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ElderCareCosts
Updated August 2026

Adult Day Care in St. Cloud, Minnesota

St. Cloud, MN has 6 licensed adult day care centers listed on ElderCareCosts. The median estimated cost is $2,495/mo. That's below the Minnesota state median by about 4%.

Not sure which type of care fits? Take our 3-question care quiz →

Median monthly price, St. Cloud

$2,495/mo

Estimated range $2,380 – $2,716

● St. Cloud $2,495 ○ National median $2,058

Source: CareScout 2025 survey, adjusted for local wages

See all 6 providers →Compare costs →

What senior care costs in St. Cloud

2025 figures

Adult Day Care cost comparison (2025)
Adult Day CareSt. CloudMinnesotaNational
25th percentile$2,380/mo$2,482/mo$1,798/mo
Median$2,495/mo$2,600/mo$2,058/mo
75th percentile$2,716/mo$2,826/mo$3,033/mo

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Source: CareScout 2025 survey, adjusted for local wages (opens in a new tab)

Staying home instead

Home care in St. Cloud runs about $42 an hour. Here is what common schedules cost a month:

Hours of careWhat it looks likeEst. monthly cost
20 hrs/weekMornings or afternoons, weekdays~$3,659
44 hrs/weekMost of every weekday$8,050
24/7 (168 hrs/week)Round-the-clock coverage~$30,736

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Medicare generally does not cover long-term custodial care. Families usually combine private pay, long-term care insurance, VA Aid and Attendance, or a Medicaid waiver where they qualify. See paying for care and the state Medicaid guides.

What can you afford?

Here is what different monthly budgets cover in St. Cloud.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in St. Cloud runs about $2,495 a month. Income-restricted affordable senior housing is the other common choice, and St. Cloud has 6 such properties. The county aging agency at (320) 253-9349 can help you sort through options for free. If money is very tight, ask about Medicaid waivers.
Affordable senior apartments →
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care usually falls here. Full-time care at 44 hours a week runs about $8,050 a month. The local assisted living median is $6,308 a month, and smaller homes often charge less. If Medicaid may apply, ask about waiver programs.
Medicaid & waiver paths →
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the St. Cloud assisted living median of $6,308 a month with room to spare. It also covers close to full-time home care, about $8,050 a month.
How families pay →
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in St. Cloud run about $10,216 a month at the median. Around-the-clock home care usually costs more.
How families pay →
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6 adult day care centers in St. Cloud

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Between visits, a medical alert button covers the hours no one is in the house. See plans and the current offer. Sponsored

Free local help worth saving

St. Cloud, in Benton County, has about 70,629 residents. About 9,413 of them (13%) are 65 or older. The median household income is $61,374.

Source: US Census Bureau
  • Central Minnesota Council on Aging (CMCOA)(320) 253-9349cmcoa.org

    Area Agency on Aging serving this city.

  • Minnesota Long-Term Care Ombudsman Programltcombudsman.org

    State Long-Term Care Ombudsman program.

  • Minnesota State Health Insurance Assistance Program (SHIP)shiphelp.org

    State Health Insurance Assistance Program (SHIP).

  • Minnesota Aging and Disability Resources1-800-333-2433mn.gov

    Statewide help for older adults, people with disabilities and caregivers.

  • St. Cloud VA Medical Centerva.gov

    VA Medical Center in St. Cloud.

  • Elderly WaiverOfficial program page

    Can help pay for care if your parent qualifies.

  • Veterans options in St. Cloud

    1 VA Community Living Center or State Veterans Home nearby.

    St. Cloud MN CLC

    VA Aid & Attendance overview →

National helplines, including the Eldercare Locator and 211, are listed on paying for care.

Veterans & surviving spouses: VA Aid & Attendance can help wartime veterans who qualify. How Aid & Attendance works →

Questions families ask

Is adult day care in St. Cloud more expensive than the rest of Minnesota?

St. Cloud's median adult day care cost is about 4% lower than the Minnesota state median.

Find St. Cloud care options

Tell us what you need and your budget, and we will email you licensed options right away.

Find care options →

Reading up first? Adult Day Care across Minnesota → · Adult Day Care cost across Minnesota → · Adult Day Care vs Assisted Living →

Touring this week? Print our checklist: what to ask on a tour, what to notice, and the license paperwork to request. Or email it to yourself to have it on your phone.

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Adult Day Care in St. Cloud: 2026 Costs & Licensed Providers