Assisted Living Communities in Chesterfield, Michigan

The 2024 Genworth Cost of Care Survey reports that assisted living costs in Chesterfield come in near $5,949 monthly, which runs well above the state median of $5,050. Some neighboring cities offer lower rates, including Flint and Monroe, where facilities charge about $4,250 and $3,850, respectively. However, costs in Ann Arbor exceed Chesterfield’s median at around $6,500.

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Michigan page.

Assisted living residents in Chesterfield pay approximately $5,949 per month. By comparison, senior care options that include skilled nursing cost hundreds to thousands of dollars more. For example, seniors pay around $6,292 for home health care and roughly $10,798 for nursing home care. Additionally, in-home care agencies charge higher fees of about $6,101.

In Chesterfield and throughout Michigan, assisted living facilities are officially called homes for the aged. These facilities are licensed by the Michigan Department of Licensing and Regulatory Affairs, which ensures compliance with state regulations and fields and resolves complaints related to facility conditions and quality of care.

• Chesterfield offers affordable health care services, but physician options may be limited. On a health cost index, health expenses, such as doctor’s office visits and inpatient hospital care, in Chesterfield come in about 17% below the national median. However, there are only about 139 doctors per 100,000 people compared to the national rate of 210. The city is home to Henry Ford Macomb Health Center, which offers primary care services, advanced wound care and imaging services.    
• Seniors in Chesterfield can navigate the city via SMART, a public transportation system that provides fixed routes and ADA-compliant curb-to-curb services throughout the Detroit Metro. Passes are sold online, and reduced fares are available to seniors and those with disabilities.    
• Chesterfield’s weather is cool with summer highs in the low-80s and winter lows in the teens. The city gets about 33 inches of rain and 32 inches of annual snowfall. Six months out of the year have significant snowfall, and January is the snowiest month, receiving an average of 10 inches.  
• Chesterfield is a generally safe community, which may appeal to older adults researching retirement options. On a 100-point crime index, the city’s violent crime rate is 12 compared to the national score of 22.7, and the property crime is rated 27.1 versus the national rate of 35.4.  
• Chesterfield is among the more expensive places in Michigan to live. Its overall cost of living is about 5% high than the national average and 15% higher than the state average. Transportation and housing cost more here than in the typical Michigan city, but seniors may save money on these living expenses by moving to assisted living. 
• Chesterfield seniors don’t pay state taxes on Social Security benefits, so those who rely on this form of retirement income may pay very little in taxes. Other types of retirement income are taxed, but seniors can claim a large deduction to minimize the expense.