Senior Care Costs in Delaware (2026)
Complete guide to nursing home, assisted living, and home care costs in Delaware. Costs are 13.8% above the national average.
Nursing Home (Private)
$10,830/mo
National avg: $9,514
Nursing Home (Semi-Private)
$9,963/mo
National avg: $8,582
Assisted Living
$5,750/mo
National avg: $4,612
Home Health Aide
$26.00/hr
$4,576/mo (8hr/day)
Adult Day Care
$1,833/mo
National avg: $1,692
Homemaker Services
$24.00/hr
$4,224/mo (8hr/day)
Senior Care Costs by City in Delaware
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Bear | $12,242/mo | $6,500/mo | $29.39/hr | $2,072/mo |
| Dover | $12,138/mo | $6,445/mo | $29.14/hr | $2,054/mo |
| Middletown | $10,410/mo | $5,527/mo | $24.99/hr | $1,762/mo |
| Newark | $12,870/mo | $6,833/mo | $30.90/hr | $2,178/mo |
| Wilmington | $12,095/mo | $6,422/mo | $29.04/hr | $2,047/mo |
Medicaid & Medicare Coverage in Delaware
Delaware Medicaid covers nursing facility care. Diamond State Health Plan Plus provides HCBS waiver services.
Medicare Coverage (Federal)
- Up to 100 days skilled nursing after hospital stay
- Home health services if homebound
- Does NOT cover custodial/long-term care
How to Pay for Care in Delaware
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Delaware Senior Demographics
19.4%
Population 65+
$72,724
Median Household Income
$129,960
Annual Nursing Home Cost
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Nursing Home (Private Room) in Delaware
Monthly Cost
$10,830
Annual Cost
$129,960
5-Year Projection
$649,800
Total (12mo)
$129,960
vs. National Average
$1,289/mo higher than national average (+13.5%)
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.
* 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.
More About Delaware
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey