Compared to other Indiana cities, it’s one of the most affordable in the state for this type of care. About 20 miles to the east in Elkhart, prices go up to $4,250. To the west in Michigan City, rates average $3,617. Seniors in Fort Wayne pay approximately $3,485. Lafayette is one of the priciest cities for assisted living in Indiana, with prices averaging $5,255.

South Bend

$3,308

Indiana

$4,283

The United States

$4,500

Elkhart

$4,250

Michigan City

$3,617

Fort Wayne

$3,485

Lafayette

$5,255

The Cost of Other Types of Senior Care

South Bend’s seniors have several other options for long-term care. Those who’d prefer to stay in their own home with some assistance can get home care for $5,672. Home health care costs the same and includes medical services, such as physical therapy and medication management. Prices for adult day health care weren’t available for South Bend, although it’s generally the cheapest option. For seniors who need a high level of supervision in a secure environment, a semiprivate room in a nursing home costs $8,366, while a private room costs $9,308.

Home Care

$5,672

Home Health Care

$5,672

Assisted Living

$3,308

Nursing Home Facility (semiprivate room)

$8,366

Nursing Home Facility (private room)

$9,308

Financial Assistance for Assisted Living in South Bend

Qualifying low-income seniors in South Bend may be able to receive financial assistance from state and federally funded programs to help pay for their care. Currently, there are four programs available: Indiana Medicaid, the state’s Medicaid Aged and Disabled 1915 ( c ) Waiver program, the Indiana Residential Care Assistance Program (RCAP) and Supplemental Security Income – Category G.

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

Paying for Assisted Living Facilities in Indiana

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 Indiana page.

Free Assisted Living Resources in South Bend

South Bend seniors have access to many free resources in the city and throughout St. Joseph County. They include social activities, wellness programs, health insurance counseling and information about how to choose an assisted living facility.

ResourceContactService
REAL Services(574) 284-2644REAL Services is the Area Agency on Aging for South Bend and St. Joseph County. It provides care management, transportation, Lunch and Learn caregiver support groups and help with bills for low-income older adults. REAL Services donates durable medical equipment to seniors who can't afford to buy their own and provides Medicare counseling to help residents make informed decisions about health insurance.
Department of Veterans Affairs(800) 457-8283South Bend seniors can contact a veterans service officer to learn about disability compensation, pensions, property tax deductions, discounted licenses and other benefits they could be eligible for. Officers also provide assistance with obtaining service records and filing appeals for people who were denied benefits by the VA. Its website features information about upcoming events where seniors can learn something new and meet other veterans near them.
Indiana Long-Term Care Ombudsman Program(800) 552-7928The ombudsman program provides advocacy, complaint resolution and protection of resident rights for people living in long-term care. Seniors and their families can talk to the ombudsman about choosing an assisted living facility, including what to look for when visiting a facility and important questions to ask staff. Some problems the ombudsman addresses include quality of care issues, staff negligence, abuse, lack of privacy and billing disputes.
Catholic Charities Retired Senior Volunteer Program(574) 234-3111Open to anyone 55 and up, this program connects seniors with volunteer roles that are a good match for their unique life experiences, interests and skills. Volunteers provide much-needed support at nonprofit organizations, schools, senior centers and other places in their community. There is no minimum time commitment for the program, so seniors can serve for as few or as many hours as they want.
Howard Park Older Adult Programs(574) 299-4765The Howard Park Event Center offers a variety of fun activities for South Bend residents 55 and up. Activities include crafts, card and table games, bingo, day trips and holiday parties.

Assisted Living Laws and Regulations in South Bend

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

Assisted Living Laws and Regulations in Indiana

Reviews of Communities Nearby

Assisted Living

Chrystal

I am a friend or relative of a current/past resident

Review of Grand Emerald Place

My client moved into Grand Emerald Place one week ago. The atmosphere of the place is very cheerful and welcoming. Everybody is so friendly. It seems like a very nice place to be. His room is...

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Assisted Living

Judy

I visited this facility

Review of St. Paul's

St. Paul's was a very nice place. It's new, so everything is beautiful. They had a fantastic library; I was impressed. I'm a reader, so that's probably why I'm impressed with the library. The staff...

Read more

Assisted Living

Laura

I visited this facility

Review of Grand Emerald Place

Grand Emerald Place was the closest to where I live. It's very nice and very homey. The building is clean and very well laid out. They have a worship area, an activity room, a nice-sized cafeteria...

Read more

Helpful Articles

Assisted Living near South Bend, IN

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Other Options in South Bend, IN

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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

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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