Independent Senior Living Communities in Missouri

Independent living communities in Missouri are great places for older adults still able to carry out their normal routine, but who don't want the stress of having to maintain a property. This senior care type allows individuals to maintain their unique lifestyles in communities devoted to social enrichment, support, and overall well-being. Although each location varies, seniors are sure to find a range of amenities and opportunities for recreation. Whether it's a studio apartment, a townhouse, or even a small cottage, it's easy to see why independent living is popular among seniors in Missouri. 


Find Senior Caring Options by County

Cost Comparison of Missouri Independent Living 

City Monthly Minimum Monthly Maximum Monthly Median
Kansas City $899 $2,595 $2,030
Saint Charles $1,611 $2,975 $2,293
Saint Louis $1,899 $2,680 $2,326
Springfield $1,799 $2,295 $1,997

Missouri has 93 independent living communities with the average cost of $2,267 per month. 

When trying to find independent living communities in Missouri a good place to start is comparing costs. Each community will have unique amenities and services, but your monthly payments provide access to the main features. With housekeeping, transportation services, fitness centers, and meal plans being standard, you’ll be able to find a community that fits your personality and budget. Independent living in Missouri varies in cost based on location, size, and the housing options available.

Recreation & Attractions in Missouri

Missouri is well known for having the tallest man-made arch in the world, the Gateway Arch. It was dedicated to the Western expansion of the United States of America. The Gateway arch is only one of the amazing sights to see in Missouri in addition to the Titanic Museum, Liberty Museum, Fantastic Caverns, among others.

The Titanic Museum has two stories with visitors entering through an iceberg and given a ticket that will determine whether they are a survivor or not. The museum creates an atmosphere that allows visitors to feel like they are a passenger. The Liberty Museum is a memorial for all the men and women who served during World War I.

Missouri's Climate, Geography & Culture

The weather in Missouri has an average temperature of 55 degrees, an average high of 66 degrees, and an average low of 45 degrees. The winter temperatures are in the 40s range while summer climbs to the 80s. The spring temperatures are between 50 and 70 degrees with fall temperatures between 60 and 80 degrees. Missouri receives about 43 inches of rainfall and 12 inches of snowfall annually. In the north, snow can accumulate upwards of 20 inches. 

Missouri has been the historical starting point of many pioneering trails to the western U.S. During its French and Spanish occupation in the late 18th century, the state was a trading center for furs and other important textiles. Today, it's known for its friendly people and their love for the natural beauty the state has to offer. 

Missouri Independent Living Regulations and Laws

All rules and regulations of Missouri independent living communities are overseen by Department of Health and Senior Services. These regulations ensure that all communities meet the appropriate health, safety, and medical conditions. Annual reports of are to be made public upon request, detailing any past violations and the steps taken to correct them. Your safety and satisfaction are of utmost importance to your community and fellow residents, so never feel discouraged from airing your grievance if you think a violation has been made. 

Crime & Safety in Missouri

Missouri has many neighborhood watches, police departments, and crime stoppers who all aim to prevent and reduce crime such as the Missouri Crime Prevention Association.

LocationViolent Crime Per 1,000 ResidentsProperty Crime Per 1,000 Residents
Bonne Terre0.995.64


Payment Options for Missouri Independent Living

Usually, seniors are paying for their own senior care with their pension, savings, selling off assets, and other personal means. Other seniors may have their independent living costs covered by their families or a portion of the costs. Medicare does not cover long-term care such as independent living communities costs, by instead provides coverage for short-term or temporary inflictions.

As a veteran, an individual can apply for veteran’s benefits as a payment for the costs of independent living. A single veteran could receive $1,644 monthly, $1,949 for married couples, and a surviving spouse eligible for $1,056 a month. Seniors can also use or buy long-term care insurance as a payment option and receive money daily to pay for care.

Supplemental Security Income (SSI) is an option for those who are blind, have a disability or have children to support. The applicant must meet one of these conditions, along with having little income and assets, and must be a U.S. citizen over 65.

Another popular option is to open a senior living line of credit which can allow up to $50,000 of unsecured credit. This money is sent directly to your independent living community and the repayment options are usually very flexible with no collateral needed. 

Senior & Elderly Rights for Independent Living in Missouri

Residents in independent living communities reserve the rights afforded to them by the U.S. constitution. Your right to privacy and to be treated with dignity should be upheld by your community at all times. How you decide to manage your own medical care and finances are entirely at your own discretion. If you believe these rights have been violated in any form, don't hesitate to contact an elder law professional to understand your next move. 

For assistance in learning about and exercising your rights, you can review the Missouri Ombudsman

MO Independent Living Medical Record Rules & Regulations

State and federal HIPAA laws require that all resident records and medical reports of services provided on community grounds are recorded, maintained, and available to residents in a timely manner. Records of your medical care are to remain confidential and available only to you and your health care provider. These documents must be maintained for several years after you are discharged from a community or medical facility. You can submit a formal request accompanied by a small fee to receive copies of your information. 

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.