Memory Care Communities in Saint Paul, Minnesota

Memory care costs more in Saint Paul than the respective state and national average monthly rates of $5,635 and $5,625. Indeed, Saint Paul is one of the state’s priciest locations for memory care. Monthly fees decrease to $6,250 in Duluth and $5,225 in Rochester. Memory care communities in Saint Cloud generally charge around $1,329 less than those in the state capital. Mankato has some of Minnesota’s lowest prices for dementia care, with a median monthly cost of $3,919.   

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we’ve estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth’s 2021 Cost of Care Survey.

Memory care costs an average of $6,454 per month in Saint Paul. Actual costs vary depending on services and amenities.

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

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

For more information about different ways to finance memory care, visit our Memory Care in Minnesota page.

In Saint Paul, seniors who opt to receive support and care to age in place usually pay around $7,055 per month for both in-home and home health care. This is over $600 more than memory care. Assisted living is $1,291 more affordable than dementia care. Nursing homes are the costliest local long-term care option, running $11,708 per month for a semiprivate room. Conversely, adult day health care is the most affordable choice, costing about $2,101 per month.    

The Health Regulation Division of Minnesota Department of Health licenses all memory care facilities in Saint Paul and the rest of Minnesota. The department is responsible for ensuring facilities comply with their licensing terms as well as state and federal regulations.

• The overall cost of living in Saint Paul is slightly lower than the national average. The most significant savings are typically in relation to health, housing and utilities. On the downside, Minnesota fully taxes retirement savings and pensions. The state also partially taxes Social Security income. The fixed monthly fees for living in a memory care facility may help families better manage living costs for elderly relatives.
• Saint Paul offers easy access to affordable health care. The city boasts more doctors per capita than many other places around the country, with 279 clinicians per 100,000 people compared with the national average of 210. Medical costs are around 12% lower than the U.S. average.
• Saint Paul has more than ten hospitals in a 20-mile radius, as well as plentiful specialized clinics and pharmacies. The closest hospitals to downtown include AllinaHealth’s United Hospital, HealthPartners’ Regions Hospital and M Health Fairview Bethesda Hospital.
• Seniors who enjoy distinct seasonal variations may like the diverse climate in Saint Paul, with hot, sunny summers and cold, snowy winters. The city has slightly less rainfall than the U.S. average but sees some 24 extra inches of snow each year than the national norm.
• Minnesota is one of the states that has enrolled as a member of the AARP Network of Age-Friendly Communities. This means that the overall state is committed to becoming a better place for people of all ages to live. Among localized initiatives across the state, Saint Paul has received several grants for citywide projects. These include enhanced accessibility to transportation hubs, improved pedestrian areas, beautification of public spaces and better housing.