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The average cost of assisted living in the county is $4,770 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 12 assisted living facilities in McHenry County and 30 in surrounding areas.
Nestled in the growing community of McHenry just outside of Chicago, residents of Fox Point enjoy small-town living with easy access to McHenry’s historic downtown.
Opening in October 2016 Clarendale of Algonquin is a community that offers extraordinary independent living, service rich, and comfort that is located in Algonquin Illinois.
Bickford of Crystal Lake, one of Illinois' premier assisted and memory care communities, offers personalized services and activities that encourage a fulfilling lifestyle.
Sunrise of Crystal Lake is a welcoming community that offers the amenities and convenience of living near a big city coupled with the peace and quiet of a small-town suburb.
Designed to serve adults 62 and older who may need some help to maintain their independence, Heritage Woods of Huntley provides a wonderful alternative to living alone at home.
Independent Living means there is still so much to do, see, learn and share with friends, family and the community. Seizing each day, every day with new sights, people, things and skills can lead to experiences that bring joy and…
Eastgate Manor is the leading destination for supportive living in Illinois. We are proud to have been the first Certified Supportive Living Community in McHenry County and today we remain a top-rated supportive living facilities in Illinois. Since 2000, we…
Our program provides opportunities to maintain a sense of purpose and belonging throughout the different season of dementia. We focus on abilities rather than limitations because we understand that as we age, our heart's hopes and desires do not. We…
Call 1-800-991-9257 for details
Harvard, a cozy community of 9,119, is cradled among famers’ fields and stables about six miles South of the Illinois/Wisconsin border. In this rustic setting, Shepherd Premier Senior Living has completely renovated a 156-year-old, 7,300-square-foot Victorian Independent Living Home. The…
Call 1-800-991-9257 for details
Families will experience peace of mind knowing their loved one will live surrounded by friends and have supportive services close at hand when joining Three Oaks Assisted Living & Memory Care.
Sunrise of Crystal Lake is a beautiful assisted living community where residents and their loved ones are treated like family. This Victorian-style residence is clean, comfortable and well appointed for those who appreciate both fine amenities along with all the comforts of home. The management team is compassionate,...Read more Sunrise of Crystal Lake reviews
We really like Sunrise’s program. They charge about $200 a day including memory care. They don’t charge anything extra for memory care. The facility is very nice with a lot of big public spaces, lot of grounds, and gardens. The only drawback to them was they're really only equipped for single people. There were bigger ...Read more Sunrise of Crystal Lake reviews
We selected Bickford of Crystal Lake for my mother-in-law. It's small, homey, only one floor, and only 37 patients, and that's what she likes. The food is fantastic. They're all home-cooked meal. Everything you can think of, they have it there. They have a salon, a spa, manicures, a dining room, fireplace room, outside...Read more Bickford of Crystal Lake reviews
I really liked Bickford of Crystal Lake. It was beautiful and I liked the activities they had. I liked everything they offered. The staff member who showed me around was awesome and great. The place felt homey. The bar and the food were nice. I highly recommend it.Read more Bickford of Crystal Lake reviews
Heritage Woods of Huntley feels like home! Upon entering the assisted living residence you are greeted by the friendly, helpful concierge and folks who live there are just as engaging. The community itself feels fresh, comfortable and inviting. There always seems to be something happening at Heritage Woods of Huntle...Read more Heritage Woods of Huntley reviews
I am so impressed with Three Oaks. My 90 yr old mother-in-law in happy, safe, well-cared for in a beautifully decorated, clean smelling "home". I love the staff and all my and my mother-in-laws concerns (which can be "old fashioned" at times) are addressed and resolved quickly.Read more Three Oaks Assisted Living & Memory Care reviews
Of the major regions surveyed, McHenry County is among the most expensive for assisted living. According to data published in the Genworth 2018 Cost of Care survey, assisted living in this county costs an average of $4,770 per month, versus the state average of $4,030 and the national average of $4,000. The county’s assisted living costs are surpassed only by Bloomington ($4,650). The most affordable cities for assisted living include Carbondale, where the average monthly cost is $3,475, and Champaign ($3,578).
Note: Cost data for assisted living in McHenry County is unavailable, so data for the closest city, Rockford, was used.
Cost of Assisted Living Comparison Chart
The cost of senior care greatly depends on the level of care needed. In McHenry County, the most affordable type of senior care is adult day health care, which has an average monthly rate of $1,647. Home care services, including homemaker and home health aide services, cost an average of $3,886 per month. This assumes 44 hours of care per week at $20.38 per hour. The cost of assisted living, which generally includes care services, room and board and meals, averages $4,770 per month. The most expensive type of care in McHenry County is nursing home care, where seniors and families pay an average of nearly $6,000 per month for a semiprivate room.
Cost of Homemaker/Home Health Aide Comparison Chart
McHenry County seniors who meet income guidelines may qualify for free or low-cost health insurance coverage through Illinois Medicaid, which is called Medical Assistance Program. This program is an entitlement, meaning that all eligible applicants will receive benefits, and it may cover home care services and adult day health care services. While Illinois Medicaid does not pay for services in assisted living establishments, shared housing establishments or sheltered care facilities, there are two waiver programs that may provide coverage for these services. These programs are outlined below.
To qualify for Illinois Medicaid, applicants must be:
Those who do not meet the income and asset requirements may still qualify for Medicaid through a spend-down program called the Medically Needy Pathway or through Medicaid planning, which is for those who are unable to afford their medical bills.
In addition to standard Medicaid coverage, applicants may be eligible to have their senior care services covered through two home and community-based waiver programs.
The Supportive Living Program pays for services received in an assisted living facility by low-income individuals who qualify for nursing home level care. While this waiver does not pay for room and board in an assisted living facility, it does cover services, such as personal care assistance, social and health activities and medication management.
To receive financial assistance through Illinois Medicaid, seniors must apply through the Department of Human Services website or call (800) 843-6154 and obtain a needs screening through the Department on Aging.
Optional State Supplement
Low-income seniors in McHenry County who meet the qualifications for Supplemental Security Income may be eligible to receive an optional state supplement (OSS) on top of their SSI benefit. This cash benefit can be used toward assisted living costs, including room and board. In Illinois, the benefit received is based on state-approved allowances provided for specific needs, which may vary from person to person. To learn more about OSS or to apply for this benefit, applicants can visit the Illinois Department of Human Services website or call (815) 338-0234.
Veterans Assistance Commission
Qualifying veterans who need personal care services may receive financial assistance through the McHenry County Veterans Assistance Commission. This assistance is used to help pay for independent living services, enabling veterans to continue living independently for as long as possible. This financial assistance is available to eligible honorably discharged veterans and their eligible immediate family members, including their surviving spouse. To apply for assistance, veterans should contact the Veterans Assistance Commission of McHenry County at (815) 334-4229.
Assisted Living Bridge Loans
Seniors in McHenry County who are transitioning to an assisted living facility and need short-term financial assistance may have the option of taking out an Elderlife Bridge Loan. This short-term loan allows borrowers to pay for room and board and care services while they’re waiting for other funding to come in or benefits to begin paying. This funding may be used as a line of credit or taken out as a lump sum, and interest-only monthly payments are available. To apply for an assisted living bridge loan, contact Elderlife Financial Services at (888) 228-4500.
McHenry County provides a variety of services for local veterans, including transportation, advocacy services and financial assistance. The county is also home to an outpatient clinic, where veterans can receive a variety of health care services, and an active American Legion post.
McHenry VA Outpatient Clinic
3715 Municipal Drive, McHenry, IL 60050
American Legion Post 491
1331 N Riverside Drive, McHenry, IL 60050
Veterans Assistance Commission
667 Ware Road, Woodstock, IL 60098
Local senior centers provide McHenry County seniors with a variety of engaging, enriching opportunities, including educational workshops, day trips and movie nights.
McHenry Township Senior Center
3519 North Richmond Road, Johnsburg, IL 60051
Kraus Senior Center
441 Main Street, Cary, IL 60013
McHenry County supports local seniors through Senior Services Associates, Inc., an organization that connects seniors with transportation programs, assessment and care coordination and advocacy services.
Crystal Lake Senior Services Associates, Inc.
110 West Woodstock Street #B, Crystal Lake, IL 60014
McHenry Senior Services Associates, Inc.
3519 North Richmond Road, Johnsburg, IL 60051
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