Guide to Independent Living in Missouri


Approximately 17.3% of Missouri’s 6.1 million residents are aged 65 and older, which is above the national median of 16.5%. The state has an average cost of living index that’s about 14 points below the national average of 100, suggesting the typical Missourian gets more for their money than most Americans. Missouri taxes Social Security but it doesn’t kick in until the senior earns $85,000 annually, and there are also reasonably generous private and public pension exemptions. 

Missourians who choose independent living are relatively capable seniors who like residing in communities that have been designed with the needs of older residents in mind. Some live in apartments, others in duplexes or single-family homes that have been purpose-built or adapted for seniors, including features such as ramps, grab rails and smaller rooms that make cleaning easier. Neighbors often meet in their community’s clubhouse, which typically has at least one restaurant and multiple rooms for games, leisure programs and fitness classes. Some communities also have spas.

This guide looks at the costs of independent living in Missouri and some surrounding states. It also considers the costs of other types of care and lists some senior-friendly resources.