The capital city of Illinois, Springfield, sits in the heart of the Midwest and is rich with American history and culture. Perhaps most famously, Springfield is the hometown of Abraham Lincoln and is a hub of activity in the American Civil War and the American Industrial Revolution that followed. You don’t have to be a history buff to enjoy Springfield. The city is also home to Frank Lloyd Wright’s Dana-Thomas House, the Route 66 Twin Drive-In Movie Theater, the Washington Park Botanical Garden, the 4,200-acre Lake Springfield, and more.
Springfield has a lower-than-average cost of living and plenty of senior living community options, making it an ideal city for retirees. Springfield features an array of senior apartments and other senior living community types to suit nearly any lifestyle. Browse senior apartments within a 10-mile radius of the city center, plus cost information, tips on paying for living expenses, local resources, and Springfield living.
When i first came to the community i got a great feeling about it. The staff has been very friendly and they always communicate very well. One thing that i really like is the positive atmosphere felt. My...
My sister was there as a respite patient for one month. It is a clean place with friendly staff. I picked this community because I live nearby.
We picked this community, because of the rural setting first of all. We knew that it would make dad more comfortable. The staff seemed nice and the place appeared clean and did not smell!! It was a nice...
My brother is doing good in this community. He likes that cleanliness and is wanting a smaller room. The staff is helpful and we would recommend this community to others to enjoying living here.
I am happy with my choice to move into the Homestead at Montvale. I like that it is independent living, I have my own apartment. I really like that it is secure, you need a code to get into the complex. They...
Works out for myself and my wife and the dog.
We developed a proprietary recommendation system that orders Springfield community options based on factors we know are important to seniors and their families:
We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information
We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities
Senior apartments are typically a budget-friendly form of independent living. Based on A Place for Mom’s internal research, Springfield senior apartments average around $1,200 per month. This cost represents monthly rental rates before optional amenities.
The average cost listed above represents the baseline of what seniors typically pay for a senior apartment. This fee usually covers things like the following:
Your rent in a senior apartment could be higher due to optional add-ons such as the following:
The figures in the chart below represent baseline costs, and may be affected by add-ons such as the ones listed directly above. However, these figures should help you understand what to expect when paying for a senior apartment in Springfield and surrounding areas.
If you have the financial means, rent and other fees in a senior apartment are typically covered by your personal finances. However, there are some low-income housing support resources like Housing Choice Vouchers that may help with senior apartment costs.
Rent in a senior apartment is not covered by public assistance options such as Medicare and Medicaid. However, public insurance benefits like these may offer some relief from financial burdens of home health care costs, should you ever need in-home care.
Private pay methods can include any kind of income you have. Your income could be a combination of savings, Social Security benefits, pensions, returns on investment, or any of the following:
Number of veterans living in Springfield as of 2021
About 47% of Springfield veterans are 65+.
If you’re a United States military veteran, you may be eligible for veterans benefits that can help you afford a senior apartment and other living expenses. The U.S. Department of Veterans Affairs (VA) offers financial assistance such as Veterans Pension benefits and Aid and Attendance. These benefits are meant to improve the quality of life of eligible senior veterans and their surviving spouses by providing them with supplemental monthly income.[02]
Applying for veterans benefits can be a challenging process. Even qualified veterans can be denied because of a mistake on their application. This is why veterans service officers help you get through the application process successfully. Veterans service officers are veterans who are trained and certified in VA benefits offerings.
In the resources list below, you’ll find information on how to access veterans service officers in the Springfield area. You’ll also find links to the Illinois Department of Veterans’ Affairs website and relevant pages.
Resources for Springfield veterans
Illinois Department of Veterans’ Affairs (IDVA)
833 S. Spring St.
Springfield, IL 62791
Phone: 217-782-6641
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.
Sangamon County: Illinois Department of Veterans Affairs
833 S. Spring St.
Springfield, IL 62704
Carlos English, veterans service officer
Phone: 217-557-0358
Fax: 217-557-1428
Email: Carlos.English2@illinois.gov
Hours: Monday through Friday, 8:30 a.m. – 4:30 p.m. — Appointments only. Please call for an appointment.
VSO: Anthony Harrison
Phone: 217-782-6645
Fax: 217-557-1428
Email: Anthony.Harrison@illinois.gov
Hours: Monday through Friday, 8:30 a.m. – 4:30 p.m. — Appointments only. Please call for an appointment.
Medicaid is a federal- and state-funded medical insurance for those with low incomes or disabilities. While each state’s program is a little different, all Medicaid programs must follow federal guidelines. Medicaid in Illinois is also called Illinois Medical Assistance.
The Illinois Medical Assistance Aid to the Aged, Blind and Disabled (AABD) program is designed to offer medical coverage for Illinois residents who are 65 or older, have a disability, or are legally blind. As with any Medicaid program, you’ll need to also meet low-income requirements to qualify.
Illinois Medical Assistance recipients who qualify for the AABD program can use this benefit to cover costs associated with in-home care services and other medical care in order to offset their living expenses.
Illinois Medical Assistance has a few home and community based service waivers designed to cover some long-term care services in a senior’s home. One is the Supportive Living Program (SLP) waiver, which enables eligible seniors to receive health care services not usually covered by Medicaid, such as the following:
The Persons Who are Elderly waiver is another home and community based service waiver for seniors. This waiver is for seniors who require in-home care in order to keep from having to move into a skilled nursing or other care facility. The Persons Who are Elderly waiver will generally cover care services such as the following:
By visiting your local area agency on aging (AAA) you can receive additional support with Medicare, Medicaid, and other services. A long-term care ombudsman can also provide advice and advocacy on your rights in senior living. Find these and other resources listed below.
Springfield resident Medicaid resources
Area Agency on Aging for Lincolnland
AgeLinc
2731 S. MacArthur Blvd.
Springfield, IL 62704
Phone: 217-787-9234
Hours: Monday through Friday, 8 a.m. – 4 p.m.
Illinois Department on Aging
IDOA home page
Find your AAA
Medicare is a federal medical insurance program designed to extend coverage to Americans aged 65 or older and to individuals with certain disabilities. Medicare has multiple parts that each cover a different category of health care services. Some health care services covered by Medicare include the following:
As a form of medical insurance, Medicare will not cover rent in a senior apartment. However, if you qualify for Medicare and you need medically necessary in-home care prescribed by your doctor, you may be able to pay for care using Medicare benefits.
If you’re eligible for Medicare, the U.S. Social Security Administration can help you access your Medicare benefits. You may be able to use the Medicare Savings Program to receive additional assistance in paying for your Medicare coverage. A local long-term care ombudsman can advocate for your rights, as well as investigate your complaints, and help ensure that you receive the quality of care you need and deserve. You may also be able to dual enroll in Medicare and Medicaid, which will enable you to pay Medicare premiums and other fees using your Medicaid benefits. Find links to these and other Illinois Medicare resources below.
Springfield resident Medicare resources
Some senior apartment communities accept Housing Choice Vouchers, formerly known as Section 8 vouchers. Housing Choice Vouchers are a form of housing assistance from the U.S. Department of Housing and Urban Development. It’s important to check that the community you’re interested in accepts these vouchers.
You may also be able to offset the cost of your senior apartment using Social Security benefits like the following:
Whether these benefits can aid you in paying for a senior apartment will depend on your eligibility and the individual senior apartment community. To receive SSDI, you must qualify for SSI and have work history credits as defined by the Social Security’s specific parameters.
Springfield resident public assistance resources
Springfield Housing Authority
200 N. 11th St.
Springfield, IL 62703
Phone: 217-753-5757
Hours: Monday through Friday, 8 a.m. – 4 p.m.
Illinois senior apartments are limited to tenants aged 55 and older, as required by the Illinois Administrative Code.[03] However, families and children of seniors may be able to live in senior apartments, as long as residents verify that at least one member of their household meets the age minimum.
In Illinois rental properties, including senior apartments, you’re entitled to certain standards in your apartment. Landlord obligations to tenants include the following:[04]
As a tenant, you will have your own responsibilities to uphold. Illinois tenant obligations include the following:[04]
Multifamily communities, such as senior apartments, are required to maintain compliance with the Americans with Disabilities Act (ADA). This entails making reasonable accommodations and modifications for individuals who have disabilities. Federal law also protects individuals with disabilities from being denied residency.
Reasonable accommodations require making adjustments to apartment policies so that tenants with disabilities are able to be included in any activities or amenities that the rest of the tenants are offered. Accommodations may require the apartment property manager to offer tenants with disabilities the following:
Modifications often include making alterations to the property and apartment unit that make it more accessible to tenants with disabilities. Alterations may include installing things like the following:
The costs of these modifications are the property owner’s responsibility, rather than the responsibility of the tenant who needs them.[05]
[1] IDH home page
[2] 535 W. Jefferson St.
Springfield, IL 62761
Phone: 217-782-4977
[3] 825 N. Rutledge St.
Springfield, IL 62702
Phone: 217-782-6562
[4] 422 S. Fifth St.
Springfield, IL 62701
Phone: 217-558-0560
There are currently no COVID-19 regulations in place for senior apartments in Springfield.
Springfield senior apartments offer you some of the perks of independent living at a more manageable cost. Senior apartments generally provide more amenities and services than most all-ages apartment communities. Like most senior living communities, senior apartments provide a low-maintenance home life, where you can relinquish the worries of lawn care and routine repairs.
In your Springfield senior apartment, you can take advantage of community-wide amenities that make your daily routine rich without any additional fees. Community amenities in Springfield senior apartment communities typically include some or all of the following:
Regardless of the senior apartment community you choose, you’ll enjoy a private apartment with everything you need for a cozy living space, such as the following:
When seeking the right Springfield senior apartment, you’ll have options for various floor plan sizes, number of bedrooms, high rise or ground floor preferences, locations, and more. You’ll also find some luxury senior apartment options in Springfield, which offer the same amenities as any other senior apartment community, plus a few that are more lavish, such as the following:
Luxury senior apartments offer a few more time-saving amenities than standard senior apartments, but are less care-centered and insulated than independent living communities, creating a happy medium between the two lifestyle types.
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Number of seniors over the age of 65 living in Springfield as of 2021
Median annual retirement income for Springfield seniors 65 and older[06]
Springfield is home to several reputable hospitals and medical centers where you can receive exceptional person-centered care.
Established in 1970, Memorial is a teaching hospital affiliated with Southern Illinois University School of Medicine. Springfield Memorial features exceptional heart and vascular care, cancer care, rehabilitative care, orthopedic care, emergency services, and more.
With nearly 150 years in operation, St. John’s Hospital is overseen by the Hospital Sisters Health System and upholds the Franciscan mission of dignified patient care. St. John’s offers a vast array of medical services, including cancer care, stroke care, surgery, sleep disorders, neuroscience, orthopedics, home health, hospice care, and more.
UChicago at Prairie Heart is a center for cardiovascular care, offering comprehensive treatment for heart failure. UChicago at Prairie Heart is a destination for transplants, heart disease care and prevention, aortic and vascular diseases, cardiac rehabilitation, and more.
Downtown Springfield is pedestrian- and bicycle-friendly, and it has a good public transportation system. If you intend to live in a senior apartment close to the city center, getting around and taking care of errands with no vehicle should be manageable. Farther out from the city center, however, you’ll be more likely to require a car.
Springfield’s public transit system is called Sangamon Mass Transit District, or SMTD, and it operates fixed-route bus services. The buses run Monday through Saturday, with daytime routes from 6 a.m. to 6 p.m., and nighttime routes until 10 p.m. All SMTD buses are ADA compliant, but for those whose disabilities cause them to need additional accommodations, the SMTD offers Access Sangamon rides. Seniors wishing to use Access Sangamon are required to apply for the service.
Walk Score gives Springfield the following transportation scores, out of 100:[07]
Perhaps most famous for being the home of Abraham Lincoln, Springfield is rich in American history and so much more. Springfield boasts the Route 66 Twin Drive In movie theater, and its own Frank Lloyd Wright house. You’ll have many arts and entertainment options, outdoor activities and scenic nature centers to choose from, as well as local dining, shopping, and more.
Springfield’s Midwestern locale offers a mild climate, with more good weather days than bad ones. Lake Springfield is a popular destination, especially for boating, kayaking, fishing, or just having a nice refreshing dip in the cool fresh water.
Springfield has a number of vast parks, ideal for walking, hiking, and bicycling — and you can take your pup along too. Several of Springfield’s most popular parks include the following:
If golf is your favorite way to unwind and be in nature, you’ve got several courses to choose from in Springfield.
In Springfield, you’ll see Honest Abe on almost every street corner. If you love a little challenge and want to explore the city at the same time, pick up an Explorer Passport and participate in Abe’s Hat Hunt. Or, you can visit one of the many historic sites in Springfield, such as the home or tomb of Abraham Lincoln, or one of the other sites commemorating significant periods in his presidency.
Springfield has much to offer in the way of retail therapy, and a myriad of food and dining choices. Springfield’s has an incredible list of locally owned and operated restaurants — so you can eat the flavors of the city and support small businesses while you do. Springfield has its own famous dishes — all of them delicious, none of them lean! Try the Springfield horseshoe sandwich on thick-cut Texas toast, the cozy dog, Springfield chilli, and more. If sweets are more your thing, stop in to Pease’s Candy at BUNN Gourmet for fine, locally made chocolates or The Cake Shoppe for the famous Mary Todd Lincoln cake.
Between meals, you can shop till you drop at Springfield’s many local shops, including boutiques, record shops, vintage and consignment stores, flea markets, and souvenir shops. Pop in for a locally made libation at one of Springfield’s many bars and wineries.
Villas of Holly Brook Chatham, Springfield Supportive Living Center and Homestead Place are the top-rated Senior Apartments facilities near Springfield, IL. These Senior Apartments facilities received the highest rankings based on verified family reviews. See full list of communities.
The average cost of Senior Apartments in Springfield is $2,011 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
United States Census Bureau. (2021). Veteran status (S2101): Springfield [Data set]. American Community Survey.
U.S. Department of Veterans Affairs. (2022, October 12). VA Aid and Attendance benefits and Housebound allowance.
Public Buildings, Facilities, & Real Property, 71 IL Admin Code § 2300.35 (2008 & rev. 2022).
Office of the Illinois Attorney General. (2022). Illinois attorney general: Landlord and tenant rights and laws.
U.S. Department of Housing and Urban Development. (2022). Reasonable accommodations and modifications.
United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Springfield [Data set]. American Community Survey.
Walk Score. (2022). Living in Downtown Springfield.
Ask an A Place for Mom local advisor at no cost.
United States Census Bureau. (2021). Veteran status (S2101): Springfield [Data set]. American Community Survey.
U.S. Department of Veterans Affairs. (2022, October 12). VA Aid and Attendance benefits and Housebound allowance.
Public Buildings, Facilities, & Real Property, 71 IL Admin Code § 2300.35 (2008 & rev. 2022).
Office of the Illinois Attorney General. (2022). Illinois attorney general: Landlord and tenant rights and laws.
U.S. Department of Housing and Urban Development. (2022). Reasonable accommodations and modifications.
United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Springfield [Data set]. American Community Survey.
Walk Score. (2022). Living in Downtown Springfield.