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The Harbor at State and Main
Independent Living · Racine, WI
Exterior view of The Harbor at State and Main facility Logo of The Harbor at State and Main Cozy resident room with dining area and kitchen Interior view of a lounge area with seating

The Harbor at State and Main

Independent Living · Racine, WI
141 Main St Unit 105, Racine, WI 53403 View map
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Overview of The Harbor at State and Main

Situated in downtown Racine, Wisconsin, The Harbor at State and Main serves active adults aged 55 and older. The community targets individuals who handle their own daily tasks and prefer an independent lifestyle free from personal care services.

Living options consist of one-bedroom and two-bedroom floor plans, giving couples the option to share a larger space. Pets are welcome in the building, and the surrounding area features easy access to local shops, galleries, eateries, parks, and waterfront marinas. Given the walk score of 83, residents can manage most everyday trips on foot without needing a personal vehicle.

Individuals interested in learning more or visiting the property can reach out to the management team to ask questions and schedule a visit.

Facility Direct Line (262) 632-3308
By The Numbers

Community insights.

Walk Score Info Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk. Rank #17 / 190Walk Score — State benchmarked This independent living community is ranked 17th out of 190 independent living communities we track in Wisconsin for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Wisconsin facilities. Higher scores benefit residents, families, and staff. Communities with the same value for a metric share the same rank. Rankings compare like with like: every independent living community we track in Wisconsin that reports data for that category. Independent living communities without available data are excluded, so the pool size varies from metric to metric.
83 / 100

About This Community

Additional Services

3 services
MaintenanceListed as: 24-hour emergency maintenance
Laundry & Linen
Transportation

Additional Policies & Features

Pets AllowedDogs and cats allowed. Pet fee/deposit applies.
Minimum Age55

Amenities & Lifestyle

Movie Theater
Elevator
Bbq Area
Fitness Center
Parking
Separate Party Room
Free Storage

Room Accommodations

Building TypeMid-rise
1 Bedroom 685–897 sq ft
2 Bedroom 1,057–1,059 sq ft
In-Room Features
Washer/Dryer

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Living Spaces & Floor Plans for The Harbor at State and Main

Floor plan 1
Floor plan 1
Layout
Floor plan 2
Floor plan 2
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Floor plan 3
Floor plan 3
Layout

Places of interest near The Harbor at State and Main

Address 0.5 miles from city center Info Estimated distance in miles from Racine's city center to The Harbor at State and Main's address, calculated via Google Maps. — 19.65 miles to nearest hospital (Aurora St Luke's Medical Center)

Calculate Travel Distance to The Harbor at State and Main

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Financial assistance

Programs that may help with care and living costs in Wisconsin

The Harbor at State and Main is in Racine, Wisconsin. These programs may support different care settings or living expenses. A listing does not confirm this community participates; our concierge team can help confirm.

Get financial aid guidance
Prescription costs

SeniorCare Prescription Drug Assistance

Wisconsin SeniorCare

Income limit
2026 · Income determines participation level rather than a hard exclusion at 240% FPL; Individual annual thresholds: Level 1 up to $25,536; Level 2A $25,537 to $31,920; Level 2B $31,921 to $38,304; Level 3 $38,305 or more; Couple thresholds differ.
Asset limit
Assets are not counted according to the official Kenosha County ADRC program listing; income from assets can count under state income rules.

Eligibility

General
Wisconsin resident age 65 or older who is a U.S; citizen or qualifying immigrant; not enrolled in full Medicaid; Other insurance including Medicare may be coordinated.
WI specifics
$30 annual enrollment fee per person and annual renewal; deductible and spenddown depend on income level.

What it provides

  • Covered prescription assistance; Level 1 has no deductible; Levels 2A and 2B have $500 and $850 deductibles; Level 3 has spenddown then $850 deductible; Applicable covered-drug copays are $5 generic and $15 brand after requirements are met.
Medicare costs

Medicare Savings Program (MSP)

Wisconsin Medicare Savings Program

Who it is for
Medicare beneficiaries with limited income who need help with premiums or cost sharing
Income limit
2026 · Published monthly countable-income bases: QMB $1,330 single or $1,803.33 couple; SLMB up to $1,596 single or $2,164 couple; SLMB+ up to $1,795.50 single or $2,434.50 couple; Deductions exclusions and tier lower bounds apply.
Asset limit
2026 · QMB SLMB and SLMB+ countable-resource limits $9,950 single or $14,910 couple; QDWI has separate rules.

Eligibility

General
Wisconsin Medicare beneficiary meeting the applicable Medicare Savings Program rules; age 65 is not a universal requirement.
WI specifics
Wisconsin calls its QI category SLMB+; full Medicaid affects SLMB+ eligibility; Refer to state fact sheet for distinct benefits and counting rules.

What it provides

  • QMB pays qualifying Medicare premiums and cost sharing; SLMB and SLMB+ pay the Part B or B-ID premium; QDWI pays qualifying Part A premiums.
Energy assistance

Wisconsin Home Energy Assistance Program (WHEAP)

Wisconsin WHEAP

Income limit
2026-2027 · 60% of Wisconsin state median income; One-person gross income limit $3,322 monthly or $39,864 annually; two-person $4,344.08 monthly or $52,129 annually; larger household limits apply.

Eligibility

General
Wisconsin households meeting WHEAP eligibility; benefits depend on household circumstances and available funding rather than senior status alone.
WI specifics
Current heating season is October 1 2026 through September 30 2027; benefit funding is not guaranteed.

What it provides

  • Eligible heating electric crisis and heating-system assistance under WHEAP rules.
Homeowner and renter tax relief

Homestead Credit

Wisconsin Homestead Credit

Income limit
For a 2025 claim, household income must be below $24,680.

Eligibility

General
For tax year 2025: full-year Wisconsin legal residents age 18 or older who own or rent an eligible homestead and satisfy all credit requirements. The claimant or spouse must have earned income, be disabled or be age 62 or older at year-end.
WI specifics
The 2025 claim can generally be filed through April 15 2030. Tax-exempt housing and nursing-home residency while receiving Title XIX medical assistance can disqualify a claimant. This offsets eligible property tax or rent costs rather than paying for care.

What it provides

  • A state tax credit based on household income and allowable property taxes or rent; meeting basic eligibility does not guarantee a positive credit.
Caregiver support

Wisconsin Family Caregiver Support Programs

WI NFCSP Respite

Eligibility

General
NFCSP serves eligible caregivers of older adults and specified relative caregivers of children or adults with disabilities; Wisconsin also has a separate Alzheimer Family and Caregiver Support Program.
WI specifics
National Family Caregiver Support and Alzheimer Family and Caregiver Support have distinct eligibility rules.

What it provides

  • Caregiver counseling training respite and other approved supports.
Long-term care coverage

Family Care Program

WI Medicaid Family Care

Eligibility

General
Wisconsin adult age 18 or older who is frail elderly or has a qualifying disability; Medicaid financial eligibility and the applicable functional screen are required.
WI specifics
Family Care is managed long-term care; member and care team plan supports based on assessed outcomes and needs.

What it provides

  • Authorized long-term care and care management under the individual service plan.
Long-term care coverage

IRIS (Include, Respect, I Self-Direct)

Wisconsin IRIS

Income limit
IRIS Medicaid financial eligibility must be determined for the applicant.

Eligibility

General
Wisconsin resident age 18 or older with a qualifying disability or frail-elder status; Medicaid financial eligibility and functional screening required; eligible community residence.
WI specifics
IRIS participants direct an individual budget and select or manage approved supports and providers within program requirements.

What it provides

  • Authorized self-directed long-term supports may include personal assistance transportation home modifications meals and other assessed services.
Cash support · veterans

VA Aid and Attendance (A&A) and Housebound Benefits

Wisconsin VA Aid and Attendance/Housebound

Who it is for
Veterans or survivors with VA pension eligibility and an Aid and Attendance or Housebound medical need
Income limit
Countable income must be below the applicable Maximum Annual Pension Rate (MAPR); the rate depends on dependents and benefit category; Qualifying unreimbursed medical expenses may reduce countable income.
Asset limit
VA pension net-worth limit is $163,699 from December 1 2025 through November 30 2026; net worth includes countable assets and annual income under VA rules.

Eligibility

General
Additional pension benefits for qualifying Veterans or survivors who satisfy VA pension eligibility and the medical requirements for Aid and Attendance or Housebound status; being an older veteran or spouse alone does not qualify.
WI specifics
This is a federal VA benefit rather than a state-specific grant; Aid and Attendance and Housebound benefits cannot be received together.

What it provides

  • Increased monthly VA pension based on the applicable MAPR less countable income.
In-home and qualifying residential cash support

SSI Exceptional Expense Supplement (SSI-E)

Wisconsin SSI Exceptional Expense Supplement (SSI-E)

Eligibility

General
Wisconsin SSI recipients certified by a county agency, either in qualifying residential settings with expenses above the applicable SSI-E payment level or at home with at least 40 hours of primary long-term support services needed each month.
WI specifics
Eligible residential settings include licensed or certified adult family homes, qualifying CBRFs of 20 beds or fewer and certified residential care apartment complexes. Home-based recipients must pay their share of household costs. A county assessment and certification are required.

What it provides

  • For an eligible individual an additional monthly cash benefit of up to $105.59 may be added to the state SSI payment. Couple amounts differ.
Know before you visit

Frequently Asked Questions about The Harbor at State and Main

Quick answers from public records and the community's own listing.
01 Is The Harbor at State and Main in a walkable area?
The Harbor at State and Main has a walk score of 83. Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.
02 Are pets allowed at The Harbor at State and Main?
Yes, The Harbor at State and Main allows residents to bring their pets.
03 Are there photos of The Harbor at State and Main?
Yes — there are 5 photos of The Harbor at State and Main in the photo gallery on this page.
04 What levels of care does The Harbor at State and Main provide?
The Harbor at State and Main offers Independent Living.
05 What is the address of The Harbor at State and Main?
The Harbor at State and Main is located at 141 Main St Unit 105, Racine, WI 53403.
06 What is the phone number of The Harbor at State and Main?
(262) 632-3308 will put you in contact with the team at The Harbor at State and Main.
07 Does The Harbor at State and Main provide medical or personal care assistance?
No — The Harbor at State and Main is an independent living community. Residents live on their own in private apartments with access to amenities, dining, and social activities.
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