Total health inspections
14
Illinois average 10.4
Last Health inspection on Feb 2025
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.
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
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.
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
vs Illinois avg
+5%
| Staff type | Hours / day | vs state avg |
|---|---|---|
|
Total Nursing (Weekend)
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 |
Capacity and availability
This home usually has availability
Occupancy lower than 85% suggests more openings may be available.
Occupancy rate
84.5%
Avg. Length of Stay
129 days
Occupancy rate
84.5%
Avg. Length of Stay
129 days
Who this home usually serves
Show admissions and discharges
TYPE OF STAY
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
Finances and operations
Voluntary non-profit community
Home revenue
$13.3M
Operating deficit
-$688.8K
Voluntary non-profit community
Home revenue
$13.3M
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.
$7.6M
The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations.
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
Walk Score: 58 / 100
Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.
What does this home offer?
Building Type: Single-story
On-site Medical Care and Health Services
Rehabilitative Support
Types of Care at The Pearl of St Charles
Nursing Home
Respite Care
Health Inspection History
Inspections
Total health citations
57
Illinois average 36.8
Citations per inspection
4.07
Illinois average 3.68
Health citations are formal notices following inspections when they fail to comply with safety and care standards.
33 of 57 citations resulted from standard inspections; and 24 of 57 resulted from complaint investigations.
Breakdown of citation severity (last 3 years)
Critical Health citations
1
43% worse than Illinois averageIllinois average: 0.7
Serious Health citations
4
4
11% worse than Illinois averageIllinois average: 3.6
1 critical citation
4 serious citations
52 moderate citations
0 minor citations
Citations history (last 3 years)
Infection Control moderate citation
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Corrected
Infection Control moderate citation
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Corrected
Infection Control moderate citation
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Issues related to preventing and controlling infections, including hygiene practices and safety protocols.
Feb 27, 2025
Corrected
Nutrition moderate citation
Issues related to food quality, meal service, and resident's nutritional needs.
Feb 27, 2025
Issues related to food quality, meal service, and resident's nutritional needs.
Feb 27, 2025
Corrected
Data sourced from CMS Health Deficiencies reports. Citation severity codes range from A (least serious) to L (most serious). Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.
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.
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
Add your location
Staffing Data (Q2 2025)
This data corresponds to Q2 2025 and is based on CMS Payroll-Based Journal.
Total staff
266
Employees
95
Contractors
171
Staff to resident ratio
3.50:1
84% better than Illinois averageIllinois average ratio: 1.90:1
Avg staff/day
40
Average shift
7.4 hours
0% compared with Illinois averageIllinois average: 7.6 hours
Total staff hours (quarter)
26,907
Nursing staff breakdown
Registered Nurse
Manages medical care and health needs.
Total count
51
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.9 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.9 hoursThis role is partially covered by contractors.
Licensed Practical Nurse
Assists with medical care and medications.
Total count
49
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.2 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
8.2 hoursThis role is partially covered by contractors.
Certified Nursing Assistant
Helps with daily care and mobility.
Total count
117
Average shift length
Average shift length. Calculated as total hours divided by days worked and average staff per day.
6.9 hours
Average shift length. Calculated as total hours divided by days worked and average staff per day.
6.9 hoursThis role is partially covered by contractors.
Contractor staffing
Total hours from contractors
19.2%
5,160 contractor hours this quarter
Certified Nursing Assistant: 58
Licensed Practical Nurse: 38
Registered Nurse: 37
Physical Therapy Assistant: 12
Physical Therapy Aide: 7
Respiratory Therapy Technician: 7
Speech Language Pathologist: 4
Qualified Social Worker: 4
Clinical Nurse Specialist: 2
Nurse Practitioner: 1
Occupational Therapy Aide: 1
Staff by category
| Certified Nursing Assistant | 59 | 58 | 117 | 13,100 | 91 | 100% | 6.9 |
| Registered Nurse | 14 | 37 | 51 | 4,532 | 91 | 100% | 8.9 |
| Licensed Practical Nurse | 11 | 38 | 49 | 4,297 | 91 | 100% | 8.2 |
| Clinical Nurse Specialist | 1 | 2 | 3 | 608 | 64 | 70% | 7.5 |
| Nurse Practitioner | 1 | 1 | 2 | 552 | 60 | 66% | 7.5 |
| Physical Therapy Assistant | 0 | 12 | 12 | 502 | 65 | 71% | 5.9 |
| Dietitian | 1 | 0 | 1 | 473 | 63 | 69% | 7.5 |
| Speech Language Pathologist | 0 | 4 | 4 | 442 | 64 | 70% | 6.7 |
| Physical Therapy Aide | 0 | 7 | 7 | 440 | 63 | 69% | 5.6 |
| Mental Health Service Worker | 3 | 0 | 3 | 405 | 67 | 74% | 6 |
| Administrator | 1 | 0 | 1 | 345 | 46 | 51% | 7.5 |
| RN Director of Nursing | 2 | 0 | 2 | 342 | 45 | 49% | 7.6 |
| Respiratory Therapy Technician | 0 | 7 | 7 | 287 | 53 | 58% | 5.3 |
| Qualified Activities Professional | 1 | 0 | 1 | 263 | 35 | 38% | 7.5 |
| Qualified Social Worker | 0 | 4 | 4 | 234 | 37 | 41% | 6.3 |
| Occupational Therapy Aide | 0 | 1 | 1 | 85 | 21 | 23% | 4 |
| Other Dietary Services Staff | 1 | 0 | 1 | 3 | 1 | 1% | 3.2 |
117 Certified Nursing Assistant
% of Days
100%
51 Registered Nurse
% of Days
100%
49 Licensed Practical Nurse
% of Days
100%
3 Clinical Nurse Specialist
% of Days
70%
2 Nurse Practitioner
% of Days
66%
12 Physical Therapy Assistant
% of Days
71%
1 Dietitian
% of Days
69%
4 Speech Language Pathologist
% of Days
70%
7 Physical Therapy Aide
% of Days
69%
3 Mental Health Service Worker
% of Days
74%
1 Administrator
% of Days
51%
2 RN Director of Nursing
% of Days
49%
7 Respiratory Therapy Technician
% of Days
58%
1 Qualified Activities Professional
% of Days
38%
4 Qualified Social Worker
% of Days
41%
1 Occupational Therapy Aide
% of Days
23%
1 Other Dietary Services Staff
% of Days
1%
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.
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.
Penalties and fines
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
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
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
Guides for Better Senior Living
Care Cost Calculator: See Prices in Your Area
Nursing Home Data Explorer
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Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance
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].
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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