Memory Care Communities in St Charles, MO

Seniors in Saint Charles can expect to pay about $1,375 more than the Missouri median but about $500 less than the U.S. median. Compared to other Missouri cities, Saint Charles is one of the higher-priced locations. It costs about $2,531 more than Jefferson City, $1,952 more than Cape Girardeau and $1,625 more than Columbia. Kansas City is the only Missouri location that's more expensive. It averages $606 more than Saint Charles.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we've estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth's 2021 Cost of Care Survey.

The median cost of memory care in Saint Charles is $5,125 per month. This can vary by facility.

While many families use their own funds or personal assets to pay for memory care, there are plenty of additional options to cover these costs. Some additional ways to finance memory care costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance memory care, visit our Memory Care in Missouri page.

The cost of memory care in Saint Charles falls toward the middle compared to other care options. At the low end, adult day health care costs about $3,207 less than memory care. Assisted living is about $1,025 lower. Older adults wanting to remain at home might choose in-home care or home health care, which both cost about $357 more than memory care. For roughly $502 more per month, seniors can receive care in a nursing home setting with a semiprivate room.

In Saint Charles and throughout Missouri, the Section for Long-Term Care Regulation in the Department of Health and Senior Services oversees all long-term care facilities. The agency licenses, certifies and inspects facilities under its jurisdiction. 

• The lower overall cost of living makes Saint Charles an affordable place to live. It's 7.9% below the U.S. average cost of living. However, Saint Charles has a higher cost of living than the Missouri average, so it's not the most affordable city in the state.
• Saint Charles residents can feel secure with the relatively low crime rates. The city's violent crime ranks 16.3 on a 100-point scale, which is below the U.S. average ranking of 22.7. While property crime is a little higher at 37.7, residents of memory care facilities have additional protection with secured entrances and 24/7 staffing to keep them safe.
• Seniors in Saint Charles can receive medical care without leaving town at SSM Health St. Joseph Hospital - St. Charles. It's a Joint Commission certified Primary Stroke Center in addition to having a 24/7 emergency room and many other medical specialties.
• The number of physicians per capita is lower than average in Saint Charles. It has 98 physicians per 100,000 people, while the U.S. average is 210. However, its proximity to St. Louis and other suburbs provides easy access to additional medical providers and specialties if needed. 
• Residents of Saint Charles experience four distinct seasons, making it ideal for seniors who like a mix of weather. Memory care facilities often have secured outdoor spaces, such as interior courtyards, where residents can enjoy the changing seasons along with an average of 202 sunny days a year.