Total staff
330
Employees
87
Contractors
243
Mostly short-term rehab stays
Most residents typically stay for a few weeks or months before returning home or moving on.
The Pearl of St Charles
Nursing Home & Respite Care · St. Charles, IL
CMS overall rating
The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
The Pearl of St Charles
Nursing Home & Respite Care · St. Charles, IL
CMS overall rating
The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
The Pearl of St Charles accepts Medicare, Medicaid, and private pay.
Overview of The Pearl of St Charles
The Pearl of St. Charles is a highly rated nursing home in St. Charles, IL, offering long-term care, post-hospital care, respite care, and rehabilitation. The community also promotes a warm and welcoming environment, ensuring older adults are well-cared for during their stay. With 24-hour care, restaurant-style dining, housekeeping, and laundry, residents can maintain their independence with ease. Through individualized care plans, residents receive the best possible care tailored to their unique needs and habits.
Social events, exercises, and various recreational opportunities ensure residents can freely interact with friends and have fun. With upscale rehabilitation equipment and lively gathering areas, residents can focus on their recovery and relaxation. Located near Norris Cultural Arts Center, healthcare providers, shops, and restaurants in St. Charles, the community is easily accessible for families and visitors. This nursing home is a great choice for senior living in Illinois, especially with its exceptional standards of care.
Quality ratings
The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
Staffing hours breakdown
Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.
Total nursing care / resident
This home is ranked 61st out of 167 homes in Illinois. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.
This home is ranked 61st out of 167 homes in Illinois. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.
3h 16m per day
Rank #61 / 167Nurse hours — State benchmarkedThis home is ranked 61st out of 167 homes in Illinois. Shows adjusted nurse hours per resident per day benchmarked to the Illinois average, with a ranking across 167 Illinois SNFs. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
vs Illinois avg
+5%
| Staff type | Hours / Day / Resident | vs state avg |
|---|---|---|
|
Weekend Total Nursing
Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours.
| 2h 59m per day | ▼ 4% State avg: 3h 5m per day · National avg: 3h 25m per day |
Types of Care at The Pearl of St Charles
Nursing Home
Respite Care
Capacity and availability
This home usually has availability
Occupancy rate
84.5%
Rank #62 / 199Occupancy rate — State benchmarkedThis home is ranked 62nd out of 199 homes in Illinois. Shows this facility's occupancy rate versus the Illinois average, with its Statewide rank out of 199. Higher occupancy signals strong local demand and financial stability.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Avg. Length of Stay
129 days
Walk Score: 58 / 100 Rank #253 / 648Walk Score — State benchmarkedThis home is ranked 253rd out of 648 homes in Illinois. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Illinois SNFs. Higher scores benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.
Staffing Data
Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.
Staff to resident ratio
4.34:1
142% better than Illinois average
Avg staff/day
45
Average shift
7.6 hours
0% compared with Illinois average
Total staff hours (quarter)
31,539
Nursing staff breakdown
Q4 2025 · Oct 1 – Dec 31
This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse
Manages medical care and health needs.
RN Staff
48 total: 14 full-time employees and 34 contractors.
48
48 total: 14 full-time employees and 34 contractors.
48
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
9 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
9 hoursLicensed Practical Nurse
Assists with medical care and medications.
LPN Staff
36 total: 15 full-time employees and 21 contractors.
36
36 total: 15 full-time employees and 21 contractors.
36
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.8 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.8 hoursCertified Nursing Assistant
Helps with daily care and mobility.
CNA Staff
212 total: 49 full-time employees and 163 contractors.
212
212 total: 49 full-time employees and 163 contractors.
212
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
7.2 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
7.2 hoursContractor staffing
Q4 2025 · Oct 1 – Dec 31
This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Total hours from contractors
23.5%
7,417 contractor hours this quarter
Certified Nursing Assistant: 163
Registered Nurse: 34
Licensed Practical Nurse: 21
Physical Therapy Assistant: 10
Respiratory Therapy Technician: 4
Speech Language Pathologist: 4
Physical Therapy Aide: 4
Qualified Social Worker: 3
Staff by category
Q4 2025 · Oct 1 – Dec 31
This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
| Certified Nursing Assistant | 49 | 163 | 212 | 15,149 | 92 | 100% | 7.2 |
| Licensed Practical Nurse | 15 | 21 | 36 | 5,636 | 92 | 100% | 8.8 |
| Registered Nurse | 14 | 34 | 48 | 4,897 | 92 | 100% | 9 |
| Physical Therapy Assistant | 0 | 10 | 10 | 711 | 71 | 77% | 5.7 |
| Speech Language Pathologist | 0 | 4 | 4 | 650 | 70 | 76% | 6.6 |
| Other Dietary Services Staff | 2 | 0 | 2 | 522 | 60 | 65% | 7.6 |
| Respiratory Therapy Technician | 0 | 4 | 4 | 518 | 68 | 74% | 7.6 |
| Administrator | 1 | 0 | 1 | 480 | 64 | 70% | 7.5 |
| Dietitian | 1 | 0 | 1 | 480 | 64 | 70% | 7.5 |
| Mental Health Service Worker | 2 | 0 | 2 | 458 | 61 | 66% | 7.5 |
| Qualified Social Worker | 0 | 3 | 3 | 447 | 65 | 71% | 6.9 |
| Nurse Practitioner | 1 | 0 | 1 | 443 | 59 | 64% | 7.5 |
| Clinical Nurse Specialist | 1 | 0 | 1 | 428 | 57 | 62% | 7.5 |
| Qualified Activities Professional | 1 | 0 | 1 | 405 | 54 | 59% | 7.5 |
| Physical Therapy Aide | 0 | 4 | 4 | 316 | 51 | 55% | 5.8 |
212 Certified Nursing Assistant
% of Days
100%
36 Licensed Practical Nurse
% of Days
100%
48 Registered Nurse
% of Days
100%
10 Physical Therapy Assistant
% of Days
77%
4 Speech Language Pathologist
% of Days
76%
2 Other Dietary Services Staff
% of Days
65%
4 Respiratory Therapy Technician
% of Days
74%
1 Administrator
% of Days
70%
1 Dietitian
% of Days
70%
2 Mental Health Service Worker
% of Days
66%
3 Qualified Social Worker
% of Days
71%
1 Nurse Practitioner
% of Days
64%
1 Clinical Nurse Specialist
% of Days
62%
1 Qualified Activities Professional
% of Days
59%
4 Physical Therapy Aide
% of Days
55%
Penalties and fines
Includes penalties issued in 2023-2024
Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.
Source: CMS Penalties Database (Data as of Jan 2026)
Total fines amount
$71K Rank #114 / 168Federal fines — State benchmarkedThis home is ranked 114th out of 168 homes in Illinois. Shows this facility's cumulative CMS federal fine dollars versus the Illinois average among facilities with fines, and where it ranks among 168 skilled nursing facilities in the pool. Lower total dollars mean a better rank.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
50% lower than Illinois averageIllinois average: $143K
Number of fines
4
35% more fines than Illinois averageIllinois average: 3.0
Payment Denials
Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed.
0
Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed.
0
100% fewer payment denials than Illinois averageIllinois average: 1.1
Fines amount comparison
Fines amount comparison
This facility
$71K
Illinois average
$143K
Penalty History
Penalties are imposed by CMS for violations of federal nursing home regulations.
3 penalties in the past 3 years
Multiple penalties were reported in the last 3 years.
Civil Money Penalty
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Dec 13, 2024
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Dec 13, 2024
$16K
Civil Money Penalty
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Aug 28, 2024
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Aug 28, 2024
$16K
Civil Money Penalty
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Nov 1, 2023
Fines imposed for noncompliance, which can be assessed per day or per instance of violation.
Nov 1, 2023
$14K
Last updated: Jan 2026
Quality of care over time
These measures show how residents usually do over time at this home, based on health outcomes and preventive care.
High-risk clinical events score
A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline.
7.9
A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline.
7.9
19% better than Illinois averageIllinois average: 9.7
Functional decline score
A composite score based on activities of daily living decline, walking ability decline, and incontinence.
13.4
A composite score based on activities of daily living decline, walking ability decline, and incontinence.
13.4
28% better than Illinois averageIllinois average: 18.6
Long-stay resident measures
Need for Help with Daily Activities Increased
Percent of long-stay residents whose need for help with daily activities has increased
14.1%
Percent of long-stay residents whose need for help with daily activities has increased
14.1%
9% better than Illinois averageIllinois average: 15.5%
Walking Ability Worsened
Percent of long-stay residents whose ability to move independently worsened
15.3%
Percent of long-stay residents whose ability to move independently worsened
15.3%
17% better than Illinois averageIllinois average: 18.4%
Low Risk Residents with Bowel/Bladder Incontinence
Percent of low risk long-stay residents who lose control of their bowels or bladder
10.7%
Percent of low risk long-stay residents who lose control of their bowels or bladder
10.7%
50% better than Illinois averageIllinois average: 21.6%
Falls with Major Injury
Percent of long-stay residents experiencing one or more falls with major injury
3.8%
Percent of long-stay residents experiencing one or more falls with major injury
3.8%
12% worse than Illinois averageIllinois average: 3.4%
High Risk Residents with Pressure Ulcers
Percent of long-stay high risk residents with pressure ulcers
6.3%
Percent of long-stay high risk residents with pressure ulcers
6.3%
19% worse than Illinois averageIllinois average: 5.3%
Urinary Tract Infection
Percent of long-stay residents with a urinary tract infection
0.0%
Percent of long-stay residents with a urinary tract infection
0.0%
100% better than Illinois averageIllinois average: 1.8%
Lost Too Much Weight
Percent of long-stay residents who lose too much weight
0.0%
Percent of long-stay residents who lose too much weight
0.0%
100% better than Illinois averageIllinois average: 6.5%
Depressive Symptoms
Percent of long-stay residents who have depressive symptoms
96.3%
Percent of long-stay residents who have depressive symptoms
96.3%
100% worse than Illinois averageIllinois average: 48.1%
Antipsychotic Use
Percent of long-stay residents who received an antipsychotic medication
15.7%
Percent of long-stay residents who received an antipsychotic medication
15.7%
22% better than Illinois averageIllinois average: 20.2%
Pneumococcal Vaccine
Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine
100.0%
Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine
100.0%
12% better than Illinois averageIllinois average: 89.2%
Influenza Vaccine
Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine
100.0%
Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine
100.0%
9% better than Illinois averageIllinois average: 91.6%
Short-stay resident measures
Pneumococcal Vaccine
Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine
99.8%
Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine
99.8%
46% better than Illinois averageIllinois average: 68.3%
Antipsychotic medication increase
Percent of short-stay residents who newly received an antipsychotic medication
1.5%
Percent of short-stay residents who newly received an antipsychotic medication
1.5%
36% better than Illinois averageIllinois average: 2.3%
Influenza Vaccine
Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine
100.0%
Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine
100.0%
59% better than Illinois averageIllinois average: 63.0%
Quality measures are calculated from Minimum Data Set (MDS) assessments. For most measures, lower percentages indicate better care quality.
Breakdown by payment type
Medicare
45% of new residents, usually for short-term rehab.
Typical stay
1 months
Private pay
35% of new residents, often for short stays.
Typical stay
3 - 4 months
Medicaid
20% of new residents, often for long-term daily care.
Typical stay
1 years
Facility Characteristics
Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)
Total residents
76
Medicare
10
13.2% of residents
Medicaid
66
86.8% of residents
Programs & Services
Residents Group
Residents meet regularly to discuss policies, care quality, and activities
Active Resident Council
Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.
Data sourced from CMS Long-Term Care Facility Characteristics quarterly report. Payer mix reflects the current resident census by primary payment source.
Financial Trends
Historical financial and operational data for The Pearl of St Charles based on CMS SNF Cost Reports.
Occupancy Rate
89.8%
↑ 14.4pp vs 2022
Net Income
-$1.2M
↑ ~$989.6K vs 2022
Total Payroll
$7.6M
↑ ~$981.6K vs 2022
Profit Margin
-9.0%
↑ 11.2pp vs 2022
Finances and operations
Voluntary non-profit community
Home revenue
$13.3M
Operating deficit
-$688.8K
Voluntary non-profit community
Home revenue
$13.3M Rank #96 / 166Revenue — State benchmarkedThis home is ranked 96th out of 166 homes in Illinois. Shows this facility's annual revenue compared to the Illinois SNF average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Operating deficit
-$688.8K
Payroll costs
The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations.
Rank #77 / 166Payroll — State benchmarkedThis home is ranked 77th out of 166 homes in Illinois. Shows total annual staff payroll benchmarked to the Illinois average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$7.6M
The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations.
Rank #77 / 166Payroll — State benchmarkedThis home is ranked 77th out of 166 homes in Illinois. Shows total annual staff payroll benchmarked to the Illinois average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs
All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
-$1.7M
All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
Total costs
$5.9M
What does this home offer?
Building Type: Single-story
On-site Medical Care and Health Services
Rehabilitative Support
Who this home usually serves
Show admissions and discharges
TYPE OF STAY
Places of interest near The Pearl of St Charles
1.7 miles from city center
Estimated distance in miles from St. Charles's city center to The Pearl of St Charles's address, calculated via Google Maps.
Calculate Travel Distance to The Pearl of St Charles
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Financial Assistance for
Nursing Home in Illinois
The Pearl of St Charles is located in St. Charles, Illinois.
Here are the financial assistance programs available to residents in Illinois.
Compare Nursing Home around St Charles
The information below is reported by the Illinois Department of Public Health, Office of Health Care Regulation.
Filter by care type
| BRIA of Geneva |
NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).
MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. | Geneva | 107 | - | - | 3.40 | -6% | +9% | $0 | 36 | 3.0 | 1 | 93 | 61 | - | $15.8M | $5.4M | 33.9% | 146067 | ||||
| The Pearl of St Charles |
NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).
RC Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision. | St. Charles | 109 | - | - | 3.26 | +2% | +5% | $70.9k | 57 | 4.1 | 5 | 74 | 58 | Phc St Charles Holdings LLC | $13.3M | $7.6M | 57.2% | 145980 |
Frequently Asked Questions about The Pearl of St Charles
Is The Pearl of St Charles in a walkable area?
The Pearl of St Charles has a walk score of 58. Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.
What is the best email address for The Pearl of St Charles?
The team at The Pearl of St Charles can be reached at [email protected].
Are there photos of The Pearl of St Charles?
Yes — there are 5 photos of The Pearl of St Charles in the photo gallery on this page.
What is the address of The Pearl of St Charles?
The Pearl of St Charles is located at 850 Dunham Rd, St. Charles, IL 60174.
What is the phone number of The Pearl of St Charles?
(630) 443-6146 will put you in contact with the team at The Pearl of St Charles.
Is The Pearl of St Charles Medicare or Medicaid certified?
Yes — The Pearl of St Charles is a CMS-certified provider of Medicare and Medicaid.
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