Senior Care Costs in Indiana (2026)
Complete guide to nursing home, assisted living, and home care costs in Indiana. Costs are 12.7% below the national average.
Nursing Home (Private)
$8,304/mo
National avg: $9,514
Nursing Home (Semi-Private)
$7,452/mo
National avg: $8,582
Assisted Living
$4,250/mo
National avg: $4,612
Home Health Aide
$24.00/hr
$4,224/mo (8hr/day)
Adult Day Care
$1,517/mo
National avg: $1,692
Homemaker Services
$22.00/hr
$3,872/mo (8hr/day)
Senior Care Costs by City in Indiana
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Bloomington | $6,995/mo | $3,580/mo | $20.22/hr | $1,278/mo |
| Carmel | $7,009/mo | $3,587/mo | $20.26/hr | $1,280/mo |
| Evansville | $7,799/mo | $3,992/mo | $22.54/hr | $1,425/mo |
| Fishers | $6,763/mo | $3,461/mo | $19.55/hr | $1,235/mo |
| Fort Wayne | $8,008/mo | $4,099/mo | $23.15/hr | $1,463/mo |
| Gary | $9,952/mo | $5,093/mo | $28.76/hr | $1,818/mo |
| Hammond | $8,238/mo | $4,216/mo | $23.81/hr | $1,505/mo |
| Indianapolis | $9,294/mo | $4,757/mo | $26.86/hr | $1,698/mo |
| Lafayette | $9,184/mo | $4,700/mo | $26.54/hr | $1,678/mo |
| South Bend | $7,829/mo | $4,007/mo | $22.63/hr | $1,430/mo |
Medicaid & Medicare Coverage in Indiana
Indiana Medicaid covers nursing home care. Aged & Disabled waiver provides community-based alternatives.
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 Indiana
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Indiana Senior Demographics
16.5%
Population 65+
$61,944
Median Household Income
$99,648
Annual Nursing Home Cost
Elder Care Cost Calculator
Estimate senior care costs based on your state, care type, and duration needs.
Nursing Home (Private Room) in Indiana
Monthly Cost
$8,304
Annual Cost
$99,648
5-Year Projection
$498,240
Total (12mo)
$99,648
vs. National Average
$1,237/mo lower than national average (-13.0%)
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 Indiana
Frequently Asked Questions
How much does a nursing home cost in Indiana?
What is the cost of assisted living in Indiana?
Does Indiana Medicaid cover nursing home care?
How much does a home health aide cost in Indiana?
What percentage of Indiana's population is 65 or older?
Was this data helpful?
Data verified March 2026 · Source: Genworth Cost of Care Survey