Located in the Upper Midwest, Minnesota features iconic lake views, world-class museums and a dynamic culinary scene, promoting a comfortable lifestyle for retirees. The state’s 5.6 million residents, about 16% of whom are seniors, are spread across its six regions. A low cost of living enables many older adults to maintain their preferred standard of living through their retirement years, and the state’s low crime rates provide peace of mind. The state is home to 75 state parks and recreation areas, including Altura’s Whitewater State Park and Gooseberry Falls State Park in Two Harbors, and historic landmarks, such as the Pipestone National Monument provide information on the state’s roots.  

Independent living enables older adults to enjoy the amenities and benefits Minnesota offers without the distractions and financial burdens of homeownership. Independent living communities are generally open to those aged 55 and over and feature amenities, such as social and recreational opportunities, housekeeping and laundry services and daily meals. On average, independent living costs in Minnesota average $2,784 per month, which is consistent with the national rate.  

This guide provides more details on independent living costs, including how monthly rates are calculated and how fees in communities in Minnesota compare to those in nearby states. It also provides contact information for programs and agencies that serve seniors in the state.  

The Cost of Independent Living in Minnesota

Note: Nationwide survey data that outlines Independent Living care costs isn’t available. However, because this type of care is 30-40% cheaper than Assisted Living, we can estimate monthly rates by subtracting 35% from Assisted Living costs outlined in the Genworth 2021 Cost of Care Survey

Seniors in Minnesota pay $2,930 per month for Independent Living, which is consistent with the national rate of $2,925. Even so, this statewide average is high compared to most bordering states. In North Dakota, monthly fees are hundreds of dollars lower at $2,204, and in South Dakota, Independent Living rates are even more competitive at $2,178. In Iowa, fees are higher but still more affordable than in Minnesota at $2,839, and in Wisconsin, monthly costs exceed the national median at $2,990.   

$2930

Minnesota

$2925

The United States

$2204

North Dakota

$2178

South Dakota

$2839

Iowa

$2990

Wisconsin

Throughout Minnesota, monthly Independent Living rates vary from $2,038 in Mankato to $3,356 in Minneapolis, accommodating a range of budgets. In St. Cloud, rates are competitive at $2,665, and in Rochester, fees are closer to the state median at $2,717. Seniors in Duluth pay $3,250 per month for services.  

$3250

Duluth

$2665

St. Cloud

$3356

Minneapolis Area

$2038

Mankato

$2717

Rochester

Independent Living is among the cheapest senior care options in Minnesota, coming second only to Adult Day Care, which costs $2,167 per month. Older adults who need personal care may be good candidates for Assisted Living, which is moderately priced at $4,508. Home-based care is an option for those who want to age in place and costs $6,673 for basic In-Home Care and $6,912 for specialized Home Health Care. Nursing Home care is the costliest option at $11,601 per month for semiprivate accommodations.  

$2930

Independent Living

$6673

In-Home Care

$6912

Home Health Care

$2167

Adult Day Care

$4508

Assisted Living Facility

$11601

Nursing Home Care

Can You Use Medicare or Medicaid to Pay for Independent Living in Minnesota?

Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assisted Living in Minnesota.

Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.

Paying for Independent Living in Minnesota

Older adults in Minnesota have several options that can help them pay for independent living expenses. While retirement income, such as Social Security benefits, 401(k)s and government and private pensions, may cover a large portion of care expenses, some retirees have to draw from other sources to maintain their standard of living. Long-term care insurance is a popular option that covers certain services, such as meal preparation, transportation services and housekeeping, which can help offset the costs of rent or buy-in. Those who own a home may consider selling it and use the funds to cover expenses. Alternatively, individuals who want to retain ownership of their property may rent out their home and use the income for their living costs or borrow against their home with a reverse mortgage.  

Independent Living Resources in Minnesota

Active seniors in Minnesota draw from a broad range of resources to help them make informed decisions about living options that fit their needs and lifestyle. The following table features nonprofit agencies and programs that help older adults maintain their independence and quality of life.  

Resource 
Contact 
Service 
(651) 431-2600 
Minnesota has a network of seven Area Agencies on Aging, each of which serves a designated region. These independent nonprofit organizations obtain state and federal funding to provide a range of programs to older adults, including home-delivered and congregate meals, transportation services and information and referrals for services and programs in the community. Many AAAs also operate local senior centers where members participate in social and recreational programming, enjoy traveling opportunities and access wellness services. 
(763) 780-8309 
Minnesota Seniors is a free resource for older adults operated by DFS Communications, Inc., a private media company in Minnesota. This website features directories of vetted companies that serve older adults, including senior housing options, healthcare services providers, local businesses and community events. 
(888) 546-5838 
The state’s Department of Veterans Affairs oversees programs and services for veterans within the state. Through this department, veterans access state and federal benefits, such as health and disability services, homelessness prevention programs, short-term financial assistance and information on local events. The department can also help qualifying individuals obtain survivors’ and pension programs, which provide monthly payments that can be used at the beneficiary’s discretion for living expenses. 
Foster Grandparents & Senior Companions: (651) 310-9425 RSVP: (612) 704-6114 
Minnesota Senior Corps is part of the National Senior Corps and is a network of roughly half a million older adults. It provides volunteer opportunities to those aged 55 and over through three programs, including the Foster Grandparent Program, the Senior Companion Program and RSVP. Older adults obtain one-on-one assistance with accessing the volunteer opportunities that fit their schedule, interests and experiences. In exchange for their service, they may receive monthly stipends, supplemental insurance, transportation reimbursement and recognition at appreciation dinners, depending on the opportunity they choose.
(615) 645-7425 
Minnesota Community Action Partnership is a statewide organization that provides a range of resources and services to income-qualifying individuals in the community. Programs vary by region but may include supplemental nutrition programs, utility assistance, weatherization programs and home modifications and updates. Local agencies may also provide transportation services and operate senior centers and recreational programs.
(612) 334-5970 (800) 292-4150 
Mid-Minnesota Legal Aid is a nonprofit legal organization that serves those aged 60 and over in 26 central Minnesota counties, as well as those seeking disability- and tax-related assistance throughout the entire state. Through their local offices, older adults can get help with issues related to public benefits, including Social Security overpayment, denied health insurance claims and enrolling in Medicaid and Medicare. 
(800) 333-2433 
Senior LinkAge Line is a free statewide service that helps older adults identify and access services in the community. Through this phone-based service, callers get help with finding local transportation, social and recreational opportunities, benefits assistance and nutrition programs. The service can also help with finding affordable senior housing.

COVID-19 Rules for Independent Living in Minnesota

The following information is based on research done on several government websites, including health.state.mn.us/diseases/coronavirus. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/8/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Minnesota Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for Minnesota Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for Minnesota Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes (Conditions Apply)

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Yes (Conditions Apply)

Find Independent Living Communities in Minnesota

Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in Minnesota, simply put that in the search bar below.

Abiitan Mill City

428 S. 2nd Street, Minneapolis, MN, 55401

I’ll be moving into Abiitan Mill City. It was such a good fit for me. It had a lot of activities that I like to do. It had yoga and lectures, and it’s right along the river with hiking paths. It’s wit … (read more)
I’ll be moving into Abiitan Mill City. It was such a good fit for me. It had a lot of activities that I like to do. It had yoga and lectures, and it’s right along the river with hiking paths. It’s wit … (read more)

The Waters on 50th

3500 50th Street West, Minneapolis, MN, 55410


Minnehaha Senior Living

3733 23rd Avenue S, Minneapolis, MN, 55407


Home Joy Home Care

121 Washington Ave N, Minneapolis, MN, 55401


The Kenwood

825 Summit Avenue, Minneapolis, MN, 55403

Located southwest of Minneapolis, Minnesota, just off I-94 for easy access to downtown, The Kenwood provides independent and assisted living and short-term care to seniors. This facility is close to T … (read more)
Located southwest of Minneapolis, Minnesota, just off I-94 for easy access to downtown, The Kenwood provides independent and assisted living and short-term care to seniors. This facility is close to T … (read more)

The Pillars of Prospect Park

22 Malcolm Ave SE, Minneapolis, MN, 55414

I have chosen The Pillars of Prospect Park. It’s by far the outstanding one that I visited. It far surpassed the others. I think it will meet my needs the best of any of the places. It’s in close conn … (read more)
I have chosen The Pillars of Prospect Park. It’s by far the outstanding one that I visited. It far surpassed the others. I think it will meet my needs the best of any of the places. It’s in close conn … (read more)

Becketwood

4300 West River Parkway South, Minneapolis, MN, 55406

We had friend living at Becketwood. The place is very well designed and very lovely. The staff are very well trained and very accommodating, but the place is just too expensive for us.
We had friend living at Becketwood. The place is very well designed and very lovely. The staff are very well trained and very accommodating, but the place is just too expensive for us.

Ebenezer Tower Apartments

2523 Portland Avenue, Minneapolis, MN, 55404

Ebenezer Tower Apartments is connected to the Ebenezer Foundation, which our aunt has been familiar with. Our aunt is very connected to this community so we thought this should definitely be a stop on … (read more)
Ebenezer Tower Apartments is connected to the Ebenezer Foundation, which our aunt has been familiar with. Our aunt is very connected to this community so we thought this should definitely be a stop on … (read more)

Wyndris

929 NE 2nd St, Minneapolis, MN, 55413

Wyndris is a small community of people over 62. It’s close to everything. You can walk to churches, restaurants, and anything like that and it has its own little restaurant inside. So, if you didn’t w … (read more)
Wyndris is a small community of people over 62. It’s close to everything. You can walk to churches, restaurants, and anything like that and it has its own little restaurant inside. So, if you didn’t w … (read more)

Millers Landing Senior Living

155 5th Ave South, Minneapolis, MN, 55401


Augustana Apartments

1510 11Th Avenue South, Minneapolis, MN, 55404

Augustana Apartments is a centrally located assisted living community in Minneapolis, Minnesota. Residents boast about the cheerful, accommodating staff and the high level of cleanliness throughout th … (read more)
Augustana Apartments is a centrally located assisted living community in Minneapolis, Minnesota. Residents boast about the cheerful, accommodating staff and the high level of cleanliness throughout th … (read more)

Saint Theresa of New Hope

8000 Bass Lake Road, Minneapolis, MN, 55428

Beautiful building very clean. Most of the staff is friendly but there are a few that aren’t. The layout can be a bit confusing at first it is easy to get lost. Security desk to sign in seemed to need … (read more)
Beautiful building very clean. Most of the staff is friendly but there are a few that aren’t. The layout can be a bit confusing at first it is easy to get lost. Security desk to sign in seemed to need … (read more)

Booth Manor Senior Housing

1421 YALE PLACE, Minneapolis, MN, 55403


Autumn Woods

2600 Kenzie Terrace, Minneapolis, MN, 55418


Rivervillage East

2919 Randolph Street NE, Minneapolis, MN, 55418


2013, 2014, 2015

Brookdale Edina

3330 Edinborough Way, Edina, MN, 55435

Brookdale Edina is located in Edina, Minnesota, close to I-494, Centennial Lakes Park and numerous restaurants. Visitors describe the facility as homelike and clean, and they appreciate the library, s … (read more)
Brookdale Edina is located in Edina, Minnesota, close to I-494, Centennial Lakes Park and numerous restaurants. Visitors describe the facility as homelike and clean, and they appreciate the library, s … (read more)

2016

Copperfield Hill

4200 40th Ave N, Robbinsdale, MN, 55422

Copperfield Hill is an assisted living facility in Robbinsdale, Minnesota, located near Interstate 94 and surrounded by dining venues and several public parks and only a short drive from Crystal Airpo … (read more)
Copperfield Hill is an assisted living facility in Robbinsdale, Minnesota, located near Interstate 94 and surrounded by dining venues and several public parks and only a short drive from Crystal Airpo … (read more)

The Glenn Hopkins

1011 Feltl Ct, Hopkins, MN, 55343

The Glenn Hopkins is a little bit older building but very nicely kept. What I liked was it was connected to wetlands and outdoor areas that are very peaceful. They had large outdoor seating areas, som … (read more)
The Glenn Hopkins is a little bit older building but very nicely kept. What I liked was it was connected to wetlands and outdoor areas that are very peaceful. They had large outdoor seating areas, som … (read more)

Flourish Senior Living

9000 Golden Valley Road, Golden Valley, MN, 55427

I had an in-person tour of Flourish Senior Living. I love the place. They have beautiful people and great amenities. The facility is beautiful, fresh, clean, and very inviting. The staff members were … (read more)
I had an in-person tour of Flourish Senior Living. I love the place. They have beautiful people and great amenities. The facility is beautiful, fresh, clean, and very inviting. The staff members were … (read more)

Seven Hills Senior Living

733 Selby Avenue, Saint Paul, MN, 55104

Seven Hills Senior Living was really attractive. I was very impressed with it. The staff person who gave me the tour was wonderful, and he also introduced me to one of their other facilities that I al … (read more)
Seven Hills Senior Living was really attractive. I was very impressed with it. The staff person who gave me the tour was wonderful, and he also introduced me to one of their other facilities that I al … (read more)