Also known as the Rushmore State, South Dakota is an agricultural stronghold and popular tourist destination that’s home to 884,659 residents. Seniors aged 65 and older account for 17.2% of the population, which is slightly more than the national average, and by 2030, it’s estimated that nearly 30% of the population will be aged 60 or older. Retirees in South Dakota benefit from a low cost of living that’s 12% below the national average.

Long-term care costs are also more affordable than in other parts of the country. In fact, South Dakota seniors pay just $2,365 per month for independent living, which is 15% lower than the national average. Independent living is an attractive option for seniors who are healthy and active but don’t want to deal with all of the responsibilities of homeownership. These communities offer maintenance-free accommodations, on-site amenities and diverse recreational activities, and seniors can even sign up for restaurant-style meals. Since independent living is typically offered within assisted living facilities or continuing care retirement communities, seniors can stay in the same location, even if their needs change.

This guide provides information about independent living costs in South Dakota and neighboring states. It also touches on possible payment options and provides a directory of helpful programs and services.

The Cost of Independent Living in South Dakota

Note: No data specifically tracks the costs of Independent Living through the U.S.; however, prices are generally 30%-40% lower than Assisted Living. To estimate the costs of Independent Living in the lists below, we’ve subtracted 35% from the Assisted Living costs that appear in Genworth’s 2021 Financial Cost of Care Survey.

South Dakota is the most affordable state in its region for the costs of Independent Living. Estimated monthly costs are $2,177, hundreds of dollars below the U.S. average of $2,925. North Dakota also has relatively low prices at $2,204. All other states that border South Dakota are significantly more expensive. Nebraska’s monthly Independent Living costs are $2,649, Wyoming’s are $2,710 and Iowa’s are $2,839. Regional costs are highest in Montana, at $2,893.

$2177

South Dakota

$2925

The United States

$2649

Nebraska

$2839

Iowa

$2710

Wyoming

$2204

North Dakota

$2893

North Dakota

The Genworth Cost of Care Survey only reflects data from two cities in South Dakota. Independent Living prices are lower in Sioux Falls, which sits on the state’s eastern border and has estimated monthly costs of $1,892. The nearest city over the border in Iowa for which data is available is Sioux City, and the cost of Independent Living is about $800 more per month than in Sioux Falls. Rapid City, on the opposite side of the South Dakota and near the Wyoming border, has estimated monthly costs of $2,544.

$2544

Rapid City

$1892

Sioux Falls

$2696

Sioux City, IA

In addition to Independent Living, there are a few other residence and care options for South Dakota seniors. Adult Day Care, which costs approximately $2,600 per month, is closest to Independent Living in price. Assisted Living, which offers greater day-to-day support than Independent Living, is considerably more expensive at $3,350 per month. There’s another significant jump in price for the in-home care available through Homemaker and Home Health Aide services, both of which cost an average of $5,911 a month. Nursing Home care is roughly $5,000 more than Independent Living per month; a semiprivate room costs $7,118 and a private one costs $7,604.

$5911

Homemaker

$5911

Home Health Aide

$2600

Adult Day Care

$2177

Independent Living

$3350

Assisted Living

$7118

Nursing Home (semiprivate room)

$7604

Nursing Home (private room)

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

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 South Dakota.

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 South Dakota

Seniors who transition to independent living facilities can control their monthly expenses by paying a fixed rate for housing, utilities, maintenance and other value-added services. Because these communities don’t offer medically necessary personal care, there are fewer financial assistance programs, and most seniors pay for room and board out-of-pocket using Social Security benefits, investments or other forms of retirement income. Seniors who own their current home may consider selling it or applying for a bridge loan to cover buy-in fees. A reverse mortgage can also be a valuable source of funding, as long as one owner stays in the property. Our guide to independent living includes more information about expected costs and possible financing options.

Independent Living Resources in South Dakota

Federal funding supports a number of state and local programs that benefit older adults and family caregivers in South Dakota. Individuals who want to learn more about their options for aging in place and maintaining their independence can contact the following agencies for free information and advice. 

Resource
Contact
Service
(605) 773-3656
Managed by the Department of Human Services, the Division of Long-Term Services & Supports is a comprehensive resource for families, caregivers, disabled adults and seniors. It provides information about home- and community-based services, including Medicaid waivers. The state’s long-term care ombudsman advocates for residents in independent and assisted living facilities. Seniors can also contact this agency for more information about Medicare, disease prevention, emergency response systems, legal questions and age-related concerns.
(833) 663-9673
Dakota at Home is a statewide Aging and Disability Resource Center that provides unbiased information and advice about state and local programs designed to promote healthy aging and independent living. Services are available online and by phone, and staff members offer private consultations to help residents and caregivers assess their needs and develop a personalized plan of care.
(605) 773-3656
The Department of Human Services uses federal funding provided by the Older Americans Act to support transportation programs that benefit South Dakota residents aged 60 and older. These services can help individuals who need help traveling to local senior centers and meal sites, as well as grocery stores, medical offices and other important destinations. The agency maintains a comprehensive directory of programs, which is organized by geographic area.
(605) 856-4444
Dakota Plains Legal Services serves seniors and low-income residents in 33 counties. Its areas of expertise include consumer rights, family law, housing, health care, economic development programs, tribal law and estate planning. Educational resources and one-on-one representation can help seniors maintain their independence and access government assistance, regardless of their ability to pay a legal professional.
(605) 773-3269
This state agency is dedicated to meeting the needs of South Dakota’s veterans by assisting with benefits claims, engaging in advocacy and delivering long-term term care through the state’s network of veterans homes. Impartial services are provided by accredited service officers in all counties and tribal areas. Dependents and surviving spouses also qualify for many benefits.
(800) 645-0673
DakotaLink uses funding from the Department of Human Services and the Black Hills Special Services Cooperative to provide assistive technology to seniors and disabled residents. It operates four regional offices in Aberdeen, Brookings, Rapid City and Sioux Falls that assist more than 1,000 clients annually by providing equipment and software to assist with vision loss and other limitations.

COVID-19 Rules for Independent Living in South Dakota

The following information is based on research done on several government websites, including doh.sd.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/13/2022, 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 South Dakota 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 South Dakota 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 South Dakota 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 South Dakota

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

The Inn on Westport

4000 South Westport Avenue, Sioux Falls, SD, 57106

The rooms at The Inn on Westport were clean and nice sized. The facility itself was bright and airy, and the residents were pleasant. Their menu looked good, and the dining area looked spacious and in … (read more)
The rooms at The Inn on Westport were clean and nice sized. The facility itself was bright and airy, and the residents were pleasant. Their menu looked good, and the dining area looked spacious and in … (read more)

Ponderosa Lodge Senior Living

7400 S Louise Ave, Sioux Falls, SD, 57108

We went to Ponderosa Lodge Senior Living. It was all fine, but it was just for older people than we are. The person who took us around was very professional. The apartments were fine. It’s just a bunc … (read more)
We went to Ponderosa Lodge Senior Living. It was all fine, but it was just for older people than we are. The person who took us around was very professional. The apartments were fine. It’s just a bunc … (read more)

2012, 2013, 2015

Trail Ridge Senior Living Community

3408 W. Ralph Rogers Rd., Ste 100, Sioux Falls, SD, 57108

Trail Ridge Senior Living Community of Sioux Falls, South Dakota is located near I-229 with close access to churches and local zoo and The Empire Mall. Residents and guests appreciate the facility’s w … (read more)
Trail Ridge Senior Living Community of Sioux Falls, South Dakota is located near I-229 with close access to churches and local zoo and The Empire Mall. Residents and guests appreciate the facility’s w … (read more)

2013, 2016, 2022

Dow Rummel Village

1321 W Dow Rummel Street, Sioux Falls, SD, 57104

With its own mall, deli and two swimming pools, Dow Rummel Village is a unique assisted living experience. Located in the western half of Sioux Falls, South Dakota, this gorgeous facility is among the … (read more)
With its own mall, deli and two swimming pools, Dow Rummel Village is a unique assisted living experience. Located in the western half of Sioux Falls, South Dakota, this gorgeous facility is among the … (read more)

Sunnycrest Retirement Village

3900 S Terry Ave, Sioux Falls, SD, 57106

Sunnycrest Retirement Village was a nice facility. The rooms were adequate in size and they had a lot of areas where people could congregate and visit separate from their rooms. They have a nice dinin … (read more)
Sunnycrest Retirement Village was a nice facility. The rooms were adequate in size and they had a lot of areas where people could congregate and visit separate from their rooms. They have a nice dinin … (read more)

Touchmark At All Saints

111 West 17th, Sioux Falls, SD, 57104

Touchmark at All Saints sits on a lovely five-acre campus in Sioux Falls, South Dakota. Its park-like appearance bestows a natural beauty to the facility. Residents can enjoy the gorgeous surroundings … (read more)
Touchmark at All Saints sits on a lovely five-acre campus in Sioux Falls, South Dakota. Its park-like appearance bestows a natural beauty to the facility. Residents can enjoy the gorgeous surroundings … (read more)

Avera Prince of Peace Retirement Community

4504 Prince of Peace Place, Sioux Falls, SD, 57103


Good Samaritan Society – Prairie Creek

4400 Creekside Drive, Sioux Falls, SD, 57106


Independent Living Facilities in South Dakota (3)