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Independent Living in Missouri
The Show-Me State is an appealing retirement destination with its comfortable four-season climate and reasonable cost of living. Essentials like groceries, health care, utilities and transportation cost less than the national average, and housing is particularly affordable. With nine metropolitan areas and 19 regional hubs, residents have access to quality medical care and innovative research opportunities at top-rated facilities, such as the Barnes-Jewish Hospital in St. Louis and St. Luke’s Hospital of Kansas City. The state also has a significant number of independent living facilities and continuing care retirement communities.
Seniors who want to take advantage of maintenance-free accommodations, gourmet dining and fun recreational activities typically pay $1,950 per month for independent living without personal care in Missouri. Older adults who need day-to-day assistance or access to on-call staff members may be better candidates for assisted living. If you want to learn more about your options, this guide includes information about average prices, possible payment methods and local agencies that can help you maintain your independence.
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The Cost of Independent Living in Missouri
When trying to decide how to pay for independent 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, Caring.com has compiled proprietary cost data from its network of over 75,000 senior living providers to offer insight into the average cost of independent living in Missouri and its 24 cities.
The Cost of Independent Living in Missouri's Top Cities
Missouri seniors pay an average of $2,822 a month statewide for independent living, but actual costs vary by location. In Springfield, for example, costs run to $2,745 a month, while seniors pay an average of $2,530 in Kansas City. Costs are lower in St. Louis at $2,123, and seniors pay significantly less in Independence, where independent living costs average $1,860 a month.
Missouri
$2,822
Springfield
$2,745
St. Louis
$2,123
Kansas City
$2,530
Independence
$1,860
Inflation's Impact on the Cost of Independent Living in Missouri
Inflation has had an effect on independent living costs in most places, although prices are down slightly in Missouri. From 2022-24, costs actually dropped by $80 a month, from $2,989 to a projected $2,909. Nationally, costs rose by 13% from $2,810 to $3,162. Other states have seen significant increases, such as Arkansas, where costs rose from $2,304 to $2,944 for 2024. Prices are rising in Illinois by 22% from $2,535 to $3,102. Prices in Kansas are going up 36%, while Kentucky is seeing costs fall from $2,898 to $2,830.
| Location | 2022 Cost (Historical) | 2023 Cost (Current) | 2024 Cost (Estimated) |
|---|---|---|---|
| Missouri | $2,989 | $2,822 | $2,909 |
| U.S. Average | $2,810 | $2,955 | $3,162 |
| Arkansas | $2,304 | $2,764 | $2,944 |
| Illinois | $2,535 | $2,775 | $3,102 |
| Kansas | $2,020 | $2,586 | $2,755 |
| Kentucky | $2,898 | $2,794 | $2,830 |
The Costs of Other Types of Senior Living
Seniors who do well with independent living may pay an average of $2,822 a month in Missouri, but that's not their only option. Older adults who need closer monitoring and additional caregiver assistance can choose assisted living for an average of $4,217 a month. However, if a senior is grappling with memory-related issues such as Alzheimer's or dementia, memory care services would be more suitable and cost $5,502 per month on average.
Assisted Living
$4,217
Memory Care
$5,502
Independent Living
$2,822
Can You Use Medicare or Medicaid to Pay for Independent Living in Missouri?
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 Missouri.
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 Missouri
If you’re considering independent living, you’ll most likely have to pay for these services out-of-pocket using retirement benefits or investment income. Programs like Medicaid and Medicare will pay for in-home medical services and personal care typically offered in assisted living facilities, but they don’t cover room and board. The same is true for long-term care insurance, which may pay for personal care attendants and home health aides who help with errands, shopping, driving or meal preparation if you have this coverage. Additionally, rates vary depending on the type of accommodations that you select, so there are apartments and cottages for most budgets. You can learn more about possible payment options in our guide to independent living.
Free and Low-Cost Resources for Seniors in Missouri
There are many resources in Missouri that assist seniors in their retirement. caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.
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 Name | Phone Number | Description |
|---|---|---|
| Missouri Area Agencies on Aging | Missouri's Area Agencies on Aging provide information and assistance that older adults and their families can use to enhance their daily quality of life. They help support seniors' health and wellness through food assistance programs, exercise classes and transportation to medical appointments. The agencies also connect seniors to groups providing in-home services, home modifications and legal assistance. Older Missourians can use local AAA's resources, including case management, respite and caregiver services, to help them maintain their independence and autonomy. |
Cash Assistance Programs
Cash assistance programs in Missouri provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.
| Program Name | Phone Number | Description |
|---|---|---|
| Missouri Lifeline Program | 800-234-9473 | The Missouri Lifeline program grants seniors a price reduction on phone and internet prices, helping them stay connected to loved ones, medical professionals and the rest of the outside world. Interested eligible Missourians within a particular income range must register with a participating internet or phone company if their current provider isn't part of the program. Seniors must submit an application and the appropriate documentation to apply for the program. |
| Missouri Temporary Assistance (TA) | 855-373-4636 | Missouri residents, including seniors, may qualify for Missouri Temporary Assistance if they are the parent or guardian of a child under 18. This cash assistance program provides a monthly payment to those who are eligible. The value of any assets, other than a home and one automobile, must not exceed $1,000. Seniors applying for this program must also meet income requirements. Residents can call (855) 373-4636 to learn more about this financial assistance program. |
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 Missouri seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Missouri Meals on Wheels | Missouri Meals on Wheels provides nutritious meals and socialization for statewide seniors ages 60 and over. Those who are mobile enough can attend congregate meals with their peers, while those who are immobile can receive daily meal deliveries to their homes. Each meal delivery includes a safety check, and emergency authorities will be alerted if a fall, accident or emergency situation does arise. Meals are provided on a sliding-fee scale, so they range from free to full cost. | |
| Missouri Supplemental Nutrition Assistance Program (SNAP) | 855-823-4908 | The Missouri Supplemental Nutrition Assistance Program provides qualified seniors with financial help to buy healthy foods. Missouri residents who meet the income requirements for participants ages 60 and older qualify for an electronic benefit once a month that's accepted at food retailers across the state. Other eligibility factors include having resources under $2,750 per person, excluding home, vehicle, life insurance and prepaid burials. Seniors can use the funds to supplement their current food budget, so they can prepare nutritious meals. |
Financial Assistance for Senior Living
Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These Missouri resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.
| Program Name | Phone Number | Description |
|---|---|---|
| Supplemental Nursing Care Waiver | MO HealthNet does not directly pay for nonmedical expenses, such as an assisted living community's board and service fees. If you have MO HealthNet coverage and need help paying for assisted living, you may be eligible for a Supplemental Nursing Care waiver. This waiver helps nursing home-eligible seniors stay out of more intensive levels of senior care by paying for assisted living expenses, including the monthly fee and caregiver help. The program provides a monthly cash allowance that can be paid directly to the assisted living provider to cover common costs of assisted living. |
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Missouri collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
| Program Name | Phone Number | Description |
|---|---|---|
| Missouri Accessibility Medical Equipment | 866-201-3829 | AME provides free in-home assessments to establish participants' equipment needs. Durable medical equipment is available new or used, at a discount for income-eligible participants. |
| Missouri Swap 'n Shop Equipment Exchange Program | 816-655-6700 | Swap 'n Shop operates as a free online exchange program for people in Missouri to trade durable medical equipment and to share information about where to find needed mobility and health aids. |
Legal Resources
Many organizations offer free or low-cost legal services to Missouri 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 Name | Phone Number | Description |
|---|---|---|
| Missouri Coalition for Quality Care | 888-262-5644 | This nonprofit organization advocates for the safety and interests of seniors in long-term care settings throughout Missouri. It strives to hold assisted living facilities accountable for the quality of their care and helps ensure seniors get the assistance they need to live a healthy, comfortable life. MCQC also accepts reports of abuse online and over the phone. |
| Missouri Long-Term Care Ombudsman Program | 800-309-3282 | The Ombudsman program cultivates a network of individuals around the state to assist residents in long-term care facilities in the preservation of their rights. The program coordinates regular visits with residents to help them resolve any challenges they might encounter, and advocates and educates those unable to do so for themselves. |
| Missouri Senior Legal Helpline | 800-235-5503 | As an Older American Act funded program, the Missouri Senior Legal Helpline gets seniors aged 60 and above in contact with a regional lawyer. Older adults can get assistance and limited representation on civil matters such as living wills, advance directives, power of attorney and guardianship. The helpline doesn't provide assistance on criminal matters or traffic-related incidents. |
Senior Centers
Senior centers in Missouri bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.
| Program Name | Phone Number | Description |
|---|---|---|
| Missouri Care Planning Council (MCPC) | 800-989-8137 | The Missouri Care Planning Council (MCPC) is an organization that connects seniors in the state with a wide range of local service providers, long-term care advisors and informational resources. MCPC is focused on long-term planning but is also available for emergency situations. It accepts specific requests for help both over the phone and through its online form. |
Senior Engagement
Senior engagement resources and programs in Missouri 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 Name | Phone Number | Description |
|---|---|---|
| Missouri Community Options and Resources (MOCOR) | 855-834-8555 | Missouri Community Options and Resources is partnered with the state departments of Health and Senior Services and Social Services to connect residents to appropriate programs in all 114 counties. Through MOCAR, older adults can access help with the activities of daily living, transportation, meals, housework, cooking and caregiver respite. Seniors must be on Medicaid to be eligible for MOCOR services. The minimum age is 63 for some resources, while most are available at age 65. |
| Missouri DHSS Division of Senior and Disability Services | 573-751-6400 | The Missouri DHSS Division of Senior and Disability Services preserves the health and independence of the state's seniors through an extensive roster of programs. These include adult day care, a meal program to help seniors meet their nutritional needs and a 24/7 Alzheimer's response service that provides emergency medical treatment. The agency also maintains an elder abuse hotline families can contact around the clock to report health and safety concerns in long-term care. |
Social Security Offices
Social Security offices in Missouri 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 Name | Phone Number | Description |
|---|---|---|
| Missouri Social Security | Social 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. |
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. Missouri retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.
| Program Name | Phone Number | Description |
|---|---|---|
| Missouri Low Income Home Energy Assistance Program (LIHEAP) | 855-373-4636 | LIHEAP programs are administered on the local level in Missouri, and which program you apply to depends on where you live. These programs can pay a portion (up to 50%) of your gas and electricity bills, while a related program helps with the cost of water and sewer fees. Emergency bill payment assistance may also be available if you're in danger of disconnection. |
| Missouri Low Income Household Water Assistance Program (LIHWAP) | 855-373-4636 | The Low Income Household Water Assistance Program (LIHWAP) may be able to help you with a one-time payment for your water and/or wastewater (sewer) bill from November - September. The maximum amount you could get is $750.00. LIHWAP can help with: • Disconnection or reconnection fees • Threat of disconnection • Past due and current bills |
| Missouri Water/Wastewater Utility Bill Credit Program | 816-439-4460 | Qualified seniors are eligible for a 15% reduction in their water and wastewater rates through Liberty's Utility Bill Credit Program. Older adults must provide paperwork proving they meet certain requirements to receive the bill credit. |
Veteran's Services
Missouri 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 Name | Phone Number | Description |
|---|---|---|
| Missouri VA Benefits and Health Care | Missouri VA Benefits and Health Care provides medical services to senior veterans. These centers are located throughout the state and provide claims assistance, counseling and other services that may help veterans and their families. Missouri also hosts multiple senior centers for veterans where recreational, social and education opportunities are available. All veterans can reach the Crisis Line by dialing 988 and pressing 1 for immediate telephone assistance. | |
| Missouri Veterans Care Coordination | 855-380-4400 | Veterans Care Coordination is a nonprofit organization based in Saint Louis that strives to connect veterans in the community with affordable long-term care options, including assisted living facilities. It works with veterans and their families to ensure they get the pensions and Aid & Attendance benefits they deserve. It also coordinates the delivery of care at home or in assisted living, making lives easier for eligible families. |
| Veterans Services Program | 314-253-4455 | The Veterans Services Program in Jefferson City, MO, provides counseling and support for veterans and their dependents. Accredited Veterans Services Officers can assist eligible seniors with completing applications for VA benefits. VSOs can also provide advice about survivor's benefits, burial payments, disability payments and health care. A VSO is available Monday to Friday from 7:30 a.m. to 3:30 p.m. |
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