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.

Directory of Assisted Living Facilities in South Bend, IN

St. Paul’s

3602 S Ironwood Dr, South Bend, IN, 46614

I visited St. Paul’s and it was fine. I was familiar with the facility. I have quite a few friends that live there, so I know it’s a good place. They have different levels of care and it’s not easy … (read more)
I visited St. Paul’s and it was fine. I was familiar with the facility. I have quite a few friends that live there, so I know it’s a good place. They have different levels of care and it’s not easy … (read more)

Brookdale South Bend

17441 State Road 23, South Bend, IN, 46635

Brookdale South Bend is nestled in a quiet suburb of South Bend, Indiana and is just a short distance away from Warren Golf Course and the Indiana Toll Road. Residents of this facility note the knowle … (read more)
Brookdale South Bend is nestled in a quiet suburb of South Bend, Indiana and is just a short distance away from Warren Golf Course and the Indiana Toll Road. Residents of this facility note the knowle … (read more)

Grand Emerald Place

4010 South Ironwood Drive, South Bend, IN, 46614

Grand Emerald Place assisted living community is located in South Bend, Indiana, conveniently close to shops, medical offices and restaurants. Residents’ families greatly appreciate the kind, caring a … (read more)
Grand Emerald Place assisted living community is located in South Bend, Indiana, conveniently close to shops, medical offices and restaurants. Residents’ families greatly appreciate the kind, caring a … (read more)

Southfield Village

6450 Miami Circle, South Bend, IN, 46614

Southfield Village was very clean and roomy. They were doing an activity when we were there and they had an activities director that was doing it. It was very organized, except they only had a room on … (read more)
Southfield Village was very clean and roomy. They were doing an activity when we were there and they had an activities director that was doing it. It was very organized, except they only had a room on … (read more)

Wood Ridge Assisted Living Community

17650 Generations Drive, South Bend, IN, 46635

Wood Ridge Assisted Living Community is located in South Bend, Indiana, just minutes from I-90. Residents and visitors give high marks to the friendly, attentive and accommodating staff. Residents app … (read more)
Wood Ridge Assisted Living Community is located in South Bend, Indiana, just minutes from I-90. Residents and visitors give high marks to the friendly, attentive and accommodating staff. Residents app … (read more)

Country Care West Inc.

23435 Brick Road, South Bend, IN, 46628

County Care West Inc. Assisted Living is located in South Bend, Indiana near the Studebaker National Museum and the University of Notre Dame. The owners’ live on-site and their children are invol … (read more)
County Care West Inc. Assisted Living is located in South Bend, Indiana near the Studebaker National Museum and the University of Notre Dame. The owners’ live on-site and their children are invol … (read more)

Wellbrooke of South Bend

52565 State Road 933, South Bend, IN, 46637

Located near Wabash County Hospital, Wellbrooke of Southbend is an assisted living facility in South Bend, Indiana, offering apartment-style living with a variety of floor plans and common areas for … (read more)
Located near Wabash County Hospital, Wellbrooke of Southbend is an assisted living facility in South Bend, Indiana, offering apartment-style living with a variety of floor plans and common areas for … (read more)

2023

Tanglewood Trace

530 Tanglewood Lane, Mishawaka, IN, 46545

Tanglewood Trace is located in Mishawaka, Indiana, near major highways, several shopping and dining venues and just minutes from Notre Dame. The community boasts a wealth of amenities such as restaura … (read more)
Tanglewood Trace is located in Mishawaka, Indiana, near major highways, several shopping and dining venues and just minutes from Notre Dame. The community boasts a wealth of amenities such as restaura … (read more)

2023

StoryPoint Granger

6330 N. Fir Road, Granger, IN, 46530

StoryPoint at Judy Creek is located in the South Bend suburb of Mishawaka, Indiana. It sits just west of Juday Creek Golf Course, offering residents a nearby recreational option. Residents enjoy the l … (read more)
StoryPoint at Judy Creek is located in the South Bend suburb of Mishawaka, Indiana. It sits just west of Juday Creek Golf Course, offering residents a nearby recreational option. Residents enjoy the l … (read more)

Brookdale Granger

430 Cleveland Road East, Granger, IN, 46530

Brookdale Granger is an assisted living community located in a landscaped area near the University Park Mall in Granger, Indiana. Visitors mention the serene views of the countryside, luxuriously deco … (read more)
Brookdale Granger is an assisted living community located in a landscaped area near the University Park Mall in Granger, Indiana. Visitors mention the serene views of the countryside, luxuriously deco … (read more)

Cedarhurst of Edison Lakes

1025 Park Place, Mishawaka, IN, 46545

We started Cedarhurst of Edison Lakes to provide truly person-directed care, taking the time to know and work with each resident as an individual and providing them with care that’s as unique as the … (read more)
We started Cedarhurst of Edison Lakes to provide truly person-directed care, taking the time to know and work with each resident as an individual and providing them with care that’s as unique as the … (read more)

The Village at Arborwood Senior Community

820 Cleveland Road, Granger, IN, 46530

I didn’t tour Village at Arborwood, but I spoke to somebody when I went there to pick up some information. The lobby area looked very inviting and very new, and it was three stories. This one was mo … (read more)
I didn’t tour Village at Arborwood, but I spoke to somebody when I went there to pick up some information. The lobby area looked very inviting and very new, and it was three stories. This one was mo … (read more)

Hellenic Senior Living of Mishawaka

1540 S Logan Street, Mishawaka, IN, 46544

Our visit to Hellenic Senior Living of Mishawaka went very well. My dad really wanted to move there, but his income was too high since it’s government-subsidized. The building overall seemed a little … (read more)
Our visit to Hellenic Senior Living of Mishawaka went very well. My dad really wanted to move there, but his income was too high since it’s government-subsidized. The building overall seemed a little … (read more)

Primrose Retirement Community of Mishawaka

820 Fulmer Road, Mishawaka, IN, 46544

Primrose Retirement Community of Mishawaka is located in a peaceful, suburban neighborhood in Mishawaka, Indiana. Residents and their loved ones note that the facility is new and well-maintained and t … (read more)
Primrose Retirement Community of Mishawaka is located in a peaceful, suburban neighborhood in Mishawaka, Indiana. Residents and their loved ones note that the facility is new and well-maintained and t … (read more)

Holy Cross Village at Notre Dame

54515 Rte 933, PO Box 303, Notre Dame, IN, 46556

The staff have been very welcoming from the very beginning. Now even after my parents have moved in they greet me when I come to visit. The staff is wonderful in communicating updates on my parents. … (read more)
The staff have been very welcoming from the very beginning. Now even after my parents have moved in they greet me when I come to visit. The staff is wonderful in communicating updates on my parents. … (read more)

Mishawaka Living Center

811 E 12TH ST, Mishawaka, IN, 46544

All in all the staff was very accomodating. My grandfather admittedly wasn’t the best resident and caused quite a lot of problems, but the staff remained professional and maintained quality care. Th … (read more)
All in all the staff was very accomodating. My grandfather admittedly wasn’t the best resident and caused quite a lot of problems, but the staff remained professional and maintained quality care. Th … (read more)

Silver Birch of Mishawaka

3630 Hickory Rd, Mishawaka, IN, 46545

I moved into Silver Birch of Mishawaka when they first opened. The nursing is really good. They do what they need to do. The receptionist is wonderful. Everybody else stinks. Food is terrible. The fac … (read more)
I moved into Silver Birch of Mishawaka when they first opened. The nursing is really good. They do what they need to do. The receptionist is wonderful. Everybody else stinks. Food is terrible. The fac … (read more)

COVID-19 Rules for Assisted Living in South Bend

Since most COVID-19 rules for Assisted Living Communities and other Senior Living Facilities are set at the state level, you can view the specific rules for your state on our Guide to Assisted Living in Indiana. Keep in mind that every community has specific policies that they put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.

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.

$3308

South Bend

$4283

Indiana

$4500

The United States

$4250

Elkhart

$3617

Michigan City

$3485

Fort Wayne

$5255

Lafayette

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.

$5672

Home Care

$5672

Home Health Care

$3308

Assisted Living

$8366

Nursing Home Facility (semiprivate room)

$9308

Nursing Home Facility (private room)

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.

Resource

Contact

Service

(574) 284-2644

REAL 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.

(800) 457-8283

South 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.

(800) 552-7928

The 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.

(574) 234-3111

Open 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.

(574) 299-4765

The 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