Who are you searching for?

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 | 14531 Reviews

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

Table of contents

How much does independent living cost in Naperville, IL?
How to pay for independent living in Naperville
What families are saying about independent living in Naperville
What is independent living like in Naperville?
Naperville independent living services and amenities
Explore senior care with confidence
Unfamiliar with Naperville? Highlights for seniors
Independent living laws and regulations in Illinois

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.

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

Illinois state

$3,342/mo

U.S. national average

$3,520/mo

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

Assisted Living

$6,613/mo

Memory Care

$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 type	Naperville, IL	Illinois	U.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.

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

Location	2024 average cost	2023 average cost	Percent 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.

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:

Social Security benefits
Pension payments
Retirement account distributions (e.g., 401k, 401a and 403b, Roth, and others)
Proceeds from selling a home or other real estate
Certain kinds of life insurance policies
Proceeds from a reverse mortgage

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:

Veterans Pension or Survivors Pension
VA Disability Compensation
Dependency and Indemnity Compensation (DIC)

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.

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:

Edward Hines Jr. VA Hospital
5000 S. 5th Ave.
Hines, IL 60141
Phone: 708-202-8387

Aurora Vet Center
750 Shoreline Drive, Suite 150
Aurora, IL 60504
Phone: 630-585-1853

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

Joliet VA Clinic
1201 Eagle St.
Joliet, IL 60432
Phone: 815-740-8100

DuPage County Veterans Assistance Commission
421 N. County Farm Road
Wheaton, IL 60187
Phone: 630-407-5655
Email: dupagevac@dupagecounty.gov

Illinois Department of Veterans Affairs, DuPage County
421 N. County Farm Road, Room 2-600A
Wheaton, IL 60187
Phone: 630-690-9449

Will County Veterans Assistance Commission
1300 Copperfield Ave., Suite 200
Joliet, IL 60432
Phone: 815-740-8389
Email: vacwc@willcounty.gov

Naperville Responds For Veterans
115 E. Ogden Ave., Suite #105-PMB #335
Naperville, IL 60563
Phone: 331-684-7899
Email: info@nrfov.org

Naperville American Legion Post 43
10 W. Chicago Ave.
Naperville, IL 60540
Phone: 630-904-0602
Email: napervilleamericanlegionpost43@gmail.com

Judd Kendall VFW Post 3873
908 W. Jackson Ave.
Naperville, IL 60540
Phone: 630-420-9820
Email: vfwpost3873@gmail.com

Illinois Department of Veterans Affairs
Phone: 217-782-6641

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:

Personal care assistance
Home health care
Skilled nursing care
Therapy
Transportation
Meal support
Housekeeping
Help with activities of daily living (ADLs)

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.

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:

DuPage County Community Services
421 N. County Farm Road
Wheaton, IL 60187
Phone: 630-407-6500

DuPage County Health Department
111 N. County Farm Road
Wheaton, IL 60187
Phone: 630-682-7400

AgeGuide Northeastern Illinois
Phone: 800-528-2000

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:

Illinois Senior Health Insurance Program (SHIP)
Phone: 800-252-8966
Email: aging.ship@illinois.gov

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, ...

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 ...

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

33%

21.2%

Low / no sodium

39.2%

35.7%

No sugar

36.2%

32%

Vegetarian

37%

34.8%

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

40.6%

37.6%

Restaurant style dining

47.4%

44.8%

Room service

36%

38.2%

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

49.1%

46.5%

Pet-focused programs

34.9%

29.3%

Community service programs

38.5%

34.2%

Devotional activities on-site

53.5%

48.3%

Parties / BBQs / happy hour

53.9%

50.1%

Outings / off-site activities

60.6%

54.9%

Piano or organ

42.9%

44.2%

Arts and crafts center

44.4%

39.7%

Educational speakers / life long learning

45.3%

43%

Clubs / games / karaoke

52.4%

48.3%

Live performances

51%

48.1%

Dances

34.9%

34.3%

Fitness center

39.8%

40.7%

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.

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

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]

Walk Score

Transit Score

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.

North Central College Fine and Performing Arts hosts concerts, theater, dance, and other performances at campus venues in downtown Naperville, including Wentz Concert Hall.
DuPage Symphony Orchestra performs at Wentz Concert Hall and can be a good local option for residents who enjoy classical music.
Naperville Municipal Band offers community concerts, including summer performances in Central Park.
Naperville Community Concert Center supports local performing arts groups and community-based concerts.
Concerts in Your Park is a Naperville Park District summer music series that can be a relaxed outdoor outing for residents, friends, and visiting family.

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.

Naperville Park District active adult programs include fitness classes, social activities, day trips, and recreation options for older adults who want to stay active in the community.
Naperville Public Library has three branches with books, classes, technology help, events, and adult programs that can support lifelong learning.
College of DuPage Lifelong Learning for Adults Ages 50+ offers courses, workshops, seminars, and lectures for adults 50 and older at the nearby Glen Ellyn campus and online.
Naperville Senior Center offers activities and services for older adults, including social programs, games, exercise, meals, and other structured daytime options.

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.

References

A Place for Mom. (2026). A Place for Mom proprietary data.
Economic Research Institute. (2026, May 5). Cost of living data in Naperville, Illinois, United States.
Census Reporter. (2024). Naperville, IL.
Illinois Department on Aging. Community Care Program.
Illinois Department of Healthcare and Family Services. Illinois Persons who are Elderly waiver.
Illinois Department of Human Services. Aid to the Aged, Blind, and Disabled (AABD).
Illinois Department of Healthcare and Family Services. Illinois Supportive Living Program.
Medicare.gov. Medicare.
Walk Score. (2026). Living in Naperville.

More questions?

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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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“Molly, our Senior Living Advisor, was there every step of the way, and we could not be more grateful. Molly’s insider knowledge helped us make the best decision we could...”

- Claudia Whitaker

insider knowledge best decision

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10 Best Independent Living Facilities in Naperville, IL

Naperville Independent Living Facilities | 14531 Reviews

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14,000+ communities

350,000+ reviews

How much does independent living cost in Naperville, IL?

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

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

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

Senior living costs in Naperville vs. state and national costs

Independent living costs in Naperville, IL, over time

Independent living cost trends in Naperville, IL

How to pay for independent living in Naperville

Private pay options

VA benefits

Resources for veterans in Naperville

Medicaid

Medicaid resources in Naperville, Illinois

Medicare

Medicare resources in Naperville

What families are saying about independent living in Naperville

Recent reviews for independent living in Naperville

Reviews mention these favorite features of communities

What is independent living like in Naperville?

Private apartments with fewer household chores

An active social calendar

Dining options

Naperville independent living services and amenities

Availability of select dietary accommodations in Naperville independent living

Availability of select dining options in Naperville independent living

Availability of select programs and activities in Naperville independent living

Explore senior care with confidence

Unfamiliar with Naperville? Highlights for seniors

Top hospitals for seniors in Naperville

Transportation for seniors in Naperville

Walk Score

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Things to do in Naperville for seniors and their families

Downtown, history, and family-friendly outings

Parks, fitness, and lifelong learning

Performances, concerts, and local events

Classes, clubs, and local programming

Independent living laws and regulations in Illinois

References

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