Centrally located between Kansas City and St. Louis, Fulton is home to 12,600 residents, of whom 11.1% are seniors aged 65 and older. Full of historic charm, the city offers a small-town atmosphere for retirees to enjoy, and just 25 minutes from Jefferson City, residents can still maintain easy access to big-city amenities.

To support Fulton’s aging population, the city offers a range of long-term care options, including assisted living facilities. These communities allow seniors to enjoy a worry-free lifestyle in a social atmosphere with trained caregivers on staff. Residents can receive help with tasks of daily living such as grooming, personal care and medication management. In Fulton, assisted living care costs an average of $2,075 per month, making it a very affordable option compared to the average American city.

The following guide offers information about assisted living for seniors and families considering their long-term care options, including the cost of care and where seniors can go for financial assistance. It also features some of the benefits and drawbacks of retiring in the Fulton area, along with a list of local resources that provide senior support services.

Directory of Assisted Living Facilities in Fulton, MO

VALLEY PARK NORTH

2631 Fairway Dr, Fulton, MO, 65251

My mom was able to go back to the assisted living that she was in previously at Valley Park North. It’s a beautiful facility. They have a very caring staff. We can go in to visit her. There are curren … (read more)
My mom was able to go back to the assisted living that she was in previously at Valley Park North. It’s a beautiful facility. They have a very caring staff. We can go in to visit her. There are curren … (read more)

Kingdom Care Senior Living

811 Center Street, Fulton, MO, 65251

It’s so hard to pick a care center for a loved one. I’m so glad I went with KCSL for my mom. The nurses who worked with my mom and our family went out of their way to make us feel like we all belong … (read more)
It’s so hard to pick a care center for a loved one. I’m so glad I went with KCSL for my mom. The nurses who worked with my mom and our family went out of their way to make us feel like we all belong … (read more)

Churchill Terrace

120 Hospital Drive, Fulton, MO, 65251

My experience regarding this facility has been very positive. The staff are very caring and have the best interests of the individiuals living there at heart. I would like to see an increase in the st … (read more)
My experience regarding this facility has been very positive. The staff are very caring and have the best interests of the individiuals living there at heart. I would like to see an increase in the st … (read more)

Bridgeway Assisted Living Care

828 JEFFERSON STREET, Fulton, MO, 65251

The place is a dump in need of major remodeling. Stuff appears old, worn, outdated, like yard sale castaways. The walls need to be painted with new window treatments added. The place is dreary. Just b … (read more)
The place is a dump in need of major remodeling. Stuff appears old, worn, outdated, like yard sale castaways. The walls need to be painted with new window treatments added. The place is dreary. Just b … (read more)

Bristol Manor of Fulton

750 SIGN PAINTER ROAD, Fulton, MO, 65251


COVID-19 Rules for Assisted Living in Fulton

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 Missouri. 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 Fulton

The Department of Health and Senior Services, Section for Long-Term Care Regulation is responsible for the licensing and regulation of all assisted living facilities and residential care facilities in Missouri. Facilities must undergo an inspection prior to licensure and then annually to ensure they are adhering to the statewide laws for operation.

Benefits and Drawbacks of Assisted Living in Fulton

  • Fulton is an affordable retirement option for seniors on a budget. With an index score of 82, the city’s overall cost of living is not only lower than the statewide median of 85.9, but it’s also 18% lower than the U.S. national average of 100.
  • Crime rates in Fulton are a little above average. On a scale to 100, with 100 representing high crime, the city scores 25.3 for violent crime and 49.7 for property crime, compared to the U.S. averages of 22.7 and 35.4 in the same categories, respectively. Fortunately, most assisted living facilities have surveillance systems and security measures in place to keep residents safe.
  • Fulton offers numerous opportunities for fun and entertainment. The city is home to several museums, galleries and college campuses, as well as a cinema, bowling center and the county’s public library. Seniors can head downtown to Fulton’s historic Brick District to visit local boutiques, award-winning restaurants, live music and fun events.
  • Seniors can get around town using SERVE Tran. The door-to-door transportation service operates on an on-demand basis, taking passengers to any destination in Callaway County. Transportation to medical appointments in Boone, Cole and Audrain counties can also be arranged. Funding is available to cover fares for qualified seniors aged 60 and older.
  • In terms of its climate, Fulton receives an overall comfort index of 7.1 out of 10. Winters can be very cold and are accompanied by an average of 18 inches of snowfall. While spring weather is generally pleasant, summers can be hot and muggy, with temperatures known to climb to the high 80s.
  • Missouri is moderately tax-friendly toward retirees. While income from retirement income is taxed as regular income, Social Security retirement income is fully exempt for seniors who meet state income limitations. Seniors may also be eligible for deductions on certain types of retirement income such as public pensions.
  • According to the American Lung Association, residents in Fulton breathe clean and healthy air. The region receives an A grade for high ozone days, which is ideal for individuals who enjoy spending time outdoors or those who suffer from respiratory conditions.

Paying for Assisted Living in Fulton

As reported by the Genworth 2021 Cost of Care Survey, the average cost of assisted living in the Fulton area is $2,075 per month. This makes the city a very affordable option compared to both the national average of $4,500 and the average Missouri city.

The Cost of Assisted Living in Nearby Cities

Like Fulton, nearby Columbia is also an affordable option at an average of $2,800 per month. Rates in Springfield are slightly above the state median at $3,250. Other cities are much more expensive, including St. Louis where seniors pay an average of $4,100 per month. Kansas City has the highest assisted living costs in the state, averaging $4,585 per month.

$2075

Fulton

$3000

Missouri

$4500

The United States

$3250

Springfield

$2800

Columbia

$4100

St. Louis

$4585

Kansas City

The Cost of Other Types of Senior Care

Assisted living is the most affordable care option for seniors in Fulton. Adult day health care is slightly higher at $2,466, but a good option for seniors who require minimal assistance. In-home care and home health care services are good options for seniors who wish to remain living independently at home. Both cost an average of $3,813 per month. Nursing home facilities, which offer the most comprehensive care services, are the most expensive option at $5,703 per month.

$3813

In-Home Care

$3813

Home Health Aide

$2466

Adult Day Health Care

$2075

Assisted Living Facility

$5703

Nursing Home (semiprivate room)

Note: Data for Fulton was unavailable, so data for the nearest city, Jefferson City, was used instead.

Financial Assistance for Assisted Living in Fulton

Missouri’s Medicaid system offers the Home and Community-Based Services Waiver, which can help pay for certain services received in an assisted living community. Aside from Medicaid, the Independent Living Waiver can also help seniors living in assisted living facilities receive certain items, such as specialized medical equipment and supplies. 

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

Paying for Assisted Living Facilities in Missouri

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 Fulton

Fulton seniors have access to a variety of free resources to support their aging needs. The following list includes services and programs offered by local nonprofits and government agencies, such as senior legal aid, financial assistance, caregiver support and elder-focused recreational programming.

Resource

Contact

Service

(573) 443-5823 or (800) 369-5211

Aging Best is the Area Agency on Aging serving 19 counties across Central Missouri. The organization answers questions, provides information and directs seniors to support services and programs, such as case management, benefits counseling, legal aid, transportation and caregiver support. Aging Best is also responsible for the region's long-term care ombudsman program, which advocates for the rights of residents in long-term care facilities.

(573) 443-8706

The Central Missouri Community Action offers assistance for low-income individuals, including seniors. Its key areas of focus are well-being, social connectivity and economic stability. Some of the agency's programs include health insurance counseling, housing assistance, financial guidance and a foster grandparents volunteer program.

(573) 642-2458

To support the needs of aging adults, the Callaway Senior Center offers a welcoming environment where seniors have access to services, meals and programs. Seniors aged 60 and older can participate in the center's daily hot lunch buffet and activities such as exercises, card games, dinners and dances. The center also offers nutrition services and a care coordination program.

(573) 751-3779

The Missouri Veterans Commission is a state agency that provides aid to veterans and their dependents. Through its Veterans Service Program, the agency's accredited officers can provide counseling and information to help veterans understand the benefits they're entitled to and assist in the application process. The commission also provides information about veterans' rights and can offer referrals to other VA programs and entitlements.

(573) 634-4545
or (800) 568-4931

Mid-Missouri Legal Services provides free civil legal assistance to low-income individuals across central Missouri, including the elderly. Cases handled by MMLS include health care access, consumer fraud, public benefits and housing issues. For seniors aged 60 and up, the organization can handle wills, powers of attorney and beneficiary deeds. In addition to these services, the organization provides representation for seniors appealing involuntary discharges from long-term care facilities.

Assisted Living Laws and Regulations in Fulton

Fulton Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities 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 Missouri