Senior Care Costs in Massachusetts (2026)
Complete guide to nursing home, assisted living, and home care costs in Massachusetts. Costs are 47.1% above the national average.
Nursing Home (Private)
$13,992/mo
National avg: $9,514
Nursing Home (Semi-Private)
$12,167/mo
National avg: $8,582
Assisted Living
$5,750/mo
National avg: $4,612
Home Health Aide
$30.00/hr
$5,280/mo (8hr/day)
Adult Day Care
$2,100/mo
National avg: $1,692
Homemaker Services
$28.00/hr
$4,928/mo (8hr/day)
Senior Care Costs by City in Massachusetts
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Boston | $15,363/mo | $6,314/mo | $32.94/hr | $2,306/mo |
| Brockton | $14,938/mo | $6,139/mo | $32.03/hr | $2,242/mo |
| Cambridge | $11,977/mo | $4,922/mo | $25.68/hr | $1,798/mo |
| Fall River | $13,886/mo | $5,706/mo | $29.77/hr | $2,084/mo |
| Lowell | $13,600/mo | $5,589/mo | $29.16/hr | $2,041/mo |
| Lynn | $16,326/mo | $6,709/mo | $35.00/hr | $2,450/mo |
| New Bedford | $15,514/mo | $6,376/mo | $33.26/hr | $2,328/mo |
| Quincy | $13,846/mo | $5,690/mo | $29.69/hr | $2,078/mo |
| Springfield | $13,326/mo | $5,476/mo | $28.57/hr | $2,000/mo |
| Worcester | $16,410/mo | $6,744/mo | $35.18/hr | $2,463/mo |
Medicaid & Medicare Coverage in Massachusetts
MassHealth covers nursing facility care. Frail Elder waiver and Senior Care Options program available.
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 Massachusetts
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Massachusetts Senior Demographics
17.0%
Population 65+
$89,026
Median Household Income
$167,904
Annual Nursing Home Cost
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Nursing Home (Private Room) in Massachusetts
Monthly Cost
$13,992
Annual Cost
$167,904
5-Year Projection
$839,520
Total (12mo)
$167,904
vs. National Average
$4,451/mo higher than national average (+46.7%)
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 Massachusetts
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey