Senior Care Costs in Minnesota (2026)
Complete guide to nursing home, assisted living, and home care costs in Minnesota. 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
$4,750/mo
National avg: $4,612
Home Health Aide
$29.00/hr
$5,104/mo (8hr/day)
Adult Day Care
$1,900/mo
National avg: $1,692
Homemaker Services
$27.00/hr
$4,752/mo (8hr/day)
Senior Care Costs by City in Minnesota
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Bloomington | $9,868/mo | $4,328/mo | $26.42/hr | $1,731/mo |
| Brooklyn Park | $11,393/mo | $4,997/mo | $30.51/hr | $1,999/mo |
| Duluth | $11,917/mo | $5,227/mo | $31.91/hr | $2,091/mo |
| Maple Grove | $10,276/mo | $4,507/mo | $27.52/hr | $1,803/mo |
| Minneapolis | $12,662/mo | $5,554/mo | $33.91/hr | $2,221/mo |
| Plymouth | $9,920/mo | $4,351/mo | $26.56/hr | $1,740/mo |
| Rochester | $11,389/mo | $4,995/mo | $30.50/hr | $1,998/mo |
| Saint Paul | $8,720/mo | $3,825/mo | $23.35/hr | $1,530/mo |
| Woodbury | $10,141/mo | $4,448/mo | $27.16/hr | $1,779/mo |
Medicaid & Medicare Coverage in Minnesota
Minnesota Medicaid covers nursing facility care. Elderly waiver for 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 Minnesota
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Minnesota Senior Demographics
16.3%
Population 65+
$77,706
Median Household Income
$129,960
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 Minnesota
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 Minnesota
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey