Senior Care Costs in North Carolina (2026)
Complete guide to nursing home, assisted living, and home care costs in North Carolina. 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
$23.00/hr
$4,048/mo (8hr/day)
Adult Day Care
$1,517/mo
National avg: $1,692
Homemaker Services
$21.00/hr
$3,696/mo (8hr/day)
Senior Care Costs by City in North Carolina
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Asheville | $8,440/mo | $4,320/mo | $23.38/hr | $1,542/mo |
| Cary | $7,876/mo | $4,031/mo | $21.81/hr | $1,439/mo |
| Charlotte | $8,164/mo | $4,179/mo | $22.61/hr | $1,492/mo |
| Concord | $8,945/mo | $4,578/mo | $24.78/hr | $1,634/mo |
| Durham | $9,171/mo | $4,694/mo | $25.40/hr | $1,675/mo |
| Fayetteville | $7,165/mo | $3,667/mo | $19.84/hr | $1,309/mo |
| Greensboro | $7,294/mo | $3,733/mo | $20.20/hr | $1,333/mo |
| High Point | $8,231/mo | $4,213/mo | $22.80/hr | $1,504/mo |
| Raleigh | $8,616/mo | $4,410/mo | $23.86/hr | $1,574/mo |
| Wilmington | $9,812/mo | $5,022/mo | $27.18/hr | $1,792/mo |
| Winston-Salem | $8,493/mo | $4,347/mo | $23.52/hr | $1,552/mo |
Medicaid & Medicare Coverage in North Carolina
North Carolina Medicaid covers nursing facility care. Community Alternatives Program waivers 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 North Carolina
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
North Carolina Senior Demographics
17.0%
Population 65+
$61,972
Median Household Income
$99,648
Annual Nursing Home Cost
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Nursing Home (Private Room) in North Carolina
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 North Carolina
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey