ElderCarePeek

Senior Care & Elder Care Costs by State (2026)

Compare nursing home, assisted living, home health aide, and adult day care costs across all 50 US states and 200+ cities. Find affordable senior care options near you.

National Average Senior Care Costs

Nursing Home (Private)

$9,514/mo

$114,168/year

Assisted Living

$4,612/mo

$55,344/year

Home Health Aide

$25.82/hr

$4,544/mo (8hr/day)

Adult Day Care

$1,692/mo

$20,304/year

Nursing Home (Semi-Private)

$8,582/mo

$102,984/year

Homemaker Services

$23.92/hr

$4,210/mo (8hr/day)

Most Expensive States for Nursing Homes

StatePrivate Room/mo
Connecticut$13,992
Massachusetts$13,992
Alaska$13,250
Hawaii$13,250
New York$13,250

Most Affordable States for Nursing Homes

StatePrivate Room/mo
Texas$6,083
Missouri$6,236
Louisiana$6,540
Arkansas$6,844
Oklahoma$6,844

Care Type Comparison

Care TypeAvg. Cost
Nursing Home (Private Room)$9,541/mo
Assisted Living$4,500/mo
Home Health Aide$26.00/hr
Adult Day Care$1,690/mo
Homemaker Services$24.00/hr

Elder Care Cost Calculator

Estimate senior care costs based on your state, care type, and duration needs.

Nursing Home (Private Room) in Florida

Monthly Cost

$9,963

Annual Cost

$119,556

5-Year Projection

$597,780

Total (12mo)

$119,556

vs. National Average

Florida$9,963/mo
National Avg$9,541/mo

$422/mo higher than national average (+4.4%)

Medicare & Medicaid Coverage

  • Medicare: Covers up to 100 days of skilled nursing facility care after a qualifying hospital stay (first 20 days fully covered, days 21-100 with copay).
  • Medicaid: May cover nursing home and some home care costs for eligible individuals. Income and asset limits apply and vary by state.
  • Long-Term Care Insurance: Can cover costs not paid by Medicare or Medicaid. Premiums depend on age and coverage level.
  • VA Benefits: Veterans may qualify for Aid and Attendance benefits to help cover care costs.
Long-term care insurance quotes
Medicare supplement plans
Elder law attorneys near me
Senior living communities
Home health care agencies
Medicaid planning services

* Estimates based on Genworth Cost of Care Survey data. Actual costs may vary by facility, location, and level of care needed. Consult a certified elder care advisor or financial planner specializing in senior care for personalized guidance.

Senior Care Costs by State

Alabama$7,756/mo
Alaska$13,250/mo
Arizona$8,913/mo
Arkansas$6,844/mo
California$11,502/mo
Colorado$9,963/mo
Connecticut$13,992/mo
Delaware$10,830/mo
Florida$9,963/mo
Georgia$7,908/mo
Hawaii$13,250/mo
Idaho$9,506/mo
Illinois$7,148/mo
Indiana$8,304/mo
Iowa$7,604/mo
Kansas$7,452/mo
Kentucky$7,756/mo
Louisiana$6,540/mo
Maine$10,373/mo
Maryland$10,982/mo
Massachusetts$13,992/mo
Michigan$9,354/mo
Minnesota$10,830/mo
Mississippi$7,300/mo
Missouri$6,236/mo
Montana$9,506/mo
Nebraska$8,608/mo
Nevada$9,354/mo
New Hampshire$12,167/mo
New Jersey$12,167/mo
New Mexico$8,760/mo
New York$13,250/mo
North Carolina$8,304/mo
North Dakota$10,373/mo
Ohio$8,304/mo
Oklahoma$6,844/mo
Oregon$10,982/mo
Pennsylvania$10,068/mo
Rhode Island$10,830/mo
South Carolina$7,604/mo
South Dakota$8,304/mo
Tennessee$7,452/mo
Texas$6,083/mo
Utah$8,304/mo
Vermont$10,982/mo
Virginia$8,913/mo
Washington$10,982/mo
West Virginia$10,068/mo
Wisconsin$9,963/mo
Wyoming$9,963/mo

Frequently Asked Questions

What is the average cost of a nursing home in the US?
The national average cost of a private room in a nursing home is approximately $9,514 per month ($114,168 annually) as of 2024. Costs vary significantly by state, ranging from about $6,000/month in the most affordable states to over $14,000/month in the most expensive.
How much does assisted living cost per month?
The national average cost of assisted living is approximately $4,612 per month. States like Mississippi, Missouri, and Louisiana tend to be the most affordable, while Connecticut, Massachusetts, and Alaska have the highest costs.
Does Medicare pay for nursing home care?
Medicare covers up to 100 days of skilled nursing facility care after a qualifying 3-day hospital stay. The first 20 days are fully covered, and days 21-100 require a daily copayment. Medicare does NOT cover long-term custodial nursing home care.
What is the difference between a nursing home and assisted living?
Nursing homes provide 24-hour skilled nursing care for residents with complex medical needs. Assisted living facilities offer housing, meals, and personal care assistance for seniors who need help with daily activities but not continuous medical supervision. Nursing homes are typically more expensive due to the higher level of care.
How can I pay for senior care?
Common payment sources include: personal savings, long-term care insurance, Medicaid (for those who qualify based on income/assets), Medicare (limited skilled nursing coverage), VA benefits for veterans, reverse mortgages, and life insurance policy conversions. Many families use a combination of these sources.
What is a home health aide and how much does it cost?
A home health aide provides personal care services in the senior's home, including bathing, dressing, meal preparation, and companionship. The national average cost is approximately $25.82/hour. For 8 hours/day, 5 days/week, that averages about $4,544/month.

Senior Care Resources

Long-Term Care Insurance

Compare long-term care insurance quotes to protect your retirement savings.

Medicare Supplement Plans

Find Medigap plans that help cover costs Medicare doesn't pay.

Elder Law Attorneys

Get legal help with Medicaid planning, estate planning, and senior care rights.

Senior Living Communities

Browse independent living, assisted living, and continuing care retirement communities.

Home Health Care Agencies

Find licensed home health aides and caregivers in your area.

Veteran Care Benefits

Explore VA Aid and Attendance and other veteran benefits for senior care.

Related Resources

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Data verified March 2026 · Source: Genworth Cost of Care Survey, CMS Medicare Data