Whether you’re an urbanite who loves to hit the town or an outdoor enthusiast who enjoys exploring everything nature has to offer, Naperville, Illinois, has something for you. As Chicago’s next-door neighbor, Naperville not only offers easy access to the Windy City, but it also boasts ample entertainment and dining options of its own. Despite Naperville’s large size, it also features plenty of opportunities to get outdoors, including its parks and forest preserve network.
Independent living gives seniors the opportunity to stay connected to their community and home city while living among 55-and-over peers. Here at A Place for Mom, we partner with 23 independent living communities in the Naperville, Illinois, area. These facilities provide older adults with a variety of accommodation options and access to engaging activities, events tailored to residents’ interests, maintenance services, and more.
The Naperville independent living facilities listed here are all within a 10-mile radius of downtown Naperville, so seniors who make these communities home can enjoy easy access to sightseeing and social activities. According to A Place for Mom’s proprietary data, most of these facilities are pet-friendly, offer complimentary transportation, provide Wi-Fi, and have recreational spaces such as fitness centers and game rooms.
In this guide, we’ll explore your options for independent living in Naperville, as well as the costs, financing options, how to pay for health care, residential laws and regulations, and how to get around town to make your search for independent living simple.
My mother loves the staff. She loves the atmosphere. They go on outings almost every Wednesday and she looks forward to those outings. A varied list of activities. She has a great time. The staff is very...
It was a very great experience. I will come back if I can. Too many people making the food and even different ingredients. It's never the same.
My mom moved into Sunrise of Naperville last year. We looked at the newer, more modern places and decided to move to one of them. I am embarrassed to say it was because it was "prettier" and the salesperson...
What we like the most about HarborChase of Naperville are that the people are friendly. I feel they can improve on communication and improve on activities for the memory care population.
I am very comfortable and enjoy living at Brookdale. I appreciate the staff and their professionalism. When I need something, the staff is responsive to my needs. I feel safe in my apartment and in the...
She has been very happy at The Timbers and everything is going well. I live an hour away and visit every other weekend. Not only do the CNA's know all the residents, they address me by my first name. I can't...
Staff treat the residents like their own family. Tons of activities, events, outings, socialization. Excellent nursing and PT/OT/Speech services. Great food. My mom has independence but assistance when...
Well, the staff was very friendly and would give great updates about our mom. Mom passed back on [name removed] but our experience at Cedarhurst was good.
What we like the most about American House Cedarlake is the location of the community as well as the staff who work there. Based on the experience we have had so far, we would recommend this community to...
Brookedale of lisle has been a great place for my parents. They have so many wonderful activities for the residents every day. The facilities are beautiful. There is so much for them to enjoy. They even...
I wish the meals were healthier but I also concede that they probably appeal to an older audience. There are a lot of activities and they seem open to suggestions for new things. My MIL participates in some...
Everything receives a 5 for night, especially the staff. My mom said the food is good and activities keep her busy and I would recommend this community to other families based on the experience we have had...
I would give all a 5. We are very pleased with Story Point. The staff at Story Point Bolingbrook make it a point to know the residents name's. It makes it more personal. Everyone is friendly and respectful....
We were at a loss as to how to begin our journey in finding a home for our mother. [name removed] with A Place for Mom was incredible in helping us find the right fit for our needs. Our Mom loves her new...
We visited in hopes to find a home for my Mom and Dad. Mom went with us and was truly amazed at the place right away. It doesn't feel like a retirement home, but an apartment home. The rooms are spacious,...
We love it here. Very helpful our home is beautiful maintenance guy is wonderful some thing goes out and he fixes it so no complaints. Would recommend it to my friends and family. We can do as much...
Only one thing could be improved; there are some residents that are not friendly and pick on others which is junior high behavior and I suppose that is everywhere. The staff and management are super. The...
We needed a short-term assisted living place for mom due to family vacations. This place came through for us. The price was right and they had only a 3-day minimum. When our mom is ready for a long term...
We recently moved our loved one into Ciel's memory care facility. Was it an perfect experience, no it was not; however, the overall sense of urgency the management has, and care of the staff towards the...
Brighton Gardens has an excellent staff throughout the facility. A good number of the staff have been there many years which speaks volumes. They give wonderful compassionate care. It is clean and well...
We could not be happier with the care our friend is getting. The staff is wonderful. The nurse/administrator is a true angel. It is an older building, but it is beautiful and clean!!!! Like walking in to an...
I would say that it was a wonderful place for parents on fixed income. And even if you are private pay they provide a ton of activities and access. It is located in a great spot as well within reach of...
What our family likes the most about Villa St. Benedict is the staff members, they are so friendly. We also really like the welcoming atmosphere it has. Based on the experience we have had so far, we have...
I would give them a 5 on everything. I was assisting an elderly woman (no relation) who was abandoned by her adult son. I spoke with the lady a couple weeks after she had moved in and she seemed very happy /...
We developed a proprietary recommendation system that orders Naperville 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
In Naperville, the average actual cost of independent living is $4,613 per month.{{citation: 1}} This data includes associated fees and service fee add-ons, giving you a comprehensive picture of what you can expect to pay.
The following cost figures represent the average baseline costs for independent living in the area and do not include additional fees or add-on amenities and services.
The financial landscape of senior living can be complex. Because independent living facilities aren’t senior care communities, programs such as Medicaid, Medicare, and long-term care insurance don’t cover the costs of independent living communities. However, they may still be options for medically necessary in-home care services seniors bring into their independent living facility.
This section will provide clarity on potential funding sources for your independent living arrangements in Naperville. We’ll cover the various payment options available, including private pay methods, VA benefits, Medicare, and Medicaid.
As independent living facilities are not considered care facilities, long-term care insurance does not cover independent living expenses. However, there are several private pay options available for seniors. These include funds from savings, Social Security benefits, pensions, and investment returns.
If you own a home and have substantial equity, selling it or getting a reverse mortgage could contribute to covering independent living costs. If you have a life insurance policy, you can also consider converting it into a source of regular income.
Each of these private financing methods could play a key role in enabling a comfortable and enjoyable experience in an independent living community in Naperville. As you navigate this important decision, we encourage you to explore all available options. Learn more about some of your private pay options below:
Number of veterans who live in Naperville
About 48% of Naperville veterans are 65+
For veterans considering independent living in Naperville, there are benefits and resources available that could help offset the costs. The U.S. Department of Veterans Affairs offers certain programs that eligible veterans may access, including the Aid and Attendance benefit, VA disability compensation, and VA Pension. For a detailed guide on all the VA benefits that are available, see the Illinois Veterans’ Benefits guide.
For eligible veterans and their surviving spouses, the VA Aid and Attendance benefit provides a monthly amount that could help with independent living expenses in Naperville. This benefit is based on a needs assessment, considering the applicant’s financial status and medical conditions. To apply, fill out VA Form 21-2680 and submit it to your pension management center or present it in person at the regional VA office.
The VA Pension is another resource that can be used to reduce housing or health-related costs. Applications can be completed online or by mailing the VA Form 21P-527EZ to the VA Pension Intake Center. Alternatively, you can also submit your application at your regional VA office.
The VA also extends disability compensation to veterans who have suffered disabilities due to their service. To apply, mail VA Form 21-526EZ-ARE to your regional VA office, submit it in person or apply online.
Eligibility requirements and the application process for these benefits can be overwhelming — that’s where veterans services officers come in. These specialists are VA-vetted and specifically trained to help veterans and their families understand and gain access to their hard-earned benefits. It’s crucial to get in touch with a veteran services officer in Naperville through the VA office or at veterans services organizations (VSOs), such as the Veterans of Foreign Wars or American Legion.
Resources for Naperville veterans
Illinois Department of Veterans Affairs – Wheaton Office
421 N. County Farm Road, Room 2600-A
Wheaton, IL 60187
Phone: 630-690-9449
Hours: Monday through Friday, 8:30 a.m. – 4:30 p.m.
Illinois Department of Veterans Affairs – North Aurora Office
IDES Building
2 Smoketree Plaza
North Aurora, IL 60542
Phone: 217-836-6967
Hours: Tuesday and Thursday, 9 a.m. – 3:30 p.m.
Illinois Department of Veterans Affairs – Chicago Office
George Dunne County Building
69 W. Washington St., Suite 1620
Chicago, IL 60602
Phone: 312-814-2460
Hours: Monday through Friday, 8 a.m. – 4 p.m.
American Legion Post 43
10 W. Chicago Ave.
Naperville, IL 60540
Email: AmericanLegionPost43@naperlegion.org
Judd Kendall VFW Post 3873
908 W. Jackson Ave.
Naperville, IL 60540
Phone: 630-355-7664
Email: vfwpost3873@sbcglobal.net
VFW Department of Illinois
2122 W. Taylor St., Room 105
Chicago, IL 60612
Phone: 312-980-4284
Fax: 312-706-6680
Email: Derek.Giffin@va.gov
While the Illinois Medicaid program, HealthChoice Illinois, does not cover the cost of rent for independent living in Naperville, it does provide essential support for health care expenses. It can also cover medically necessary in-home health care services that can be performed within an independent living community. These services are primarily made possible through special home and community based services (HCBS) waiver programs.
Illinois offers several waivers for different groups, including the following:
To apply, visit the Application for Benefits Eligibility website.
Navigating Medicaid and its many resources can be challenging. Thankfully, there are local resources to guide you through this process. AgeGuide, Naperville’s Area Agency on Aging, is a fantastic resource. The agency provides assistance with understanding eligibility and the application process. In addition, the long-term care ombudsman and the home care ombudsman can help guide seniors and their families through these complex processes.
Naperville resident Medicaid resources
HealthChoice Illinois
Phone: 877-912-8880
Email: hfs.webmaster@illinois.gov
Hours: Monday through Friday, 8 a.m. – 6 p.m.
DHS Family Community Resource Center in DuPage County
1717 Park St., Suite 105
Naperville, IL 60563
Phone: 630-328-1000
Fax: 331-702-8935
AgeGuide
1910 S. Highland Ave., Suite 100
Lombard, IL, 60148
Phone: 630-293-5990
Fax: 630-293-7488
Hours: Monday through Friday, 8:30 a.m. – 4:30 p.m.
Illinois Long-Term Care Ombudsman Program
421 N. County Farm Road
Wheaton, IL 60187
Phone: 630-407-6500
Fax: 630-407-6501
Email: ITDOMB@dupageco.org or Trish.Niewoehner@dupageco.org
Illinois Home Care Ombudsman Program
Phone: 800-252-8966
Email: Aging.HCOProgram@illinois.gov
Medicare aims to support seniors who are 65+ and individuals who suffer from certain disabilities. It does not directly cover the costs associated with independent living, such as rent. However, it does provide support for short-term medical needs and in-home health care services.
To learn more about Medicare coverage, you can visit Medicare.gov. To apply for Medicare, you can contact your local Social Security Administration office or submit an application online.
Understanding Medicare and applying for coverage can be a challenge. But don’t worry: The long-term care ombudsman can help. An ombudsman is a government-appointed official who helps seniors navigate the Medicare system. This official can help you understand whether you’re eligible and even help you complete your application. This invaluable resource is free, so don’t hesitate to get the help you need to access Medicare coverage.
The following are a few Medicare programs you may qualify for that could help you cover medically necessary in-home care for short-term medical needs.
Illinois offers several Medicare Savings Programs that can help seniors cover some out-of-pocket costs. You can refer to the Illinois Medicare Savings Program chart for detailed information and application instructions. To start your application, visit the Application for Benefits Eligibility website.
The Illinois Department on Aging offers a SHIP program that provides free health insurance and benefits counseling to help seniors navigate the complexities of Medicare. Visit the Illinois Department on Aging website to learn more.
Scheduled for launch in June 2024, Illinois is introducing PACE, which will offer community-based, comprehensive health services for seniors who would otherwise need nursing home care. The goal of PACE is to give seniors more choices for how they receive care as their needs change with age, enabling them to stay home or in their independent living communities longer.
Naperville resident Medicare resources
Social Security Administration
7440 Providence Drive
Woodridge, IL 60517
Phone: 866-303-2724
Fax: 833-950-2770
Hours: Monday through Friday, 9 a.m. – 4 p.m.
DHS Family Community Resource Center in DuPage County
1717 Park St., Suite 105
Naperville, IL 60563
Phone: 630-328-1000
Fax: 331-702-8935
AgeGuide
1910 S. Highland Ave., Suite 100
Lombard, IL, 60148
Phone: 630-293-5990
Fax: 630-293-7488
Hours: Monday through Friday, 8:30 a.m. – 4:30 p.m.
Illinois Long-Term Care Ombudsman Program
421 N. County Farm Road
Wheaton, IL 60187
Phone: 630-407-6500
Fax: 630-407-6501
Email: ITDOMB@dupageco.org or Trish.Niewoehner@dupageco.org
SHIP
Phone: 800-252-8966
Email: aging.ship@illinois.gov
In Illinois, stand-alone independent living communities do not require a license because they are not categorized as care facilities by the Division of Assisted Living. They are, however, subject to rental and housing laws that apply to all rental properties in the state. On the other hand, facilities that combine multiple care types — including independent living, assisted living, and memory care — must comply with certain regulations and requirements.
Of our 23 partner independent living communities in Naperville, six are stand-alone independent living facilities; 11 are a combination of independent living, assisted living, and memory care; and six are a combination of assisted living and independent living.
Independent living communities in Naperville are committed to providing a secure and inclusive environment for residents. To ensure this, these communities adhere to a number of key laws and regulations.
Fair housing laws are in place to prevent discrimination in all aspects of real estate transactions, including renting or leasing within independent living communities. Additionally, the Illinois Human Rights Act, overseen by the Illinois Department of Human Rights, protects residents from discrimination in housing and other areas like employment, access to public accommodations, and financial credit.
When it comes to compliance with building and safety codes, independent living communities in Naperville, like all other rental properties in Illinois, are subject to regular inspections. These inspections are carried out by the City of Naperville’s Code Enforcement Division and building inspectors, who work tirelessly to uphold these regulations. Fire safety inspections are also conducted yearly on all commercial and multi-family occupancies to verify all regulations and codes are up to date.
To maintain transparency and ease for residents and potential renters, the city offers a public database of building permits and inspection reports. This resource allows individuals to review recent inspections and stay informed about any potential issues or violations.
Lastly, independent living communities in Illinois typically require residents to be 55 years or older. This age limit fosters a welcoming atmosphere where older adults can connect, feel a sense of belonging, and enjoy shared experiences. This community-centric environment is integral to independent living in Naperville and throughout the state.
Seventeen of our partner independent living communities also provide assisted living and/or memory care services. These combination facilities are subject to additional regulations to ensure the safety, accessibility, and comfort of their residents.
Facilities offering assisted living services in Naperville fall under the jurisdiction of the Illinois Department of Public Health (IDPH). They are considered “assisted living establishments,” where personal care, 24-hour security and supervision, and assistance with activities of daily living are provided to residents who require that level of care. These combination facilities must meet the licensing requirements set forth by the IDPH, and the IDPH performs regular inspections to ensure all standards are met. To review inspection reports and licenses, you can submit a Freedom of Information Act request.
In Illinois, combination facilities must ensure at least one staff member is on duty at all times to tend to the needs of residents. Staff members are also required to receive training in various areas, including resident care, medication management, emergency procedures, and effective communication. These establishments can offer some health care services, though not to the extent of skilled nursing care.
Illinois Department of Public Health
122 S. Michigan Ave., Seventh and 20th Floors
Chicago, IL 60603
Phone: 312-814-2793
69 W. Washington St., 35th Floor
Chicago, IL 60602
Phone: 312-814-5278
While there are currently no COVID-19 regulations that are specific to independent living facilities in Naperville, it’s important to check with individual locations to learn about any guidelines they might have in place. DuPage County recommends following the guidelines from the Centers for Disease Control and Prevention (CDC), including the following:
To stay healthy and prevent the spread of COVID-19, the CDC advises vaccination and staying up-to-date with boosters.
Facilities should ensure proper ventilation and sanitize high-touch surfaces and common areas often.
Masks are recommended in public.
Regular COVID-19 testing and personal protective equipment may be required for the health and safety of residents.
Naperville offers a variety of independent living communities tailored to different lifestyles and care needs. The city is known for its friendly atmosphere, rich history, and diverse cultural and recreational amenities, making it an excellent location for senior living.
Naperville’s stand-alone independent living facilities are a great option for seniors looking for a low-maintenance lifestyle. These communities offer appealing amenities, including social activities and communal dining spaces. Some facilities even include luxury options, including upscale dining, expansive living spaces, and stunning views of the surrounding area.
Of our 23 partner independent living communities in Naperville, 17 offer combined independent living, assisted living, and memory care options. These facilities cater to seniors who value their independence but require some assistance with activities of daily living. This option is also appealing to seniors who want to stay in the same community as their care needs change over time.
Naperville features both affordable and luxury options for independent living. Seniors who are looking to enjoy a comfortable lifestyle at a budget-friendly cost can opt for more basic amenities while still being able to utilize essential services such as meals and transportation to doctor’s appointments. Those who are looking for more high-end options can enjoy beauty salons, expansive common areas, and beautiful views from the facility. Regardless of your budget, you can enjoy a worry-free lifestyle — and in many communities, you can bring along your furry friend!
The diversity of independent living options in Naperville ensures there’s something for everyone, whether you’re seeking a stand-alone community or a combined care facility. Regardless of your preference, you can expect to find a community that not only meets your care needs but also offers a vibrant and engaging lifestyle, reflecting the spirit of Naperville itself.
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Number of seniors over the age of 65 currently living in Naperville
Median annual income for Naperville seniors 65 and older
Edward Hospital holds the No. 8 spot among Illinois hospitals, distinguished for its exceptional spinal fusion surgeries and cardiology treatments.
RUSH Copley Medical Center in Aurora provides a comprehensive range of services, from general surgery to internal medicine. Its offerings also include responsive treatments for heart failure and highly successful hip and knee replacements.
The VA hospital closest to Naperville, this facility in Hines specializes in mental health care, with an emphasis on PTSD treatment and women’s health.
Naperville is largely car-dependent, reflected in its walk, bike, and transit scores: 34, 45, and 12, respectively. On a scale of 100, these scores are based on factors including proximity to amenities, pedestrian-friendliness, and road connectivity, providing a snapshot of the city’s walkability, the ease of biking, and the efficiency of public transportation.[07]
Despite the city’s car-dependent nature, Naperville provides two reliable public transportation systems: the Metra train for easy access to Aurora and Chicago and the Pace bus system for local travel. The Metra connects various parts of the city with a seamless network, while Pace runs a standard city loop.
For seniors considering independent living in Naperville, transportation assistance through the facilities themselves can make all the difference. Conveniently, 87% of facilities partnered with A Place for Mom offer complimentary transportation for outings, shopping, or medical appointments. Additionally, 61% offer transportation services at a cost, giving you a broader range of options for your mobility needs.
Ride DuPage, a transportation program dedicated to enhancing services for seniors aged 65+ and persons with disabilities, is also available for seniors seeking reliable transportation options. Implemented by the Naperville/Lisle Area Transportation Partners and Pace, this program offers 24/7 curb-to-curb transportation via buses or taxis at significantly reduced rates.
For seniors with special needs, opting for senior-specific private transportation options can provide greater comfort. Assisting Hands Home Care is a reliable service that offers transportation services tailored to seniors’ unique requirements, ensuring they can reach various destinations, including doctor’s appointments and grocery shopping, throughout town. The caregivers at Assisting Hands Home Care collaborate with seniors to create a personalized schedule.
Another private option available for seniors aged 60+ is Ride Assist Naperville (RAN), a program operated by Naperville Seniors in Action, a 501(c)(3) organization. RAN offers transportation for medical appointments, and although riders are not required to pay, donations are accepted. Volunteer drivers provide assistance from picking seniors up at home to safely returning them after their appointments.
Naperville offers countless opportunities for seniors to enjoy life to the fullest. A blend of indoor and outdoor activities, as well as passive and interactive options, offer something for everyone.
An exciting range of attractions that appeal to a wide variety of interests can be found in Naperville. Stroll through the charming downtown for a memorable shopping and dining experience, participate in popular events, or simply enjoy a leisurely walk along the Riverwalk.
Naperville offers a rich array of cultural attractions, catering to the interests of enthusiasts. The city boasts numerous museums, art galleries, and theaters, ensuring diverse experiences. Throughout the year, Naperville hosts vibrant festivals and events, such as the Riverwalk Fine Art Fair and the Naperville Wine Festival. These gatherings create opportunities for seniors to fully engage with the local culture and partake in community festivities.
If you have an interest in the history of the town, Naper Settlement is a must-visit destination. Encompassing a 13-acre area, this museum allows guests to explore its grounds and uncover the stories of the past. With 30 meticulously preserved historic buildings, visitors can gain insights into how the town’s heritage intertwines with the present, all while being guided by knowledgeable costumed interpreters. For seniors aged 62 and above, special discounted tickets are available, priced at $10 from May to October and $5 from November to April.
Naperville’s parks provide several opportunities for outdoor enthusiasts, including activities specifically for seniors. Engage in gardening, golf, bingo, or even senior kung fu. Naperville also has a vast parks and forest preserve network. Knoch Knolls is one such park filled with beautiful flora and fauna that offers hiking, boating, fishing, and even an 18-hole disc golf course.
For seniors who love music, Singing for Seniors provides easy access to shows, with transportation available if needed. Similarly, the Senior Suburban Orchestra offers musicians an opportunity to continue honing their musical talents and connect with other like-minded seniors.
If you’re seeking a more structured day-to-day life, the city’s senior centers provide a range of activities. Visit the Naperville Senior Center for its performing arts center, activity center, exercise facilities, and quiet rooms. Or check out the Levy Senior Center for its assortment of art classes, dancing, games, and other social activities. Additionally, the Alfred Rubin Riverwalk Community Center is a hub for senior programs, offering a range of daily activities and daytime outings. These programs are designed to cater to a variety of tastes and preferences, ensuring every senior has an opportunity to engage in something they love.
Naperville is an excellent example of a city that values its senior community. It offers a diverse range of opportunities, including art, music, sports, and socializing, promoting an active and vibrant lifestyle. With activities that cater to every taste and ability, Naperville provides the perfect environment for seniors to engage, grow, and just have fun.
Independence Village Naperville, Sunrise of Naperville North and Mercy Circle Senior Living are the top-rated Independent Living facilities near Naperville, IL. These Independent Living facilities received the highest rankings based on verified family reviews. See full list of communities.
The average cost of Independent Living in Naperville is $5,523 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
A Place for Mom. (2023). A Place for Mom proprietary data.
United States Census Bureau. (2021). Veteran Status (S2101). American Community Survey.
United States Census Bureau. (2021). Age and Sex (S2101). American Community Survey.
U.S. News & World Report. (2023). Edward Hospital – Main Campus.
U.S. News & World Report. (2023). Rush Copley Medical Center.
U.S. Department of Veterans Affairs. (2023). Edward Hines Junior Hospital.
Walk Score. (2023). Living in Naperville.
Ask an A Place for Mom local advisor at no cost.
A Place for Mom. (2023). A Place for Mom proprietary data.
United States Census Bureau. (2021). Veteran Status (S2101). American Community Survey.
United States Census Bureau. (2021). Age and Sex (S2101). American Community Survey.
U.S. News & World Report. (2023). Edward Hospital – Main Campus.
U.S. News & World Report. (2023). Rush Copley Medical Center.
U.S. Department of Veterans Affairs. (2023). Edward Hines Junior Hospital.
Walk Score. (2023). Living in Naperville.