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The vibrant, multicultural city of St. Charles is popular with retirees thanks to its warm summers and mild winters that are ideal for exploring the historic downtown district and the city’s 4,700+ acres of parkland. Of St. Charles’ 70,820 inhabitants, 17.1% are adults aged 65 and older. These retirees can take advantage of the city’s below-average cost of living.
If you require some help with daily tasks, you may want to consider assisted living. Residential facilities typically provide 24/7 assistance with activities of daily living and feature amenities and wellness programs to help residents live an active and independent lifestyle. Assisted living in St. Charles costs an average of $4,100 per month. Although well above the Missouri average, this rate is $400 less than the U.S. median of $4,500.
This guide discusses the cost of assisted living in St. Charles and how it compares to the rest of Missouri. We also look at resources in the local area that help seniors live independently within the community.
Hundreds of thousands of American seniors utilize assisted living, a figure that is only growing. For these seniors, assisted living combines residential housing,assistance in daily activities, and some healthcare. These communities also strive to provide an atmosphere that is comfortable and engaging for their residents… Read More >
COVID-19 restrictions and rules for Assisted Living Facilities are typically set by the state – to see the rules in your state, you can read our guide to Assisted Living in Missouri. Keep in mind that there may be other policies that communities put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.
Genworth’s Cost of Care Survey 2021 lists the average cost of assisted living in St. Charles as $4,100 per month.
Monthly assisted living rates in St. Charles are well above the Missouri median of $3,000. However, at $4,100, they’re $400 less than seniors pay in other parts of the U.S. The national average is $4,500.
Overall, assisted living in Missouri is very affordable when compared to the rest of the United States. At $4,100, rates in St. Charles are among the most expensive in the state. It’s only beaten by Kansas City where the average cost is $4,585 per month. The cheapest assisted living options can be found in the state capital where Jefferson City seniors pay $2,075. Just north of Jefferson City, assisted living facilities in Columbia charge $2,800 while those to the south in Springfield charge $3,250. Rates in St. Joseph are closer to those in St. Charles at $3,875 per month.
Note: Data for St. Charles was unavailable, so data for the nearest city, St. Louis, was used instead.
Since not everyone can afford to pay for assisted living out-of-pocket, it’s important to find alternative methods to help make assisted living more affordable. Some of these options include:
For more information about your options for making assisted living more affordable, visit our guide to Assisted Living in Missouri.
| Resource | Contact | Service |
| Senior Service Resource | (844) 707-3646 | Senior Service Resource provides support to older adults in St. Charles and St. Louis counties. It connects seniors with resources in the local area that advise on issues, such as Medicare, financial and insurance planning, transportation, health care and long-term care. Seniors can listen to a number of radio programs and podcasts on the organization’s website that discuss senior issues. |
| Project Veteran Aid | (636) 724-0404 | St. Charles seniors who have served in the U.S. military can access free advice from Project Veteran Aid. It helps vets and their surviving dependents by educating them on Department of Veterans Affairs benefits, especially Aid and Attendance and non-service-connected disability pensions. The organization also connects vets with attorneys who can assist in claiming any allowable benefits. |
| Aging Ahead | (636) 207-0847 | Aging Ahead is the region’s Area Agency on Aging. It supports the older population of St. Charles, St. Louis, Franklin and Jefferson counties. Programs and services are available to St. Charles seniors aged 60 and older through the Saint Charles Senior Center. In addition to regular congregate meals where seniors can socialize with peers, the center offers healthy living programs, benefits assistance, options counseling and caregiver support. |
| ITN Gateway | (636) 329-0888 | ITN Gateway provides low-cost transportation in St. Charles to adults aged 60 years or older and those with a disability. Seniors can prepay for transportation and request door-to-door rides in private automobiles. The service is available 24/7, and the volunteer drivers can assist riders as needed. This nonprofit organization also offers a Ride-and-Shop program that provides discounts to local businesses. Its CarTrade program lets members trade in their unused cars for travel credits. |
| VOYCE | (314) 918-8222 | VOYCE educates seniors, their loved ones and the wider community on long-term care through a number of programs. Licensed professionals advise on topics like finances and care options through the VOYCEconnect Helpline. The Friendly VOYCE program engages long-term care residents in meaningful activities to help alleviate loneliness and depression. VOYCE also acts as a long-term care ombudsman by advocating for and representing the interests of seniors in long-term care communities. |
| St. Charles City-County Library Senior Program | (636) 441-2300 | St. Charles City-County Library runs the Library to You program to ensure that all local seniors who are unable to visit the library have access to books and other materials by delivering them directly to their homes. The library also partners with the OASIS Institute to provide technology classes. Seniors can sign up for classes covering basic computer skills, internet searches, social networking and smartphones. |
Assisted Living Facilities in the St. Charles area are required to follow a set of rules and regulations that are determined at the state level. For an overview of those rules and regulations, see the information below. For more specific information, talk with your local community or Area Agency on Aging.
