Get Pricing & Availability for Assisted Living in Chicago, IL
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Page Reviewed / Updated – September 11, 2020
Chicago is a large city located near Lake Michigan with almost 2.7 million residents, about 13% of whom are adults aged 65 or older. Local seniors pay zero taxes on most retirement income, which may help offset the city’s comparatively high cost of living.
Assisted living rates are also comparatively high in Chicago, averaging $5,941 per month. The statewide norm is much lower at $4,742, but Chicago offers financial assistance and public support programs to help seniors manage expenses.
This guide covers the cost of assisted living in Chicago compared to neighboring areas. It also provides resources to help seniors live safely and comfortably in the city.
The Cost of Assisted Living in Chicago, IL
When determining how to finance Assisted Living, it’s essential to first know the expense involved for your loved one to join a reputable community. With the ongoing increase in costs, having current information is crucial when budgeting for senior care. To help highlight the influence of inflation on senior living expenses, PayingForSeniorCare.com has collected cost data from its extensive network of over 75,000 senior living communities. This data represents the average cost of Assisted Living in Chicago and in 110 other cities in Illinois.
Inflation & the Cost of Assisted Living in Chicago, IL
Chicago’s average assisted living price rose 10% between 2022 and 2023, reaching $5,941. This was in contrast to Illinois’ statewide norm, which saw prices drop 4.5% during the same period. However, other cities in Illinois also experienced price increases, and the state’s average rate is expected to hit $5,313 in 2024. Rates in Springfield climbed by 10%, as did those in Naperville. Aurora experienced a 10% uptick as well, and the city’s average price is projected to reach $5,149 by 2024. Nationwide costs also rose by 10% between 2022 and 2023, underlining the importance of planning ahead for senior living.
|
Location |
2022 Cost (Historical) |
2023 Cost (Current) |
2024 Cost (Estimated) |
|
Chicago |
$5,423 |
$5,941 |
$6,398 |
|
U.S. Average |
$4,070 |
$4,459 |
$4,802 |
|
Illinois |
$4,959 |
$4,742 |
$5,313 |
|
Springfield |
$4,497 |
$4,927 |
$5,306 |
|
Aurora |
$4,364 |
$4,781 |
$5,149 |
|
Naperville |
$3,410 |
$3,736 |
$4,023 |
The Cost of Other Types of Care in Chicago, IL
The price of different types of senior care varies depending on support services and amenities. In Chicago, memory care is among the most expensive at $6,582, as it provides a high level of daily care and security for seniors living with dementia. Assisted living services are less intensive, so they’re cheaper at $5,941 on average. Independent living offers the lowest level of support for self-reliant seniors, averaging $2,692 per month.
|
Care Type |
Cost |
|
Assisted Living |
$5,941 |
|
Memory Care |
$6,582 |
|
Independent Living |
$2,692 |
Financial Assistance for Assisted Living in Chicago, IL
Other Ways to Pay for Assisted Living in Chicago, IL
Since not everyone can afford to pay for assisted living out-of-pocket, it’s important to find alternative methods to help make assisted living more affordable. Some of these options include:
- Veterans Benefits
- Life Insurance Policy
- Long-Term Care Insurance
- Reverse Mortgage
For additional information and planning, read our comprehensive guide to paying for senior care in Illinois.
Free Resources for Seniors in Chicago, IL
HealthChoice Illinois
HealthChoice Illinois is a version of the state’s Medicaid program available in Chicago’s Cook County. As part of HealthChoice Illinois, Healthcare and Family Services (HFS) Medical Benefits is a Medicaid entitlement program specifically for low-income seniors and persons with a permanent disability. The program covers everything that traditional Medicaid does, along with long-term nursing care, home health aids, hospice, transportation, and durable medical equipment.
As of 2017, applicants must fall below an asset threshold of $2,000 per month if single and $3,000 if applying as a married couple. Monthly income for single adults should not exceed $938, and $1,328 for couples. Applications may be downloaded from the Healthcare and Family Services website and mailed in, or a local office may be located by calling (800) 842-1461.
Medicare Extra-Help
Some low-income Medicare beneficiaries may be eligible to participate in the Extra Help Program. Benefits are estimated to be worth $4,900 per year and will help to cover the costs of prescriptions, monthly premiums, and annual deductibles. Applicants should have a yearly income of $14,390 or less for individuals and $28,720 or less for couples. For more information and to apply, interested parties can call (800) 772-1213 or visit the website.
Other Financial Assistance Programs in Chicago
Home and Community-Based Services (HCBS) Medicaid Waivers
HCBS waivers offered by Medicaid will pay for services for eligible seniors 60 years or older. Most waivers available to Chicagoans will require that the applicant has been assessed as being at risk for nursing home placement, and the cost of in-home care would be less than that of institutionalization. Waivers typically cover home health aide services, emergency response, and adult day care, at a minimum. To apply for an HCBS waiver in Chicago, please call (800) 252-8966.
Aid to The Aged, Blind, and Disabled (AABD)
This is a cash and medical assistance program that is available to low-income seniors through the Illinois Department of Human Services (DHS). Recipients may also be eligible to receive Supplemental Nutrition Assistance Program (SNAP) benefits and may use the same application. Applicants should be 65 years or older, blind or disabled, and already receiving supplemental Insurance benefits, or be eligible in all regards except for income. Applications may be submitted via the DHS website or by calling (800) 843-6154 to find a local DHS office.
Waiver for Supportive Living Facilities
This is a program designed to help low-income seniors 65 and older that currently receive Medicaid to live independently in a long-term care facility that is not a nursing home. This waiver covers the costs of assisted living that are not usually covered by Medicaid such as food and rent. Program participants must need a nursing home level of care, but choose to receive it in an assisted living facility. There is an income cap of $735 for single adults and $1,103 for couples as of 2018.
Home-care services, medication oversight, personal emergency response devices, intermittent nursing, housekeeping, and laundry are some services that are included in the waiver. Interested parties may read more about the program here, or call (844) 528-8444 to obtain more information and instructions on how to apply.
Community Care Program
The Community Care Program, also known as the Waiver for the Elderly, is a Medicaid entitlement waiver specifically for seniors that need a nursing home level of care, but would rather stay in their own homes. To be eligible, recipients must be 65 or older, be able to pass a Determination of Need assessment, have limited mobility, and be at risk of being placed in a nursing care facility. Additionally, an asset level of $17,500 or less is required.
Waivers services include adult day care with meals, emergency home response services for seniors that have documented mobility issues and health and safety needs, and in-home care that provides help with daily tasks. For more information on this waiver or to apply, please visit the Community Care website or call (800) 252-8966.
Rules and Regulations for Assisted Living Facilities in Chicago, IL
Assisted Living Communities in Chicago are required to follow a set of rules and regulations that are determined by the state. For an overview of those rules and regulations, see the information below. For more specific information, talk with your local community or Area Agency on Aging.
The 10 Best Assisted Living Facilities in Chicago, IL
Victory Centre of South Chicago
The Victory Centre of South Chicago is a large senior living community with 72 independent living apartments and 112 assisted living apartments. Residents are encouraged to join some of the many on-site activities such as the World Tour, an educational series that explores new languages and international cultures. The facility also operates See Spot Retire, an innovative program that connects residents with older rescue dogs, and Good Vibrations, a drumming circle focused on spiritual, physical and mental well-being. We included Victory Centre of South Chicago on our top 10 list because it offers unique programming to keep seniors active and engaged.
Features
- One-bedroom apartments equipped with kitchenettes and accessible bathrooms
- Meals prepared using locally sourced ingredients
Autumn Green at Midway Village
Located next to Michael J. Madigan Sr. park, just a few blocks from Chicago Midway International airport, Autumn Green at Midway Village offers independent and assisted living services. There are plenty of amenities, including a business center and free Wi-Fi, library, cards room and art center. Residents can enjoy the great outdoors in comfort thanks to the spacious courtyard patio and paved walking path, and well-behaved pets are welcome upon approval.
Features
- Daily recreational activities focused on maintaining balance and mobility
- Regular escorted trips to local restaurants, shops and attractions
Brookdale Lake Shore Drive
Offering stunning views of the Chicago skyline and Lake Michigan, Brookdale Lake Shore Drive is a luxurious senior living community. Residents enjoy easy access to Chicago's iconic Lincoln Park, where seniors can stroll paved walking trails to the Lincoln Park Zoo, Theatre on the Lake and Fullerton Beach. AMITA Health Saint Joseph Hospital is right next door, and there are plenty of independent shops and restaurants in the neighborhood. On-site amenities include a concierge service, guest suites, fireside living room and enclosed courtyard. We featured Brookdale Lake Shore Drive in this top 10 list because of its impressive location in one of Chicago's most sought-after neighborhoods.
Features
- Assisted and independent living services
- Pet-friendly community
Covenant Home of Chicago
Covenant Home of Chicago is a nonsectarian senior living community located in Andersonville, a vibrant residential neighborhood. The Swedish Hospital, an acute care facility with a 24/7 emergency department, is right across the street, and a number of physician and specialist clinics are nearby. Covenant Home features large, bright apartments equipped with kitchenettes, and residents can choose from many dining options. A concierge is available from 8 a.m. to 8 p.m. daily, and residents receive priority access to memory care, skilled nursing and rehab care at Chicago Methodist Senior Services.
Features
- 24-hour emergency response system
- LGBTQ+ inclusive
Autumn Green at Wright Campus
Situated close to O'Hare International Airport, Autumn Green at Wright Campus is a welcoming, vibrant senior living community that offers assisted and independent living services. Pets are welcome, and residents have access to plenty of common amenities, including a billiards and cards room, enclosed courtyard, library and beauty salon. Meals are served in the restaurant-style dining room, and the on-site culinary team accommodates special diets on request.
Features
- Weekly happy hours, movie nights and group outings
- Spacious private suites equipped with kitchens, en suite storage and large bedrooms
St. Joseph Village of Chicago
Founded in 1894 by Mother Mary Theresa Dudzik, St. Joseph Village is a Catholic, nonprofit senior living community that welcomes people of all faiths. Located just a few blocks west of Wrigley Field, with easy access to public transit, this facility offers a range of services, including assisted living, skilled nursing, rehabilitation and memory care. Regular services are held at the on-site chapel, and residents are encouraged to make use of the craft and hobby rooms, landscaped courtyard, exercise room and hydrotherapy whirlpool.
Features
- SeniorFIT program promotes active aging
- Family party room can be reserved for private events
Norwood Crossing
Norwood Crossing is a pet-friendly senior living community in Old Norwood Park offering assisted living, memory care, rehabilitation and skilled nursing care. The AMITA Health Resurrection Medical Center is nearby, and numerous cafes and shops are within easy walking distance. Residents can rest easy knowing that caring, compassionate staff is always available, and housekeeping, laundry and linen service are provided each week. Nutritious meals and snacks are served in the dining room, and the busy activity calendar includes live entertainment, exercise classes and sing-alongs.
Features
- Locally owned and operated nonprofit facility
- Large, landscaped campus
Brookdale Lake View
Offering an ideal location just steps from Chicago's lakeside Lincoln Park, Brookdale Lake View is an upscale, full-service senior living community. Residents can spend their days enjoying on-site amenities such as the bistro, theater, fitness center and crafts studio, or explore one of the many nearby restaurants and shops. A community room is available for special events, and guest suites can be reserved for out-of-town visitors.
Features
- On-site medical clinic and therapy room
- Business center equipped with computers and Wi-Fi access
Sunrise of Lincoln Park
Sunrise of Lincoln Park is a warm, inviting senior living community in Chicago's Park West neighborhood, close to Lincoln Park. Caring staff is available 24 hours a day, and a number of world-class medical facilities, including Northwestern Hospital and Illinois Masonic Hospital, are nearby. Residents are encouraged to stay as active and independent as possible through the Live With Purpose program, which includes gentle exercise classes to promote physical and cognitive wellness.
Features
- Large, sunlit common areas
- Restaurant-style dining room
Mercy Circle
Located on a sprawling, landscaped campus 17 miles southwest of downtown Chicago, Mercy Circle is a full-service senior living community with independent and assisted living, memory care and skilled nursing services. Sponsored by the Sisters of Mercy, this faith-based facility provides seniors with spacious one-bedroom apartments equipped with large walk-in showers, en suite storage and compact kitchenettes. Friends and family are always welcome to join their loved ones for a meal in the formal dining room, and daily liturgy is offered in the chapel.
Features
- Beauty salon and barbershop
- Regular movie nights
