Set along the Missouri River, Saint Charles is a vibrant and diverse community home to more than 70,800 residents. Seniors, who make up 17.1% of the population, can benefit from the city’s below-average crime rates, access to top-notch health care facilities and low cost of living. Care costs are also very affordable. According to the Genworth 2021 Cost of Care Survey, nursing home care costs in Saint Charles averages $5,627 per month, which is much less expensive than the cost of nursing home care in the average American city.
Nursing homes offer a secure environment where seniors with complex care needs can thrive. Trained caregivers and skilled nurses are on-site 24 hours a day to provide around-the-clock supervision and personal care. Depending on an individual’s level of need, personal preferences and budget, other long-term care options include assisted living and home health care.
This guide includes information about the cost of nursing home care and how it compares to other care options, as well as a list of some of the local resources available to seniors in Saint Charles.
56 Results
2885 Technology Drive, Lake Saint Louis, MO, 63367
4.6
(84 reviews)
"The rooms are beautiful and spacious. The houses are small yet open allowing residents to not feel like they are lost amongst hundreds of residents. My grandfather enjoyed the food. The nursing staff was very friendly and always greeted us. I never e..."
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3801 Mcclay Road, Saint Peters, MO, 63376
4.0
(2 reviews)
"We were going to get Mom in Mcclay Senior Care, but before she could be transported over there, she passed away. It was big and clean. The facility is only four years old. The people were nice and very accommodating for the short period of time that ..."
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600 BREEZE PARK DRIVE, St. Charles, MO, 63304
4.6
(16 reviews)
"Refund Plans: 95% of Entrance Fee; 50% Refund (Price: lower monthly fees). Also offer rental options. Assisted Living and Nursing Care on Fe..."
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1 Meramec Bluffs Drive, Ballwin, MO, 63021
3.8
(25 reviews)
"My mom stayed at the Lutheran Senior Services (Meramec Bluffs) REACH program, and then she came home with us. It is a rehab and short-stay for disability and a very nice place to stay. They give you occupational and physical therapy. There are courty..."
READ MORE5943 Telegraph Road, Saint Louis, MO, 63129
4.5
(11 reviews)
"I already have my husband placed at Bethesda Southgate. I chose it mostly for the location. I'm very satisfied with it. The food is good. They have assisted living and memory care. Also, a doctor is on staff there. ..."
READ MORE723 SOUTH LACLEDE STATION RD, Saint Louis, MO, 63119
4.3
(12 reviews)
"My mother with dimensia broke her hip. Her care was superb. The care providers were loving. The therapy provided great results and was reinforced by the rest of the care providers. The facilities were very nice. Food was great. ..."
READ MORECaring's Family Advisors are here to help you with questions about senior living and care options.
3393 McKelvey Rd., Bridgeton, MO, 63044
4.8
(5 reviews)
"The Sarah Community was nice. We toured the part that had been remodeled recently. The rooms were really big and the patients had privacy. That's our favorite place. We met people, and everybody was nice. There are a lot of retired nuns that live th..."
READ MORE14709 Olive Blvd, Chesterfield, MO, 63017
"I just had a stroke. multiple brain bleeds, and a bunch of blood clots. My independent lifestyle was turned upside down and inside out. I could not take care of myself and go back home. When I arrived here, I was kicking and screaming. I was scar..."
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253 Bradington Dr, Columbia, IL, 62236
5.0
(1 reviews)
"We liked everything at Integrity Healthcare of Columbia. They worked with us to try to get my husband in there, because that's by our house. They just didn't have any room, but let me tell you, they did everything. That is an awesome and beautiful pl..."
READ MORE4960 Laclede Avenue, Saint Louis, MO, 63108
5.0
(1 reviews)
"The staff seemed to be pretty friendly. At times, they come across and somewhat cold, but I do think part of it was due to the fact that it was so busy there. But for the most part, they were useful in helping guide us. The facility itself was nothin..."
READ MORE1201 Garden Plaza Drive, Florissant, MO, 63033
5.0
(1 reviews)
"Lakeview Post Acute is really nice and just close by. My brother is there, and I'm very pleased with what I've seen so far. They got activities for them to do every day, like movie nights, bingo, and they can get snacks anytime. They have a courtyard..."
READ MORE12380 DePaul Drive, Bridgeton, MO, 63044
5.0
(1 reviews)
"SSM Health Rehabilitation Hospital - Bridgeton was wonderful and did so much for my husband. He's walking a whole lot better now. He was there for acute rehab and got over 3 hours of therapy every day. They were so nice and very kind. The food was ex..."
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1251 N State St, Jerseyville, IL, 62052
4.5
(2 reviews)
"I am at Liberty Village of Jerseyville. Their therapy is excellent. I was in physical and occupational therapy, but I'm now in restorative. Most of the staff members are great. Some of them are excellent, and of course, some that are not. I think all..."
READ MORE13190 S Outer Forty Rd, Town And Country, MO, 63017
3.8
(13 reviews)
"I chose Mason Pointe for my husband. Right now, he's in skilled nursing there. After they evaluate him, we are hoping to get him over to the assisted living side. What I like most is the help. They are always very positive and very friendly, and that..."
READ MORE800 Chambers Road, Ferguson, MO, 63135
4.8
(4 reviews)
"My relative is at the Arbor Hills Nursing and Rehabilitation Center. The facility is clean. The staff is very friendly. They seem to care about the patients. The food appeared to be good. The building is fairly new. It is all on one level. They have ..."
READ MORE400 SOUTH STATION ROAD, Glen Carbon, IL, 62034
4.1
(8 reviews)
"My mom started in Eden Village Assisted Living six years ago. When her health rapidly declined the decision was made to transition her care to the Care Center there. I can honestly say that I love the care she receives at the facility. While I am ..."
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575 Couch Ave, Kirkwood, MO, 63122
3.7
(10 reviews)
"My husband has been at The Glen since mid-September and will transfer to an Acute Rehab Hospital today. The Glen is outstanding and provides not only the assistance with physical and occupational therapy but they are very compassionate and will do a..."
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307 South Woods Mill Road, Chesterfield, MO, 63017
"My father stayed a few weeks on the acute rehab side and then moved over to the skilled nursing care side for a few more weeks till he got strong enough to come home. First of all, the place is beautiful- both the rooms and overall facility. It is k..."
READ MORE35 Sugar Maple Lane, St. Charles, MO, 63303
3.8
(10 reviews)
"My aunt has been in NHC HealthCare St. Charles since she was released from the hospital. It was clean and small. It seemed like she would get good care there. Some of the ones we visited were so large, that there were just too many patients. She's be..."
READ MORE2939 Magazine Ave, Saint Louis, MO, 63106
4.3
(3 reviews)
"Everything is nice at Garrison Care Center. My brother is getting what he needs there. It is small, yet big enough to do what they have to do. They have bingo, and he goes fishing. The food is great; my brother loves it. The place is clean and well m..."
READ MOREIn Saint Charles, seniors typically pay $5,627 per month for semiprivate accommodations in nursing homes. Private rooms cost an average of $6,737.
Based on rates for semiprivate rooms, nursing home care in Saint Charles is slightly higher than the Missouri state median, though it is much lower than the national average. Local rates are more than $2,200 lower than the average American city.
There are several less expensive options nearby, including Columbia, where nursing home care costs $5,095 per month. Springfield and Cape Girardeau rates are comparable to the statewide average of $5,262. Jefferson City has the region’s highest nursing home costs, at a monthly average of $5,703.
Saint Charles
$5,627
Missouri
$5,262
The United States
$7,908
Columbia
$5,095
Jefferson City
$5,703
Cape Girardeau
$5,232
Springfield
$5,262
Families may wish to explore additional long-term care options for their loved ones. Adult day health care is the most affordable at $1,918 per month, followed by assisted living at $4,100. In-home care and home health care are more expensive, though they allow seniors to age in place at home. Both cost $5,482 per month. Nursing home care is offered at rates of $5,627 for semiprivate rooms and $6,737 for private accommodations.
In-Home Care
$5,482
Home Health Care
$5,482
Adult Day Health Care
$1,918
Assisted Living
$4,100
Nursing Home (semiprivate room)
$5,627
Nursing Home (private room)
$6,737
Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.
If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.
As seniors in Saint Charles age, they may require information and assistance in navigating their long-term care options. Fortunately, there are many local and regional resources able to help. These include programs to supplement the care seniors receive in nursing homes, as well as community-based services for individuals who wish to age in place at home.
| Resource | Contact | Service |
|---|---|---|
| Aging Ahead | (636) 207-0847 | Aging Ahead is one of Missouri's Area Agencies on Aging, serving seniors across St. Louis, St. Charles, Franklin and Jefferson counties. The agency coordinates and oversees a range of programs and services to address the challenges individuals aged 60 and older face as they age. Community options specialists can provide information and connect seniors with long-term care assistance, in-home services, transportation, benefits counseling and family caregiver support. Aging Ahead also operates 21 congregate meal sites and meals on wheels programs for homebound seniors. |
| St. Charles Senior Center | 636-949-0658 | The St. Charles Senior Center helps seniors stay active and connected with their local community. Participants can visit the center for nutritious meals, health screenings, options counseling and a variety of activities, including exercise classes, arts and crafts and educational presentations. All services and programs are offered free of charge. |
| Seniors Service Resources | (844) 707-3646 | Senior Service Resources is a community-based organization that provides free advice, resources and counsel to help aging adults plan for their future. Specialists can offer assistance with topics such as finances, estate planning and Medicare options and connect seniors with resources that support aging in place, including in-home care services, home modifications, mobility aids and transportation. |
| VOYCE | (314) 918-8222 | VOYCE offers a range of resources and support services to help seniors and their families navigate their long-term care options. Through the VOYCEconnect helpline, individuals can access information about levels of care, financing options and assistance with locating a facility that suits their needs. The organization also operates a long-term care ombudsman program, phone reassurance program and community education programs. |
| Legal Services of Eastern Missouri | (314) 534-4200 or (800) 444-0514 | Through its Senior Law Program, Legal Services of Eastern Missouri offers free, civil legal advice and representation to elderly individuals aged 60 and older. Some of the types of cases handled include housing issues, consumer defense, estate planning and elder abuse. The organization also hosts educational community workshops and outreach events. |
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