The 10 Best Assisted Living Facilities in Chesterfield, MI for 2023

Located in Macomb County on Lake St. Clair’s Anchor Bay, Chesterfield is a medium-sized community with scenic views and a range of outdoor recreational amenities. Summers are mild, providing plenty of opportunities to enjoy everything the region has to offer, and the extensive public transportation system makes it easy to attend appointments, run errands and meet up with friends. The community has about 47,000 residents, nearly 14% of whom are aged 65 and over.   

Assisted living is ideal for those who want to remain in the community but need some personal care services. These residential facilities are staffed with trained caregivers who provide help with daily living activities, and residents enjoy a maintenance-free lifestyle with meals provided. On average, assisted living residents in Chesterfield pay $4,750 per month for this type of residential care, which exceeds state and national medians.  

This guide provides more in-depth information on senior care costs in Chesterfield, including alternatives to assisted living. It also summarizes some programs and agencies that serve seniors.  

In Chesterfield and throughout Michigan, assisted living facilities are officially called homes for the aged. These facilities are licensed by the Michigan Department of Licensing and Regulatory Affairs, which ensures compliance with state regulations and fields and resolves complaints related to facility conditions and quality of care.

• Chesterfield offers affordable health care services, but physician options may be limited. On a health cost index, health expenses, such as doctor’s office visits and inpatient hospital care, in Chesterfield come in about 17% below the national median. However, there are only about 139 doctors per 100,000 people compared to the national rate of 210. The city is home to Henry Ford Macomb Health Center, which offers primary care services, advanced wound care and imaging services.    
• Seniors in Chesterfield can navigate the city via SMART, a public transportation system that provides fixed routes and ADA-compliant curb-to-curb services throughout the Detroit Metro. Passes are sold online, and reduced fares are available to seniors and those with disabilities.    
• Chesterfield’s weather is cool with summer highs in the low-80s and winter lows in the teens. The city gets about 33 inches of rain and 32 inches of annual snowfall. Six months out of the year have significant snowfall, and January is the snowiest month, receiving an average of 10 inches.  
• Chesterfield is a generally safe community, which may appeal to older adults researching retirement options. On a 100-point crime index, the city’s violent crime rate is 12 compared to the national score of 22.7, and the property crime is rated 27.1 versus the national rate of 35.4.  
• Chesterfield is among the more expensive places in Michigan to live. Its overall cost of living is about 5% high than the national average and 15% higher than the state average. Transportation and housing cost more here than in the typical Michigan city, but seniors may save money on these living expenses by moving to assisted living. 
• Chesterfield seniors don’t pay state taxes on Social Security benefits, so those who rely on this form of retirement income may pay very little in taxes. Other types of retirement income are taxed, but seniors can claim a large deduction to minimize the expense.  

Chesterfield is among the more expensive cities in Michigan for assisted living. On average, seniors in this city pay $4,750 per month for care. This is $450 higher than the national median of $4,300 and $550 higher than the state rate of $4,200.  

While assisted living rates in Chesterfield exceed state and national averages at $4,750, this city is an affordable alternative to Monroe, where seniors pay $5,100 per month for services, and the Lansing area, where monthly care costs average $5,225. Ann Arbor is the most expensive surveyed option in Michigan for this type of care, with fees averaging $5,590. Those seeking more affordable care may consider Kalamazoo, where facilities charge approximately $3,950 per month.  

Seniors in Chesterfield have a range of care options to choose from, depending on their budget and lifestyle preferences. Home-based care is relatively costly, with seniors paying $4,767 for home care and $4,957 for specialized home health care. Adults who live in their own homes may save money by obtaining care in an adult day health care center, where seniors pay $1,733 per month for personal care, meals and recreational activities in a daytime community setting. Assisted living is affordable compared to home-based care at $4,750 per month. Nursing homes charge $8,821 for shared rooms and $10,646 for private accommodations. 

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 Michigan page.