About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2026 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2026 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2026 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
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10 Best Independent Living Facilities in Naperville, IL

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The average starting cost of independent living in Naperville, Illinois, is $3,395 per month, according to A Place for Mom’s proprietary data. Based on our ranking methodology, the top-rated independent living communities in Naperville are HarborChase of Naperville, Monarch Landing, a CCRC and StoryPoint Naperville.

Independent living in Naperville offers a maintenance-free way to enjoy this western Chicago suburb with access to the Riverwalk, downtown dining, parks, forest preserves, and nearby health care. Local communities often offer private apartments, dining, activities, transportation, housekeeping, fitness programs, pet-friendly amenities, and social events. Using our local proprietary data, we created this guide to compare costs, real reviews, local resources, and senior-friendly highlights in Naperville.

Naperville Independent Living Facilities | 14549 Reviews

Showing 525 communities
Last Updated: 9/18/26
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Photo of Grand Regency of Southshore
11 Video available
1010 Photos available
6.0
Review score
10 reviews
6.0
Review score
10 reviews
5 star
60%
4 star
20%
3 star
0%
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0%
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20%
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I recommend Coles Supportive Living to relatives concerned about their loved ones well being. I went there as my last resort when really it should have been my first. One of the staff members by the name of...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Coles Supportive Living has been selected by the Illinois Department of Aging as one of the few Senior Care Facilities to be included in the State of Illinois Supportive Living Program. Coles Supportive Living Facility strives to promote dignity and independence for Seniors where a state-of-the...
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Photo of Westminster Place
99 Photos available
5 star
50%
4 star
50%
3 star
0%
2 star
0%
1 star
0%
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Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Located minutes from downtown Evanston, IL., and Northwestern University, Westminster Place is renowned not only for the beauty and livability of the campus, but also for our exceptional continuum of care. You’ll find a wide selection of inviting residences, an extraordinary array of programs and...
Photo of Victory Centre of South Chicago
77 Photos available
22 Floor plans available
6.0
Review score
6 reviews
6.0
Review score
6 reviews
5 star
66%
4 star
17%
3 star
0%
2 star
0%
1 star
17%
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The director was professional and very helpful throughout the application process. Overall I'd give it a 5. The only suggestions I would make are the following: garden maintenance should be provided along...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Our longstanding mission is to transform the way society thinks about aging and senior living. Our Victory Centre of South Chicago community is an extension of that promise. We are steadfast in our commitment to cultivate a genuine home for you or your loved one. Above all else, this is your life...
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Photo of Ten Twenty Grove
11 Photo available
5 star
40%
4 star
40%
3 star
20%
2 star
0%
1 star
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Everything is going pretty well for me with my move this community. Everyone has been very welcoming and kind. I'am pleased with all they have done for me. I'am still pretty independent, but I have access to...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Ten Twenty Grove is an independent living community that is located in Evanston, Illinois which is a part of Cook County. The one and two bedroom apartments are designed for an easy living lifestyle. The proximity to downtown Evanston gives you easy access to restaurants, shopping and medical...
Photo of Avidor Evanston, 55+ Active Adult Apartment Homes
2020 Photos available
5 star
25%
4 star
50%
3 star
25%
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On the positive side. It is a very nice facility and it is not even 2 years old. The location is great as well. Everyone is very friendly and it is very social. There are a lot of activities going on, they...
Provides: Independent Living, Senior Apartments
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Embark on your next adventure in Evanston, a growing and exciting community only 12 miles outside of Chicago. This premier 55+ active adult community features extensive amenities, designer finishes and daily events & activities. From the pool with sun deck, the fitness club to stainless steel...
Photo of Senior Suites of Hegewisch
44 Photos available
22 Floor plans available
6.5
Review score
15 reviews
6.5
Review score
15 reviews
5 star
60%
4 star
13%
3 star
7%
2 star
0%
1 star
20%
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It's a nice place peaceful and we have events Bingo we have Bible studies. Watch tv on your floor and relax there. To me it's amazing and tacos place If they love Burgers king it's near. Oh yeah family...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Imagine being able to live in a beautiful building, in a community of friends, receive monthly housekeeping services and benefit from specially designed safety features - all for one low affordable monthly rate and in the Chicago neighborhood you've called home for most of your life. As a...
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Photo of The Wealshire
66 Photos available
7.0
Review score
28 reviews
7.0
Review score
28 reviews
5 star
43%
4 star
21%
3 star
7%
2 star
11%
1 star
18%
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My mother has being in the facility for over two years, and we can said enough of the great care she has received from all the staff. We look at many facilities before and they were very impersonal and cold...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Let our 24/7 nursing care put your mind at ease at our Wealshire Plus Assisted Living Campus. Our Sheltered Care license allows us to achieve a true Continuum of Care, providing the extra "plus" care for your loved one you won't find at a standard Assisted Living. At the Wealshire, couples can...
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Photo of St. Anthony of Lansing Supportive Living
1212 Photos available
11 Floor plan available
5 star
83%
4 star
17%
3 star
0%
2 star
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1 star
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I would give each one a "5". The people are great, I don't know about the food but [name removed] seems to like it and even though he smells ( hues fault) it's clean. I would recommend this community to...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
St. Anthony of Lansing is an assisted living community located in the exciting city of Lansing, IL. When people visit Lansing, they are struck by how close the city is to all of the major freeways in the area, and how perfect the weather is throughout the year. This is the type of community where...
Photo of Arbor Terrace Highland Park
1111 Photos available
5 star
60%
4 star
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This is the place to go for a community for your loved one. The meals are gourmet and as much as the residents want, and the meals are served in a beautiful dining room. The community has lots of...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Arbor Terrace Highland Park is a vibrant community designed to help older people enjoy the benefits of an active lifestyle and experience greater well-being. The community offers spacious studio, one- and two-bedroom apartments, most with a kitchenette. Residents enjoy amenities including...
Photo of Victory Centre of Vernon Hills
1111 Photos available
33 Floor plans available
5 star
36%
4 star
56%
3 star
4%
2 star
0%
1 star
4%
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In house visiting nurse practitioner is excellent. Executive staff is trying; much upheaval. Polite and helpful initial entry. Clean and organized. Safe. Nursing staff is non-communicative. Dining is...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Our longstanding mission is to transform the way society thinks about aging and senior living. Our Victory Centre of Vernon Hills community is an extension of that promise. We are steadfast in our commitment to cultivate a genuine home for you or your loved one. Above all else, this is your life...
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Photo of St James Manor and Villas
2222 Photos available
5 star
34%
4 star
25%
3 star
8%
2 star
8%
1 star
25%
See all reviews
The physical therapy team were so kind and gentle with me. Nursing staff were fast and efficient. They took time to talk to me often about my care and what's happening. I wish they could accept VA benefit.
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Have you noticed that something doesn't seem right with mom or dad these days?  It could be subtle or it could be something that's pretty obvious. Regardless, you've turned to the Internet in 2008 for a reason and St. James Manor & Villas can get your loved one the help he or she needs...
Photo of Shepherd of Crystal Lake
11 Photo available
5 star
100%
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Like most people in this situation, this was a difficult situation for our family. The people at Shepherd Premier eased our concerns immediately. We went from terrified to excited about my dad moving in. He...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Shepherd Premier Living Crystal Lake II offers assisted living and memory care to seniors and their families in and around Crystal Lake, Illinois. In the quiet rolling green fields and white picket fences of Crystal Lake, it’s easy to forget that this is a suburb of Chicago. But if residents or...
Photo of Village Woods Christian Retirement Community
1313 Photos available
5 star
66%
4 star
17%
3 star
17%
2 star
0%
1 star
0%
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My Mom has lived at Village Woods for a going on 6 years. She loves it there. All the staff is so friendly and nice to her. She has been in Assisted Living for almost 4 years. She loves the activities,...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Village Woods is a Providence Life Services Community. Providence, a non-profit organization, has been committed to providing quality senior living options to those entrusted to our care in Michigan, Illinois, and Indiana for over a century. Our organization offers Independent Living, Assisted...
Photo of Lake Forest Place Independent Living, a CCRC
1616 Photos available
7.0
Review score
4 reviews
7.0
Review score
4 reviews
5 star
0%
4 star
50%
3 star
25%
2 star
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1 star
25%
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I would say worth the money, if you take advantage of full range of services. Very responsive staff - nice facility.
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
For today’s independent older adults, Presbyterian Homes’ Lake Forest Place is a Life Plan Community with the perfect combination of sophisticated retirement living and total peace of mind. Located on 60 beautifully wooded acres, Lake Forest Place offers apartment and cottage residences just...
Photo of Heritage Woods of McHenry
1919 Photos available
22 Floor plans available
5 star
33%
4 star
40%
3 star
7%
2 star
7%
1 star
13%
See all reviews
We are happy that our in-laws are happy at Heritage Woods because that was a big concern for us. The are starting to make friends and join in all the activities which helps get them out of their room. They...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Heritage Woods of McHenry opened July 2008 in McHenry — the Heart of the Fox River. Our 100 apartment certified IL Supportive Living Community is managed by BMA Management, Ltd. The emphasis is on operating communities for those over 65 years of age that are warm and welcoming as well as...
Photo of Riverside Residence
1212 Photos available
5 star
50%
4 star
26%
3 star
13%
2 star
8%
1 star
3%
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My mom is currently a resident at Riverside Residence and everything has been very good. I would recommend this facility to others. We have been very happy with them and mom has been, too!
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
WHAT WE ARE AND WHAT WE DORIVERSIDE RESIDENCE is an Independent Senior Living Community located in downtown McHenry amidst restaurants, bar, coffee shops and retail. The Fox River is our neighbor with its joyful boating life. RIVERSIDE RESIDENCE is “Senior Living at its Very Best”, a haven of...
Photo of Woodstock Senior Lane
44 Photos available
5 star
67%
4 star
33%
3 star
0%
2 star
0%
1 star
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Amazing experience thanks for all the help
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
**Income Restricted Senior Community**We have available 1 and 2 Bedroom Apartment Homes. Maintenance Free!Friendly staff and management.
Photo of Heritage Woods of Ottawa
1919 Photos available
33 Floor plans available
5 star
62%
4 star
38%
3 star
0%
2 star
0%
1 star
0%
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The staff makes this place. They are kind and compassionate, professional and attentive. Meals are good, but love when they do special treats! Covid has made it challenging for activities, but I’m hoping...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Heritage Woods of Ottawa is an Assisted Living Community convienently located near several interstates and state routes for easy traveling. Heritage Woods is nestled near a residential area close to shopping, grocery and governmental services.
Photo of Shepherd of Gurnee
1313 Photos available
5 star
67%
4 star
0%
3 star
0%
2 star
0%
1 star
33%
See all reviews
My friend has lived at Shepherd Premier Senior Living for 3 months. A small boutique center where she is well cared for. Private, clean rooms, attentive staff, meals prepared by staff. They respond to her...
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Photo of Oak Hill Supportive Living
1313 Photos available
22 Floor plans available
5 star
68%
4 star
19%
3 star
13%
2 star
0%
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0%
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Our mother has been living at Oak Hill for 2 years and we are very happy with the care she receives. The staff is very attentive and friendly with her and us. The residents are all very friendly and...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Dedicated to Good LivingOur longstanding mission is to transform the way society thinks about aging and senior living. Our Oak Hill Supportive Living community is an extension of that promise. We are steadfast in our commitment to cultivate a genuine home for you or your loved one. Above all...
See details
Photo of Heritage Woods of Gurnee
2323 Photos available
22 Floor plans available
5 star
34%
4 star
24%
3 star
6%
2 star
18%
1 star
18%
See all reviews
She likes living in her apartment at heritage Woods. The staff helps my mom every day. She is grateful for the nursing staff as they help her when she needs it. She has adjusted quite well to not living on...
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
The Heritage Woods of Gurnee assisted living facility is located in the gorgeous city of Gurnee, IL. For many years now, this city has been known for its astonishing natural beauty located near the banks of the Des Plaines River. There are also a number of places where residents can shop and dine...
Photo of Pleasant View Lutheran Home
1414 Photos available
5 star
0%
4 star
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Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Pleasant View offers vibrant, grace-filled senior living through Villa Homes, Hearthstone Assisted Living, MyTapestry Memory Support, Healthcare and Rehabilitation services. Learn more about our exceptional community, where life flourishes!•The only retirement community in the area with a full...
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Photo of Belvedere Senior Housing
2323 Photos available
22 Floor plans available
5 star
0%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
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Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Ignite Medical Resort Crown Point
1111 Photos available
2.0
Review score
1 review
2.0
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1 review
5 star
0%
4 star
0%
3 star
0%
2 star
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Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Symphony of Crown Point offers seniors a licensed assisted living community in Crown Point, IN that they can call home. This community provides an excellent location to those seniors who are looking for a safe and caring place to call home. Crown Point is a part of Lake County, and it offers much...
Photo of Wittenberg Village, a CCRC
1717 Photos available
5 star
66%
4 star
19%
3 star
10%
2 star
0%
1 star
5%
See all reviews
Although Wittenberg Village has experienced some recent changes, the community is a perfect fit for my mom and the other residents. The activities keep her busy, and she really enjoys all of the extra...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.

Our methodology

How we rank order the Naperville community options above

We developed a proprietary recommendation system that orders Naperville community options based on factors we know are important to seniors and their families:

  • Proximity to your search location
  • Availability of recent, high-quality reviews
  • The amount of detailed community information available

Where we source our information

14,000+ communities

We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information

350,000+ reviews

We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities

Read our full methodology

How much does independent living cost in Naperville, IL?

The average starting cost of independent living in Naperville is $3,395 per month, according to A Place for Mom’s proprietary data.[01] This figure is based on starting base rent and may not include care services, premium amenities, upgraded floor plans, third-party services, or other extras.

Your actual monthly cost can vary based on the community’s location, apartment size, floor plan, amenities, dining package, transportation options, and add-on fees. Some communities may also charge separately for guest meals, salon services, or upgraded in-unit features.

The average cost of independent living in Naperville is higher than both the Illinois average of $3,342 and the national average of $3,520. Naperville’s overall cost of living is about 7% higher than the national average and 3% higher than the average for Illinois cities, according to the Economic Research Institute.[02]

Independent living in Naperville also starts higher than assisted living at about $6,058 per month and memory care at about $6,131 per month. This pricing pattern can happen because independent living starting rates often bundle housing, amenities, dining, maintenance, lifestyle programming, and convenience services. Assisted living and memory care may start with a lower base rate and then add separate fees for personal care or dementia-focused support.

Read more: Assisted Living vs. Independent Living: What’s the Difference?

The charts below are also based on average starting costs and do not include fees for care services, certain amenities, and any other extras.

Independent living costs in Naperville, IL, vs. state and national averages

Naperville, IL
$3,395/mo
U.S. national average
$3,520/mo

Independent living costs in Naperville, IL, vs. other senior living options

$7,913/mo
Independent Living
$3,395/mo

Independent living costs in Naperville, IL, by floor plan type

Studio
$2,834/mo
1 Bedroom
$4,046/mo
2 Bedroom
$5,049/mo

Senior living costs in Naperville vs. state and national costs

Cost comparison table showing community type costs by location. This table contains 3 rows of data across 4 columns.
Column communityType: Community type
Column destination: Naperville, IL
Column state: Illinois
Column national: U.S.
Community typeNaperville, ILIllinoisU.S.
Independent Living$3,395/mo$3,342/mo$3,520/mo
Assisted Living$6,613/mo$6,329/mo$5,830/mo
Memory Care$7,913/mo$7,681/mo$6,999/mo
Independent Living
Naperville, IL:$3,395/mo
Illinois:$3,342/mo
U.S.:$3,520/mo
Assisted Living
Naperville, IL:$6,613/mo
Illinois:$6,329/mo
U.S.:$5,830/mo
Memory Care
Naperville, IL:$7,913/mo
Illinois:$7,681/mo
U.S.:$6,999/mo
Table showing 5 of 3 items. Click to show less.
Table showing 5 of 3 items. Click to show less.

Independent living costs in Naperville, IL, over time

The line graph below shows how monthly independent living costs have shifted over the past five years in Naperville and how those changes compare with state and national trends. The figures represent quarterly averages of what seniors actually paid after moving into A Place for Mom partner communities.

Naperville, ILIL stateNational

Independent living cost trends in Naperville, IL

The table below shows how monthly independent living costs in Naperville have changed in the last two years and how those changes compare with state and national trends. The figures represent averages of actual costs paid by seniors who moved into A Place for Mom partner communities in 2023 and 2024.

Cost comparison table showing 2023 and 2024 average costs by location. This table contains 3 rows of data across 4 columns.
Column location: Location
Column cost2024: 2024 average cost
Column cost2023: 2023 average cost
Column percentChange: Percent change
Location2024 average cost2023 average costPercent change
Naperville, IL$3,249/mo$3,092/mo+5.1%
Illinois$3,221/mo$3,061/mo+5.2%
National$3,416/mo$3,319/mo+2.9%
Naperville, IL
2024 average cost:$3,249/mo
2023 average cost:$3,092/mo
Percent change:+5.1%
Illinois
2024 average cost:$3,221/mo
2023 average cost:$3,061/mo
Percent change:+5.2%
National
2024 average cost:$3,416/mo
2023 average cost:$3,319/mo
Percent change:+2.9%
Table showing 5 of 3 items. Click to show less.
Table showing 5 of 3 items. Click to show less.

How to pay for independent living in Naperville

Since independent living focuses on housing, convenience, amenities, dining, transportation, and social connection rather than personal or medical care, most residents pay out of pocket. Public benefits may help with eligible health care or support services separately if you later need assistance, but they generally do not pay for independent living rent, meals, or lifestyle amenities.

Private pay options

Residents often use personal income and assets to cover independent living costs. Common private pay options include:

Read more: How to Pay for Independent Living: 5 Methods

VA benefits

The U.S. Department of Veterans Affairs (VA) offers pension, disability, health care, and survivor benefits for eligible veterans and their families. VA benefits do not typically pay independent living rent directly, but they may help with income, health care, or eligible services that support your retirement budget.

Common VA benefits that may help include:

If you eventually need assistance while living in an independent living apartment, certain services through VA health benefits, such as home care, may be provided where you live. You may also qualify for the Aid and Attendance benefit to help pay for eligible care services.

VA applications may involve military, medical, and financial records. A VA-accredited benefits counselor or local veterans service officer can help you understand eligibility and reduce the risk of delays, denials, or a pension penalty period.

Read more: VA Aid and Attendance Benefit: Eligibility, Application Process, and Approval Tips

Resources for veterans in Naperville

Naperville is home to nearly 3,000 veterans, or 2.5% of the city’s population.[03] To help these veterans and their families access the benefits and care they’ve earned, several local organizations and agencies provide personalized assistance and support, such as:

  • Aurora VA Clinic
    161 S. Lincolnway, Suite 120
    North Aurora, IL 60542
    Phone: 630-859-2504

Medicaid

Medicaid is a joint federal and state program that helps eligible people pay for health care and long-term support. In Illinois, older adults may qualify through the Community Care Program, the Persons who are Elderly Waiver, Aid to the Aged, Blind, and Disabled (AABD), or the Supportive Living Program.[04,05,06,07]

Illinois Medicaid does not pay for independent living rent, meals, room and board, or lifestyle amenities. However, if your needs change, these programs may help cover eligible care services you receive in your apartment or another community setting. Depending on the program, covered services may include:

Eligibility varies by program, but it often depends on your age, income, assets, care needs, and whether you meet a nursing facility level of care. Some waiver programs may also have limited provider availability or waiting lists, so it’s best to confirm current options before including Medicaid in your independent living budget.

Read more: Medicaid Long-Term Care: What Is It and What’s Covered?

Medicaid resources in Naperville, Illinois

To apply for Illinois Medicaid, elderly residents of Naperville can:

  • Apply online through Application for Benefits Eligibility (ABE)
  • Call the Illinois Department of Human Services Help Line at 800-843-6154
  • Visit a local Family Community Resource Center
  • Mail, email, or fax a completed application after downloading the proper form

If you have questions about eligibility, need help completing an application, or want to check on the status of a submission, these local resources may be able to help:

Medicare

Medicare is federal health insurance for adults 65 and older, as well as some younger people who have qualifying disabilities or medical conditions.[08] Medicare does not pay for independent living rent, meals, housing, or lifestyle amenities.

You can still use Medicare for approved medically necessary services while living in an independent living community. This may include doctor visits, hospital care, prescription medications, durable medical equipment, therapy, or short-term home health care if you meet Medicare’s eligibility requirements.

Medicare resources in Naperville

For free and unbiased information about Medicare benefits, elderly residents in Naperville can contact:

What families are saying about independent living in Naperville

Recent reviews for independent living in Naperville

Liberty Village in Elmhurst, IL

5.0
I could not be happier with the Liberty Village community is every regard. [name removed] and [name removed] has been amazing and I am very happy that my father is there. Based on the experience we have had so far, we would recommend this community to other families.

Wittenberg Village, a CCRC in Crown Point, IN

4.7
I moved in and liked it so much I bought a second apartment for my mother! The staff is the most caring I have ever encountered and the facility is top-notch. Hope to meet you soon.

Lakeland Apartments in Fox Lake, IL

5.0
We think this is a really good community and every time we come to visit things look clean and well taken care of. The outside of the building and everything around it is well maintained. The property manager [name removed] has been so wonderful to work with. She has been very helpful, ...
Read more

Reviews mention these favorite features of communities

Friendly and helpful staff. Many reviews mention the kindness and attentiveness of the staff at various communities, including The Timbers of Shorewood, Lisle Creek Estates, and Prairie Path, who go the extra mile to make residents and their families feel welcome and supported.
Community atmosphere and friendships. Residents often speak of forming strong bonds with their neighbors and new friends at their communities, such as Wyndemere, a CCRC, Brookdale Glen Ellyn, and The Luxe Residences of Aurora, creating a sense of belonging and community.
Variety of activities and social opportunities. Activities and social events are a key aspect of life at many senior living communities, including Monarch Landing, a CCRC, American House Cedarlake, and Immanuel Residences, where residents can engage in hobbies, learn new skills, and meet others with similar interests.
Delicious and accommodating meals. Meals are a highlight for many residents, with communities like StoryPoint Naperville, The Timbers of Shorewood, and American House Cedarlake offering nutritious and flavorful options that cater to individual dietary needs and preferences.
Beautiful and well-maintained living spaces. From spacious apartments to well-manicured grounds, the physical environment of a senior living community is important, with communities like The Luxe Residences of Aurora, Alden Horizon, and The Lakes and Superior at Waterford offering attractive and clean living spaces that residents tak ...
Read more
Effective communication between families and staff. Clear and consistent communication between families and staff is crucial for peace of mind and ensuring care needs are met, as mentioned in reviews for Monarch Landing, a CCRC, Brookdale Glen Ellyn, and Lisle Creek Estates.
AI generated from the text of family reviews

What is independent living like in Naperville?

Naperville gives independent living residents a suburban setting with easy access to restaurants, parks, trails, shopping, health care, and Chicago-area transportation. Local communities can help make that lifestyle easier by taking care of chores like maintenance, housekeeping, dining, and some transportation, while still giving you your own private space and routine.

Private apartments with fewer household chores

Many Naperville independent living communities offer apartment-style homes with practical features for everyday comfort. Of A Place for Mom’s partner communities, nearly 95% offer housekeeping, Wi-Fi or high-speed internet, and kitchen options, while about 89% offer wheelchair-accessible showers. All partner communities offer resident parking, indoor and outdoor common areas, libraries, meeting rooms, outside patios, and raised garden beds.[01]

An active social calendar

Naperville communities offer plenty of ways to stay busy without having to plan every outing yourself. All local partner communities with reported data offer day trips and outings, happy hours, live dance or theater performances, educational speakers or lifelong learning, trivia games, BBQs or picnics, birthday parties, and holiday parties.[01]

Many communities also support hobbies and wellness. Nearly 95% offer yoga or chair yoga, live musical performances, and gardening clubs, while nearly 90% offer wine tasting, cards or pinochle clubs, and community service programs.[01]

Dining options

Dining is a major part of independent living in Naperville. Nearly 95% of local partner communities with reported data provide meals, guest meals, and restaurant-style dining, while about 84% have a professional chef. Many also offer dietary accommodations such as low-sodium, vegetarian, gluten-free, no-sugar, and vegan options.[01]

Naperville independent living services and amenities

These charts highlight some of the many care, dining, and entertainment offerings available in Naperville independent living communities. They don’t represent all possible services and amenities available at assisted living communities in Naperville, but support comparisons against nationwide offerings. Our Senior Living Advisors can help you find communities that fit your preferences.

Availability of select dietary accommodations in Naperville independent living

Independent living communities help seniors maintain a balanced diet by accommodating their health needs, allergies, and other restrictions. Below you’ll find the percentage of Naperville partners making specific dietary accommodations for seniors compared to the percentage of assisted living partners making those accommodations nationally.
Naperville, ILNational
Nutritionist / dietician
Nutritionist / dietician
33%
21.2%
Low / no sodium
Low / no sodium
39.2%
35.7%
No sugar
No sugar
36.2%
32%
Vegetarian
Vegetarian
37%
34.8%
Pureed meals
Pureed meals
16%
11.7%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select dining options in Naperville independent living

Our independent living communities know that seniors want top-quality meals and options for how they dine. The chart below indicates the percentage of Naperville communities that offer dining options to their discerning residents compared to our partners nationally.
Naperville, ILNational
Professional chef
Professional chef
40.6%
37.6%
Restaurant style dining
Restaurant style dining
47.4%
44.8%
Room service
Room service
36%
38.2%
Anytime dining
Anytime dining
17.5%
17.8%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select programs and activities in Naperville independent living

Senior living communities offer a variety of programming to keep seniors socially, mentally, and physically vibrant. The chart below shows what percentage of partnered independent living communities in Naperville offer the selected activities, amenities, and programs compared to the percentage of partners nationwide.
Naperville, ILNational
Activity director
Activity director
49.1%
46.5%
Pet-focused programs
Pet-focused programs
34.9%
29.3%
Community service programs
Community service programs
38.5%
34.2%
Devotional activities on-site
Devotional activities on-site
53.5%
48.3%
Parties / BBQs / happy hour
Parties / BBQs / happy hour
53.9%
50.1%
Outings / off-site activities
Outings / off-site activities
60.6%
54.9%
Piano or organ
Piano or organ
42.9%
44.2%
Arts and crafts center
Arts and crafts center
44.4%
39.7%
Educational speakers / life long learning
Educational speakers / life long learning
45.3%
43%
Clubs / games / karaoke
Clubs / games / karaoke
52.4%
48.3%
Live performances
Live performances
51%
48.1%
Dances
Dances
34.9%
34.3%
Fitness center
Fitness center
39.8%
40.7%
Fitness classes
Fitness classes
50.1%
47.6%
0.0%20.0%40.0%60.0%80.0%100%

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Unfamiliar with Naperville? Highlights for seniors

Naperville is a western Chicago suburb with more than 153,000 residents, and adults 65 and older make up 18% of the population.[03] For independent living residents, the city offers a practical mix of nearby hospitals, parks, libraries, restaurants, shops, community programs, and transportation options.

Top hospitals for seniors in Naperville

Naperville and nearby western suburbs have several hospitals and medical centers that can support routine care, specialist visits, emergency care, rehabilitation, and other health needs during retirement.

A graphic of a capital letter H in a circle

Edward Hospital is located in Naperville and offers emergency care, surgery, heart and vascular care, cancer care, orthopedics, rehabilitation, and other specialty services.

A graphic of a capital letter H in a circle

Northwestern Medicine Central DuPage Hospital in nearby Winfield provides emergency care, specialty care, surgery, rehabilitation, and services across several areas important to older adults.

A graphic of a capital letter H in a circle

RUSH Copley Medical Center in Aurora offers emergency services, heart care, cancer care, orthopedics, surgery, rehabilitation, and other hospital services west of Naperville.

Transportation for seniors in Naperville

Many independent living residents use community transportation for appointments, errands, shopping trips, and group outings. In Naperville, nearly 95% of A Place for Mom’s independent living partners provide complimentary transportation, while about 63% offer transportation at cost.[01]

Public and community-based options are also available. Metra provides commuter rail service from Naperville and Route 59 stations, and Pace operates local and regional bus service. Ride DuPage offers curb-to-curb transportation for eligible older adults and people with disabilities, while Ride Assist Naperville provides volunteer rides to medical appointments for registered older adults.

WalkScore considers Naperville a car-dependent city and gives it the following scores:[09]

Transportation card image
34

Walk Score

Transportation card image
12

Transit Score

Transportation card image
45

Bike Score

Things to do in Naperville for seniors and their families

Naperville offers a mix of walkable downtown outings, cultural attractions, parks, performances, and local programs that can work well for independent living residents, visiting friends, and family members.

Downtown, history, and family-friendly outings

Downtown Naperville has several easygoing places to explore, whether you want a quiet walk, a casual meal, a history-focused afternoon, or an outing with grandchildren.

  • The Naperville Riverwalk gives residents and visitors a scenic place to walk, sit, people-watch, and enjoy the DuPage River close to downtown shops and restaurants.
  • Downtown Naperville offers restaurants, cafes, boutiques, seasonal events, and walkable streets for relaxed shopping or dining with friends and family.
  • Naper Settlement is a 13-acre outdoor history museum with exhibits, programs, and historic buildings that can appeal to older adults and multigenerational visitors.
  • DuPage Children’s Museum can be a good option for residents spending time with grandchildren, with hands-on exhibits and family programming.
  • Millennium Carillon in Moser Tower is located near the Riverwalk and offers another local landmark to visit when you want a short outing close to downtown.

Parks, fitness, and lifelong learning

If you enjoy fresh air, gardens, birds, or gentle walking paths, Naperville and nearby DuPage County have several outdoor spaces that work well for solo visits, group outings, and family time.

  • Knoch Knolls Nature Center offers nature exhibits, trails, and a quieter setting for residents who enjoy birds, plants, and time outdoors.
  • Springbrook Prairie Forest Preserve is a large Naperville preserve with trails, prairie views, birding, and picnic areas.
  • The Morton Arboretum in nearby Lisle offers gardens, walking paths, seasonal displays, classes, and scenic drives through tree collections and natural areas.
  • Cantigny Park in nearby Wheaton offers gardens, museums, walking areas, restaurants, and events in a setting that can work well for a half-day outing.
  • Centennial Beach is a seasonal Naperville Park District facility that may be a fun option for residents visiting with grandchildren during the summer.

Performances, concerts, and local events

Naperville has several indoor and outdoor venues that make it easy to enjoy music, theater, community events, and seated entertainment close to home.

Classes, clubs, and local programming

If you want to explore programs beyond your independent living community, Naperville has several places to find fitness classes, book clubs, adult education, volunteer opportunities, and community activities.

Independent living laws and regulations in Illinois

Independent living communities aren’t typically licensed or regulated in the same way as assisted living and memory care communities. However, these communities must often meet state and city requirements, including building codes, fire safety regulations, and tenant rights laws that protect residents and renters. Learning about how independent living is regulated can help you make informed senior living decisions.

Read more: Independent living regulations in Illinois

Frequently Asked Questions

The average cost of independent living in Naperville, Illinois, is $3,395 per month.
No, Medicare will not pay for independent living rent, meals, or lifestyle amenities in Naperville. It may still cover approved medical services you receive while living in an independent living community.
Social Security does not have a special independent living benefit, but you can use your personal Social Security income toward independent living costs.
Illinois Medicaid may cover certain medically necessary home- and community-based services for eligible residents, but it will not pay for independent living room and board, rent, meals, or lifestyle amenities.

References

  1. A Place for Mom. (2026). A Place for Mom proprietary data.

  2. Economic Research Institute. (2026, May 5).  Cost of living data in Naperville, Illinois, United States.

  3. Census Reporter. (2024). Naperville, IL.

  4. Illinois Department on Aging. Community Care Program.

  5. Illinois Department of Healthcare and Family Services. Illinois Persons who are Elderly waiver.

  6. Illinois Department of Human Services. Aid to the Aged, Blind, and Disabled (AABD).

  7. Illinois Department of Healthcare and Family Services. Illinois Supportive Living Program.

  8. Medicare.gov. Medicare.

  9. Walk Score. (2026). Living in Naperville.

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The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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1.

A Place for Mom. (2026). A Place for Mom proprietary data.

2.

Economic Research Institute. (2026, May 5).  Cost of living data in Naperville, Illinois, United States.

3.

Census Reporter. (2024). Naperville, IL.

4.

Illinois Department on Aging. Community Care Program.

5.

Illinois Department of Healthcare and Family Services. Illinois Persons who are Elderly waiver.

6.

Illinois Department of Human Services. Aid to the Aged, Blind, and Disabled (AABD).

7.

Illinois Department of Healthcare and Family Services. Illinois Supportive Living Program.

8.

Medicare.gov. Medicare.

9.

Walk Score. (2026). Living in Naperville.