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
Senior Living Awards
Add Review
(866) 374-4058
Talk to a local advisor for FREE
Senior Living Home

10 Best Independent Living Facilities in St. Louis, MO

Answer a few questions to get personalized results
Who are you searching for?

The average starting cost of independent living in St. Louis, Missouri, is $3,659 per month, according to A Place for Mom’s proprietary data. Based on our ranking methodology, the top-rated independent living communities in St. Louis are Tower Grove Manor, Regency Manor and Garden Villas of O'Fallon.

Independent living in St. Louis can help you enjoy more of the city while spending less time on home and yard maintenance or cooking. Local communities often offer apartment-style homes, dining, housekeeping, social events, fitness options, and scheduled outings to nearby museums, parks, restaurants, and entertainment venues. Using our local proprietary data, we created this guide with details about independent living in St. Louis, reviews from real residents, average senior living costs, payment options, local resources, and senior-friendly highlights around the city.

St Louis Independent Living Facilities | 2233 Reviews

Showing 118 communities
Last Updated: 9/29/26
Sort by
Filter by
Review Score
Distance
See communities with
Amenities
Providers
Photo of EverTrue Laclede Groves
11 Photo available
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
Marvelous facility! My mom lived at Laclede Groves for the last 3 years of her life. From her 90th birthday party in the first month of her stay to her last week in Laclede’s hospice care, our family was...
Provides: Assisted Living, Memory Care, Independent Living, Home Care, Nursing Homes
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.
Home Care: Home care relies on trained aides to provide companionship and non-medical care for seniors living at home.
Nursing Homes: Nursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.
Photo of The Estates of Hidden Lake
22 Photos available
5 star
66%
4 star
17%
3 star
17%
2 star
0%
1 star
0%
See all reviews
So far my experience has been great. It came just when the family needed it and it has been a godsend to me. The Head of Nurse is very informative and keeps communication open with the family. The staff...
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.
The Estates of Hidden Lake, (CCRC), offering the peace of mind that comes with knowing your'll enjoy priority access to additional levels of care should your needs ever change.Independent Living: Thirty two distinctive cottage homes or select from a one or two bedroom apartment. Which suits...
Photo of Brookdale Creve Coeur
1818 Photos available
88 Floor plans available
6.3
Review score
51 reviews
6.3
Review score
51 reviews
5 star
59%
4 star
29%
3 star
10%
2 star
0%
1 star
2%
See all reviews
My mom could answer these better since she lives there, but these are my responses. Brookdale Creve Coeur has been just the right choice for my Mom. She is safe, comfortable, and surrounded by new friends.
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.
A Life Well LivedWho wants to spend their golden years sitting around and twiddling their thumbs? Or drowning under the weight of household chores? Instead of wasting your time or feeling lonely and isolated, you can enjoy a retirement rich in exciting activities, delicious dining, quality care...
See details
Photo of Nazareth Living Center
44 Photos available
3.0
Review score
6 reviews
3.0
Review score
6 reviews
5 star
50%
4 star
17%
3 star
33%
2 star
0%
1 star
0%
See all reviews
My father and sister have both been to Nazareth. I cannot thank them enough for their compassion and care. [name removed] in admissions went over and above in helping us deal with the financial end and [name...
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.
Nazareth Living Center provides assisted living for seniors in St. Louis, Missouri. The community is situated in a tranquil neighborhood in the South County region of the St. Louis suburbs, just a few minutes from the junction of highways 55, 255 and 270. The surrounding neighborhood features...
See details
Photo of The Sarah Community
1414 Photos available
2.0
Review score
9 reviews
2.0
Review score
9 reviews
5 star
56%
4 star
11%
3 star
22%
2 star
0%
1 star
11%
See all reviews
Overall the facility has a very comfortable feeling, clean fresh facility, friendly caring staff. The residents living there also make a difference. They really do care about each other.
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.
The Daughters of Charity of St.Vincent de Paul, Franciscan Sisters of Mary, Society of the Sacred Heart, School Sisters of Notre Dame, and the Sisters of Loretto founded the Sarah Community in 1997. Together, the sisters of these five congregations established a community where respect,...
Photo of Villas of Holly Brook Collinsville
11 Photo available
5 star
60%
4 star
40%
3 star
0%
2 star
0%
1 star
0%
See all reviews
My dad passed in March. He spent almost a year and a half in Villas of Holly Brook and I truly believe they gave him the Will to live everyday! He looked forward to the activities and made so many new...
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.
Photo of Garden Place of Millstadt
1010 Photos available
5 star
75%
4 star
0%
3 star
0%
2 star
0%
1 star
25%
See all reviews
Great place. Love everything about it. The center is clean, the food is good, and the staff is amazing. If you're looking for a center that will provide your love one with the care they deserve, I highly...
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.
Garden Place specializes in providing individual services to it's clients. There is no age restriction for apartments any of our communities. The services provided by Garden Place are not medical. The service that can be provided in apartments include but are not limited to: Light Housekeeping...
Photo of Rosemont Senior Living Centre
22 Photos available
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
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.
The Rosemont Senior Living Centre simplifies retirement living. We take care of the cooking, shopping, and cleaning, so you can focus on the things that are truly important to you. Not only will you have the time to pursue your own interests, you will also make new friends, share laughter, and...
See details
Photo of Friendship Village Chesterfield
1414 Photos available
5 star
75%
4 star
0%
3 star
0%
2 star
25%
1 star
0%
See all reviews
Accommodates my independent living needs and my wife’s skilled nursing needs. Good central location in Chesterfield, MO Pet friendly with new gated ‘Pet Park’ !!! Dining quality is excellent! Enjoy quick...
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.
The Friendship Village campus in Chesterfield has been here for 45+ years. We've stood as a quality example of senior care - in all levels of care - for decades. Our caregivers have some of the longest tenures in the industry, and we use no agency nursing staff. Our Assisted Living offering...
Photo of Meadowview Assisted Living at the Woodlands
1313 Photos available
1.0
Review score
5 reviews
1.0
Review score
5 reviews
5 star
20%
4 star
60%
3 star
0%
2 star
0%
1 star
20%
See all reviews
In Meadowview Memory Care they have a friendly environment and caring staff. Nice layout for the residents to be out in the great room to dine together, watch TV or participate in the afternoon activity...
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.
Meadowview Assisted Living offers private suites surrounding an open floor-plan living area, featuring a large flat-screen TV along with a fireplace and an open view of our gourmet kitchen area. There is a large, screened-in porch with ceiling heaters and fans, for three season comfort.
Inline cta image

Our free advisors can help

  • Compare local facilities
  • Determine care type
  • Schedule tours
  • Evaluate pricing
Photo of The Fountains of West County
1717 Photos available
5 star
49%
4 star
31%
3 star
14%
2 star
3%
1 star
3%
See all reviews
I would recommend community to others for your loved ones. My loved one appreciated the fact that the rooms have a full kitchen. They are having a hard time keeping the dining staff. My loved one likes...
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.
The Fountains of West County is a wonderful place to live!  We offer one and two bedroom senior living apartment homes.  Located at the intersection of Clayton and Clarkson, we are minutes from shopping, restaurants, entertainment, and more.  We've designed this community with you...
Photo of Stillwater Senior Living
77 Photos available
5 star
90%
4 star
0%
3 star
10%
2 star
0%
1 star
0%
See all reviews
My entire family would agree that we would give Stillwater a 5 on every topic. We have had a wonderful experience. My mom has adjusted finally. It took her a while but we expected that. We would and have...
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.
Stillwater Senior Living is an assisted living community right next door to the campus of the Southern Illinois University at Edwardsville. Woodland and freshly cut fields dominate the landscape of Edwardsville, creating a sense of separation from the city life in nearby St. Louis. At Stillwater...
Photo of The Colonnade Senior Living
1818 Photos available
5 star
47%
4 star
29%
3 star
6%
2 star
6%
1 star
12%
See all reviews
Everything is working out very well at this community for my mother. She seems to have adjusted very well to the community. Everyone is kind and very welcoming. The community is very clean and looks great....
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.
The Colonnade and Heritage Memory Care is a brand new, locally owned, community centrally located in O'Fallon, Illinois, just 20 minutes from Downtown St. Louis. We've purposefully designed every aspect of life at The Colonnade and Heritage Memory Care. You will find beautiful indoor and outdoor...
Photo of Harvester Residential Care
11 Photo available
5 star
33%
4 star
29%
3 star
17%
2 star
8%
1 star
13%
See all reviews
Wonderful caring people, my spouse is thriving there and has become much more independent. Price for what you receive is fantastic. Highly recommend.
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.
Harvester Residential Care Inc. is dual licensed (Missouri Department of Health and Senior Services and Missouri Department of Mental Health) facility that conveniently located in the middle of family oriented residential neighborhood of St. Charles county, with easy access (less than 10-15...
See details
Photo of Garden Place of Red Bud
1212 Photos available
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
After my Mother had suffered a stroke and the hospital was done with what they could do, Mom needed to be somewhere that could provide a safe environment and assist with some of her daily needs. We met the...
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.
Garden Place specializes in providing individual services to it's clients. There is no age restriction for apartments any of our communities. The services provided by Garden Place are not medical. The service that can be provided in apartments include but are not limited to: Light Housekeeping...
Photo of Villas of Holly Brook - Jerseyville
11 Photo available
5 star
0%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
We are very impressed with where our loved one is at, the appearance and the smell of the community really stood out to us. As an inspector for the state, we could tell the maintenance team is on top of...
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.
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.
Photo of Eads Square Apartments
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.
Photo of Rosary House
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.
Photo of Jefferson Arms Apartments
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.
Photo of Rosati Center
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.
Photo of Ollie Langhorst Apartments
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.
Photo of Alpha Terrace Apartments
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.
Photo of Bavarian Tower
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.
Photo of Bevo Place Apartments
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.

Our methodology

How we rank order the St Louis community options above

We developed a proprietary recommendation system that orders St Louis 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 St. Louis, MO?

In St. Louis, the average starting cost of independent living is $3,659 per month, according to A Place for Mom’s proprietary data.[01] This average 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, floor plan or unit size, services, amenities, dining packages, and add-on fees.

Independent living in St. Louis costs more than Missouri’s statewide average of $3,355, but less than the national average of $3,520.[01] This fits the city’s broader cost-of-living profile. According to the Economic Research Institute, St. Louis is about 4% less expensive than the national average, though it is about 9% more expensive than the average Missouri city.[02]

Independent living is usually less expensive than assisted living in St. Louis, which averages $4,995 per month, and memory care, which averages $5,699 per month.[01] This pricing pattern makes sense because independent living focuses on housing, convenience, amenities, dining, and social engagement rather than regular personal care or dementia-focused support.

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

Independent living costs in St Louis, MO, vs. state and national averages

St Louis, MO
$3,659/mo
U.S. national average
$3,520/mo

Independent living costs in St Louis, MO, vs. other senior living options

$6,603/mo
Independent Living
$3,659/mo

Independent living costs in St Louis, MO, by floor plan type

Semi-Private
$3,018/mo
Studio
$2,875/mo
1 Bedroom
$3,541/mo
2 Bedroom
$4,432/mo

Senior living costs in St Louis 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: St Louis, MO
Column state: Missouri
Column national: U.S.
Community typeSt Louis, MOMissouriU.S.
Independent Living$3,659/mo$3,355/mo$3,520/mo
Assisted Living$5,444/mo$5,427/mo$5,830/mo
Memory Care$6,603/mo$6,733/mo$6,999/mo
Independent Living
St Louis, MO:$3,659/mo
Missouri:$3,355/mo
U.S.:$3,520/mo
Assisted Living
St Louis, MO:$5,444/mo
Missouri:$5,427/mo
U.S.:$5,830/mo
Memory Care
St Louis, MO:$6,603/mo
Missouri:$6,733/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 St Louis, MO, over time

The line graph below shows how monthly independent living costs have shifted over the past five years in St Louis 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.

St Louis, MOMO stateNational

Independent living cost trends in St Louis, MO

The table below shows how monthly independent living costs in St Louis 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
St Louis, MO$3,487/mo$3,345/mo+4.3%
Missouri$3,211/mo$3,091/mo+3.9%
National$3,416/mo$3,319/mo+2.9%
St Louis, MO
2024 average cost:$3,487/mo
2023 average cost:$3,345/mo
Percent change:+4.3%
Missouri
2024 average cost:$3,211/mo
2023 average cost:$3,091/mo
Percent change:+3.9%
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 St. Louis

Most residents pay out of pocket for independent living because these communities focus on housing, amenities, social connection, and convenience rather than direct medical or personal care. Public benefits may help with eligible health care or support services separately if your needs change, but they generally do not pay for independent living rent, meals, or lifestyle amenities.

Private pay options

Residents often use personal income, savings, and other assets to cover independent living costs. Common private pay sources 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 support your retirement budget by helping with income, health care, or eligible services.

Common VA benefits that may help include:

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 St. Louis

St. Louis is home to more than 12,500 veterans, or 5.5% of the city’s population.[03] To support these veterans and their families, the following organizations and agencies provide guidance, resources, and assistance in accessing available benefits and programs.

  • Saint Louis Vets Connect
    4533 Southridge Meadows Drive
    St. Louis, MO 63128
    Phone: 314-221-2096
    Email: info@saintlouisvetsconnect.org
  • The Kaufman Fund
    10131 Old Olive Street Road
    Creve Coeur, MO 63141
    Phone: 314-455-9415
    Email: info@thekaufmanfund.org

Medicaid

Medicaid is a joint federal and state program that helps eligible people pay for health care and long-term support. In Missouri, the state Medicaid program is called MO HealthNet.

MO HealthNet does not pay for independent living room and board, rent, meals, or lifestyle amenities. However, if you eventually need help while living in an independent living apartment, MO HealthNet or a Home- and Community-Based Services (HCBS) waiver may cover some eligible services from approved providers. Coverage depends on your eligibility, the provider, and program rules.

Missouri programs that may help eligible older adults with health care or support services include:[04]

  • The Aged, Blind, and Disabled (ABD) Medicaid plan
  • The Supplemental Nursing Care (SNC) program
  • Home and Community-Based Services (HCBS) Medicaid waivers

Depending on the program and your eligibility, covered services may include:

  • Personal care assistance
  • Home health care
  • Skilled nursing care
  • Physical, occupational, or speech therapy
  • Meal assistance
  • Housekeeping
  • Transportation
  • Help with activities of daily living
  • Care coordination or case management

Eligibility is based on factors such as income, assets, care needs, and program requirements. Waiver programs may also have waitlists, provider limitations, or limited availability.

Eligibility for MO HealthNet depends on both income level and medical need, ensuring that support goes to those who need it most.

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

Medicaid resources in St. Louis, Missouri

St. Louis residents can apply for MO HealthNet in any of the following ways:

Contact a local Department of Social Services office or one of the organizations below if you have questions about Missouri’s Medicaid program or if you need help completing, updating, or checking the status of an application.

  • CareSTL Health
    5471 Dr. Martin Luther King Drive
    Saint Louis, MO 63112
    Phone: 314-367-5820

Medicare

Medicare is federal health insurance for adults 65 and older, as well as some younger people with qualifying disabilities or medical conditions.[05] 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. These 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 St. Louis

Elderly residents of St. Louis can contact the state’s health insurance assistance program for free and unbiased information about Medicare:

What families are saying about independent living in St Louis

Recent reviews for independent living in St Louis

EverTrue Breeze Park in St. Charles, MO

4.0
They are pretty good. It's very clean. The staff is pretty friendly. They have stuff going on for activities, but they told me they take them out at least once a week, they told us they had a bus with a lift, and they don't. They told us when she was there she would be able to eat in any of the ...
Read more

EverTrue Laclede Groves in Webster Groves, MO

5.0
After an extensive search, I realize Lutheran Senior Services' Laclede Groves retirement community in Webster Groves offers the best Life Plan facility in the St. Louis area. I'm experiencing the high level of quality of life and care that all seniors hope to experience in their retirement. ...
Read more

Altenheim St. Louis in Saint Louis, MO

4.8
The n/a's are for what I am not directly involved with at the community. However, the director [name removed] is very easy to work with and he is also very approachable. Based on the experience we have had so far with Altenheim St. Louis, we would of course recommend this community to other ...
Read more

What is independent living like in St. Louis?

Independent living in St. Louis is designed for older adults who would rather spend time enjoying social events, local outings, hobbies, and friends than keeping up with home maintenance and lawn care. Some communities focus only on independent living, while others are part of larger campuses with assisted living or memory care nearby. This can help if your needs change later, or if a spouse needs more support and you want to stay on the same campus.

A maintenance-free lifestyle with city access

St. Louis independent living communities can make day-to-day life easier by reducing the time you spend on errands, chores, and getting around. All of A Place For Mom’s St. Louis partner independent living communities offer housekeeping, grocery shopping or errands, resident parking, and complimentary transportation.[01] That extra support can leave more room for family visits, volunteering, hobbies, and time out in the city.

Dining and apartment-style living

Independent living communities in St. Louis often include dining options and private residences that feel more like apartments than care settings. All local partner communities provide meals, room service, Wi-Fi or high-speed internet, air conditioning, and full kitchens or kitchenettes. For visits and everyday routines, all offer guest meals, while 80% offer private dining rooms, professional chefs, balconies or patios, and ground-floor units.[01]

Social activities and shared spaces

Independent living in St. Louis can also make it easier to stay connected without having to plan everything yourself. All A Place for Mom local partner communities offer shared spaces, fitness options, live music, day trips, art classes, happy hours, and holiday celebrations.[01] That can make everyday life feel more natural, whether you want coffee with neighbors, an afternoon class, a planned outing, or a quiet evening in your own space.

St Louis independent living services and amenities

These charts highlight some of the many care, dining, and entertainment offerings available in St Louis independent living communities. They don’t represent all possible services and amenities available at assisted living communities in St Louis, 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 St Louis 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 St Louis partners making specific dietary accommodations for seniors compared to the percentage of assisted living partners making those accommodations nationally.
St Louis, MONational
Nutritionist / dietician
Nutritionist / dietician
22.9%
21.2%
Low / no sodium
Low / no sodium
34.7%
35.7%
No sugar
No sugar
29.7%
32%
Vegetarian
Vegetarian
34.7%
34.8%
Pureed meals
Pureed meals
7.6%
11.7%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select dining options in St Louis 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 St Louis communities that offer dining options to their discerning residents compared to our partners nationally.
St Louis, MONational
Professional chef
Professional chef
35.6%
37.6%
Restaurant style dining
Restaurant style dining
46.6%
44.8%
Room service
Room service
42.4%
38.2%
Anytime dining
Anytime dining
21.2%
17.8%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select programs and activities in St Louis 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 St Louis offer the selected activities, amenities, and programs compared to the percentage of partners nationwide.
St Louis, MONational
Activity director
Activity director
50.8%
46.5%
Pet-focused programs
Pet-focused programs
32.2%
29.3%
Community service programs
Community service programs
39.8%
34.2%
Devotional activities on-site
Devotional activities on-site
58.5%
48.3%
Parties / BBQs / happy hour
Parties / BBQs / happy hour
51.7%
50.1%
Outings / off-site activities
Outings / off-site activities
61%
54.9%
Piano or organ
Piano or organ
45.8%
44.2%
Arts and crafts center
Arts and crafts center
41.5%
39.7%
Educational speakers / life long learning
Educational speakers / life long learning
44.1%
43%
Clubs / games / karaoke
Clubs / games / karaoke
50%
48.3%
Live performances
Live performances
50%
48.1%
Dances
Dances
35.6%
34.3%
Fitness center
Fitness center
45.8%
40.8%
Fitness classes
Fitness classes
50.8%
47.6%
0.0%20.0%40.0%60.0%80.0%100%

Explore senior care with confidence

choosing care icon

Know where to start.

Identify the right care for your loved one with our free assessment.

content with icon image

See what you can afford.

Understand cost and payment for long-term care based on your loved one's needs.

content with icon image

Find top facilities for you.

Free, personalized guidance from our Senior Living Advisors can help you narrow your search.

content with icon image

Tour your favorite facilities.

Our free touring checklist can help you choose the right community.

Unfamiliar with St. Louis? Highlights for seniors

St. Louis has nearly 280,000 residents, and adults 65+ make up 17% of the city’s population.[03] The city has also participated in the World Health Organization’s Age-Friendly Cities and Communities Initiative, which focuses on making communities more supportive for older adults.[06] For active seniors, St. Louis offers major health systems, public transit, parks, museums, live sports, music venues, farmers markets, and historic neighborhoods with a strong local identity.

Top hospitals for seniors in St. Louis

St. Louis has several hospitals and health systems that support older adults managing health changes, chronic conditions, recovery needs, and specialty care.

A graphic of a capital letter H in a circle

Barnes-Jewish Hospital provides emergency care, neurology, stroke care, heart care, cancer care, surgery, and rehabilitation services in St. Louis.

A graphic of a capital letter H in a circle

Mercy Hospital St. Louis offers emergency care, primary care, heart and vascular care, cancer care, orthopedics, neurology, and senior-focused primary care services.

A graphic of a capital letter H in a circle

Missouri Baptist Medical Center provides emergency care, heart and vascular care, cancer care, orthopedics, surgery, rehabilitation, and geriatric emergency services.

Transportation for seniors in St. Louis

In St. Louis, all A Place for Mom partner independent living communities in the local data offer complimentary transportation, and 60% also offer transportation for a fee.[01] Depending on the community, scheduled rides may make it easier to get to appointments, run errands, pick up groceries, meet friends for lunch, or join group outings without having to drive.

St. Louis also has public transit and paratransit options for older adults who want additional ways to get around the city.

  • MetroBus offers bus service across St. Louis and the surrounding area, with routes that connect riders to neighborhoods, hospitals, shopping areas, and entertainment districts.
  • MetroLink Light Rail connects parts of St. Louis and nearby communities, including stops near downtown, Forest Park, the Central West End, and other popular areas.
  • Metro Call-A-Ride provides curb-to-curb paratransit service for eligible riders who cannot use regular fixed-route transit because of a disability.

St. Louis is more walkable than many cities, though some errands and appointments may still require a car, scheduled community transportation, or public transit. The city has the following transportation ratings out of 100:[07]

Transportation card image
66

Walk Score

Transportation card image
43

Transit Score

Transportation card image
58

Bike Score

Things to do in St. Louis for seniors and their families

For independent living residents, enjoying St. Louis can be as simple or as social as they want. A day out might mean a quiet garden walk, lunch with friends, a Cardinals game, or a visit to a favorite market or museum.

Parks, gardens, and landmarks

St. Louis has outdoor spaces and landmarks that work well for relaxed afternoons, visiting family, or time on your own. Many make it easy to keep the outing simple, with places to sit, nearby dining options, and flexible routes you can shorten or extend.

  • Gateway Arch National Park is one of the city’s most recognizable landmarks, with riverfront views, walking areas, and a museum focused on westward expansion and St. Louis history. The museum under the Gateway Arch can be a fantastic option during poor weather.
  • Tower Grove Park is a historic park with walking paths, open green space, pavilions, and access to nearby restaurants and shops in the Tower Grove area.
  • The Missouri Botanical Garden offers seasonal flowers, indoor and outdoor gardens, and special events throughout the year. It can be a good fit for residents who enjoy walking, photography, gardening, or visiting with family.
  • Forest Park is one of St. Louis’s major gathering places, with trails, museums, outdoor space, and attractions that make it easy to return for different experiences throughout the year.

Museums and arts

St. Louis makes it easy to keep arts and culture in your routine, whether you enjoy quiet museum visits, matinee performances, or smaller neighborhood galleries. These outings can be simple to plan and easy to shape around your energy, interests, and schedule.

  • The Missouri History Museum shares local and regional history through exhibits tied to St. Louis, the Mississippi River, civil rights, sports, neighborhoods, and the city’s cultural identity.
  • The Saint Louis Art Museum offers free general admission, quiet galleries, and rotating exhibits, along with Access for All Free Fridays that may include films, performances, open studios, and other programs.
  • The Fabulous Fox hosts Broadway shows, concerts, comedy, and other live performances in a restored historic theater.
  • The Sheldon offers concerts, art exhibits, and educational programs in the Grand Center Arts District.
  • Soldiers Memorial Military Museum honors military service and St. Louis veterans. This may be a meaningful choice for veterans, military families, or loved ones who enjoy local history.

Sports, music, and entertainment

For many St. Louis residents, local sports and music are part of the city’s rhythm. Independent living communities may plan group outings, but you can also enjoy these venues with friends, family, or visiting guests.

  • Busch Stadium is home to the St. Louis Cardinals and can be a fun outing for baseball fans, especially for afternoon games or visits paired with nearby dining.
  • Enterprise Center hosts St. Louis Blues hockey games, concerts, and major touring events, giving residents options for everything from live sports to familiar performers.
  • The St. Louis Symphony Orchestra performs at Powell Hall, offering an easy way to enjoy classical music, seasonal concerts, and special performances.
  • Jazz St. Louis presents live jazz performances in the Grand Center Arts District, with an intimate setting that may appeal to residents who enjoy classic standards, contemporary jazz, or a night out with friends.

Markets, dining, and neighborhood outings

St. Louis neighborhoods give residents many ways to enjoy food, shopping, and local culture. These outings can be easy to repeat, which helps you build familiar routines close to home.

  • The Soulard Farmers Market is a long-running public market with produce, prepared foods, flowers, and local vendors.
  • The Hill is known for Italian restaurants, bakeries, markets, and neighborhood dining that can make a simple lunch or dinner feel special.
  • Central West End offers restaurants, cafés, shops, and walkable blocks near Forest Park and major medical centers.
  • City Foundry STL offers food hall dining, local shops, and entertainment in a redeveloped industrial space.

Independent living laws and regulations in Missouri

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 Missouri

Frequently Asked Questions

The average starting cost of independent living in St. Louis is $3,659 per month. This base rate may not include care services, premium amenities, upgraded floor plans, third-party services, or other extras.
No. Medicare does not pay for independent living rent, meals, housing, or lifestyle amenities. It may cover approved medical services you receive from third-party health care providers.
Social Security does not pay independent living communities directly, but you can use your monthly Social Security income however you choose, including toward independent living costs.
MO HealthNet may cover some medically necessary home- and community-based services for eligible residents, but it does not pay for independent living rent, room and board, 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 St. Louis, Missouri, United States.

  3. Census Reporter. (2024). St. Louis, MO.

  4. Missouri Department of Social Services. Programs for seniors and individuals with disabilities.

  5. U.S. Centers for Medicare and Medicaid Services. Medicare.

  6. World Health Organization. STL Age-friendly community. Year 2 progress report.

  7. Walk Score. Living in St. Louis.

Photo cta image

More questions?

Ask an A Place for Mom local advisor at no cost.

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.
Back to top
1.

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

2.

Economic Research Institute. (2026, May 5). Cost of living data in St. Louis, Missouri, United States.

3.

Census Reporter. (2024). St. Louis, MO.

4.

Missouri Department of Social Services. Programs for seniors and individuals with disabilities.

5.

U.S. Centers for Medicare and Medicaid Services. Medicare.

6.
7.

Walk Score. Living in St. Louis.