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The 10 Best Assisted Living Facilities in Saint Paul, MN for 2024

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Assisted Living Facilities in Saint Paul, Minnesota

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What to Consider About Assisted Living in Saint Paul

In St. Paul and the rest of the state, assisted living homes are governed by the Minnesota Department of Health. This organization protects residents of long-term care facilities by creating and enforcing senior care laws.

Benefits and Drawbacks of Assisted Living in Saint Paul


  • Seniors living in St. Paul can take advantage of a cost of living slightly lower than the national average. Health care and housing are especially affordable here.
  • As part of the Twin Cities area, St. Paul provides easy access to some of the state’s best hospitals. This includes the M Health Fairview St. Joseph’s Campus, which earns especially strong ratings in cardiology and heart surgery specialties.
  • Crime rates here are high compared to many American cities. Property crime rates are 14 points higher than the national average of 35.4 and violent crime rates are 13 points over the median of 22.7. Fortunately, assisted living facilities often have high-tech security systems to keep their residents safe.
  • Unfortunately, St. Paul sees relatively extreme temperatures and gets lots of snow in the winter. However, seniors who like winter sports like ice fishing, ice skating, snowshoeing, and snowmobiling may find this ideal.
  • St. Paul has a higher-than-average number of physicians per capita, at 279 per 100,000 people compared to the U.S. median of 210.


Paying for Assisted Living in Saint Paul, MN

When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, has compiled proprietary cost data from its network of more than 75,000 senior living providers to provide insight into the average cost of assisted living in Saint Paul and 45 other cities in Minnesota.

Inflation's Impact on the Cost of Assisted Living in Saint Paul, MN

From 2022 to 2024, the cost of assisted living in Saint Paul is expected to increase by about 18% (from $4,791 to $5,652). Though in line with national projected inflation rates of around18%, care in Saint Paul is more expensive than the national average. Despite inflation across the nation, the Minnesota average cost for care is projected to decrease by 1.93% (from $4,399 to $4,314). Other cities are projected to follow national inflationary norms, including Minneapolis ($4,045 to $4,773), Brooklyn Park ($4,389 to $5,178) and Saint Cloud ($3,293 to $3,886).

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Saint Paul$4,791$5,249$5,652
U.S. Average$4,070$4,459$4,802
Brooklyn Park$4,389$4,808$5,178
Saint Cloud$3,293$3,608$3,886

The Cost of Assisted Living in Nearby Cities

The St. Paul area has some of the highest assisted living prices in the state. Seniors in Mankato pay a bit more at $4,968 per month. Rochester is much more affordable, averaging $3,105. At $2,723 per month, St. Cloud has the lowest assisted living prices in Minnesota.

St. Paul




The United States


St. Cloud






The Costs of Other Types of Senior Living

In Saint Paul, senior living costs can fluctuate based on services and care provided. They can also be influenced by the location and amenities offered. Assisted living averages $5,2349 monthly, providing around-the-clock personal support. Memory care costs are higher, averaging $5,795, due to the more intensive care provided. Independent living costs tend to be lower since it doesn't encompass daily care, and in Saint Paul, it averages $3,333 monthly.

Assisted Living


Memory Care


Independent Living


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

Financial Assistance for Assisted Living in Saint Paul

Seniors opting for housing with services (HWS) establishments with assisted living status in Saint Paul may qualify for the Elderly Waiver (EW) for those who are eligible for medical assistance or the Alternative Care (AC) Program of Minnesota’s Department of Health.

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

Financial Assistance for Assisted Living in Saint Paul

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 Minnesota page.

Free and Low-Cost Resources for Seniors in Saint Paul,MN

There are many resources in Saint Paul,MN that assist seniors in their retirement. has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

For information about statewide resources and those in nearby cities, go to Caring’s Minnesota state page.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
Minnesota Indian Area Agency on Aging651-431-2500Area Agencies on Aging in Minnesota provide an array of services designed to promote independence and enhance the quality of life for older individuals. Meal programs help ensure seniors receive adequate nutrition, and transportation programs enable seniors to attend medical appointments and run errands. Wellness-focused services include exercise classes, social opportunities, health screenings and support groups. Seniors can obtain assistance completing benefits applications and health insurance counseling, and they can get legal advice, advocacy, options advice and respite services.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, Saint Paul seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
Minnesota Alternative Care Program651-431-2000Seniors participating in the Alternative Care Program can receive a wide range of in-home services, including skilled nursing, homemaker services and assistance with chores. The program also provides home-delivered meals and personal emergency response systems. To qualify, seniors must be over the age of 65, meet income and asset guidelines and require a nursing facility level of care.
Minnesota Elderly Waiver800-333-2433Seniors who require a nursing home level of care but wish to remain at home or in the local community can access home and community-based services via the Elderly Waiver.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Saint Paul seniors afford the nutritious food they need.

Program NamePhone NumberDescription
LSS Meals on Wheels - Saint Paul800-488-4146Meals on Wheels serves older adults by providing well-balanced meals to people over 60 for free or at a very low cost. What's more, a friendly neighbor delivers your meal and pays a visit as well, stopping for a quick chat and wellness check. Hot meals are typically served Monday through Friday, and frozen meals might be available outside of working hours. Many outposts let you choose a delivery schedule to suit your needs. In some areas, seniors might be able to visit a senior center or other community setting for a congregate meal.
Ramsey County Meals on Wheels651-266-4107Meals on Wheels serves older adults by providing well-balanced meals to people over 60 for free or at a very low cost. What's more, a friendly neighbor delivers your meal and pays a visit as well, stopping for a quick chat and wellness check. Hot meals are typically served Monday through Friday, and frozen meals might be available outside of working hours. Many outposts let you choose a delivery schedule to suit your needs. In some areas, seniors might be able to visit a senior center or other community setting for a congregate meal.
Merrick's Food Shelf651-287-2088The Merrick's Food Shelf in St. Paul, MN, provides food assistance to seniors and others in need. The Food Shelf offers drive-through distribution on Mondays from 3 to 5 p.m. and Tuesdays from 10 a.m. to noon. In-person shopping is available on Wednesdays and Thursdays from 10 a.m. to noon. All St. Paul and Maplewood residents who live within the Merrick Community Services' service area may receive food assistance.
Minnesota Hunger Solutions Food Shelf651-486-9860The Minnesota Hunger Solutions Food Pantry takes both an immediate and long-term approach to supporting the state's hungry seniors. MHSFP directly provides help to local food pantries throughout the state, and its Minnesota Food HelpLine assists low-income individuals with setting up SNAP benefits and finding nearby farmers' markets. In addition, the organization maintains a Market Bucks program that helps SNAP users get two to three times the value of their SNAP benefits.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Saint Paul collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
Minnesota STAR Device Loan Program - Saint Paul888-234-1267Minnesota's STAR program allows seniors with memory loss, hearing loss or limited vision to borrow equipment to help with these concerns. STAR offers short-term loans for seniors who want to try a device before purchasing one and open-ended loans for seniors who need a device longer than 30 days.
Durable Medical Equipment Loan Pool - Saint Paul888-672-0484The local ALS Association loans medical equipment to seniors who are living with amyotrophic lateral sclerosis or a related motor neuron disease. Eligible seniors can borrow assistive devices or durable medical equipment at no charge. Some items that may be available include wheelchairs, shower chairs and portable ramps.
Assistive Technology - Saint Paul800-657-3663The Minnesota Department of Human Services offers a variety of assistive technology for seniors facing hearing challenges. Solutions include alerting devices, apps, assistive listening devices, captioning, hearing aids and specialized telephone devices. Seniors can also access personalized assistance and partake in demonstrations to better understand the suitable technology options for them. These resources significantly enhance communication and awareness of environmental sounds, promoting an improved quality of life and greater independence for seniors with hearing impairments.

Many organizations offer free or low-cost legal services to Saint Paul seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
Southern Minnesota Regional Legal Services - Main Office877-696-6529Low-income seniors in Woodbury can receive free civil legal help through Southern Minnesota Regional Legal Services. Through the program, seniors can get help addressing elder abuse, estate planning concerns, debt collection and government benefits. The organization also offers legal clinics to help people understand important matters.
Minnesota Office of Ombudsman for Long-Term Care800-657-3591The Office of the Ombudsman for Long Term Care advocates on behalf of seniors in care facilities. They listen to the concerns of seniors and their families and work with care providers to improve the quality of care given to older adults.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Saint Paul have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Weatherization Assistance Program (WAP) - Saint Paul651-482-8260Low-income seniors can get free home energy upgrades, whether they rent or own a property, with the MWAP. It aims to reduce energy bills and ensure your home is healthy and safe.
Woodbury Neighborhood Reinvestment Fund651-292-8710Seniors who own their homes and live within the city limits of Woodbury can apply to the Woodbury Neighborhood Reinvestment Fund to get low-interest home improvement loans. Approved projects include those that increase the home's value or correct building code violations to make the home safe to live in. Loans are between $2,000 and $40,000 and come due when the applicant sells the home or transfers its title. A property value limit of $419,000 applies.

Senior Engagement

Senior engagement resources and programs in Saint Paul help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.

Program NamePhone NumberDescription
Amherst H. Wilder Foundation Memory Café651-280-2273A variety of services offered by this charity are tailored to promote senior health. One of them is a memory café presented in collaboration with the Health Partners Neuroscience Center. At these monthly meetings, people with dementia and Alzheimer's as well as their family members can take advantage of free education, entertainment and refreshments. The café features different themes each month, including art and music classes.
Senior Companion Services - Saint Paul888-205-3770This companionship service is offered by Lutheran Social Service of Minnesota to seniors throughout the state who could benefit from the friendship of a caring individual in their own home. Volunteers in this program are available to provide everything from a friendly conversation buddy and game partner to an errand runner and correspondence assistant.
Friends & Co Older Adults Services612-721-1400Friends & Co Older Adult Services provides companionship, connection and community for elderly individuals throughout Minnesota. Seniors can enjoy the Coffee Talk program, a free drop-in phone line available at any time. Additional programs include a Phone Companions program that matches seniors with phone friends, a Visiting Companions program for one-on-one friendly visits, and Let's Do Lunch and Let's Do Coffee programs for older LGBTQ+ seniors to mingle and stay engaged.

Social Security Offices

Social Security offices in Saint Paul help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Saint Paul Social Security Office 55101866-667-7481Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several Saint Paul resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
Property Tax Refund - Saint Paul800-652-9094Seniors can lower their property tax bills with the Senior Property Tax Refund program from the Minnesota Department of Revenue. This program reduces the property tax bill based on the household's income. It is available to adults aged 65 and older or adults of any age who have permanent and total disability. Seniors use an online application to apply for this refund.
Property Tax Deferral for Senior Citizens - Saint Paul800-657-3666Seniors with high property taxes relative to their income can receive a full or partial property tax deferment through the Senior Citizens Property Tax Deferral Program.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Saint Paul retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Minnesota Energy Assistance Program800-657-3710Administered by the Minnesota Commerce Department, the Minnesota Energy Assistance Program can provide up to $1,400 in energy and water bill assistance for state seniors who qualify under income guidelines. Maximum income limits are tied to the number of people in the household. This free, federally funded program, available to renters and homeowners, pays water, energy and fuel companies directly and works in conjunction with local service providers in Minnesota.

Veteran's Services

Saint Paul retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Ramsey County Veterans Services888-546-5838The county veterans services department offers programs for veterans along with eligible dependents and survivors. These groups can seek assistance with VA pension, compensation and health care benefits. County Veterans Service Officers have experience and training to help veterans navigate their available benefits. It's open during business hours Monday through Friday, with 24-hour service through the toll-free Veterans Crisis Line at (888-546-5838.)
Saint Paul Vet Center651-644-4022The St. Paul Vet Center offers counseling services in a nonmedical setting. Veterans can learn how to access housing and home loans, register for care and explore their VA education and health care benefits. PTSD and military sexual trauma care help treat veterans through cognitive behavioral therapy, cognitive processing therapy and eye movement desensitization and processing. Referrals to community resources are also provided. Whole health treatments are offered, including equine therapy, which uses horses to encourage physical and emotional healing.

Assisted Living Laws and Regulations in Saint Paul

Saint Paul-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Minnesota are required to follow. Visit our Assisted Living in Minnesota page for more information about these laws.

Assisted Living Laws and Regulations in Saint Paul

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