Senior Care Costs in North Dakota (2026)
Complete guide to nursing home, assisted living, and home care costs in North Dakota. Costs are 9.0% above the national average.
Nursing Home (Private)
$10,373/mo
National avg: $9,514
Nursing Home (Semi-Private)
$9,354/mo
National avg: $8,582
Assisted Living
$4,250/mo
National avg: $4,612
Home Health Aide
$28.00/hr
$4,928/mo (8hr/day)
Adult Day Care
$1,733/mo
National avg: $1,692
Homemaker Services
$26.00/hr
$4,576/mo (8hr/day)
Senior Care Costs by City in North Dakota
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Bismarck | $9,190/mo | $3,766/mo | $24.81/hr | $1,535/mo |
| Fargo | $11,477/mo | $4,702/mo | $30.98/hr | $1,917/mo |
| Grand Forks | $9,190/mo | $3,766/mo | $24.81/hr | $1,535/mo |
| Minot | $11,207/mo | $4,592/mo | $30.25/hr | $1,872/mo |
| West Fargo | $9,029/mo | $3,699/mo | $24.37/hr | $1,508/mo |
Medicaid & Medicare Coverage in North Dakota
North Dakota Medicaid covers nursing homes. SPED waiver for home-based 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 North Dakota
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
North Dakota Senior Demographics
16.5%
Population 65+
$68,131
Median Household Income
$124,476
Annual Nursing Home Cost
Elder Care Cost Calculator
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Nursing Home (Private Room) in North Dakota
Monthly Cost
$10,373
Annual Cost
$124,476
5-Year Projection
$622,380
Total (12mo)
$124,476
vs. National Average
$832/mo higher than national average (+8.7%)
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 North Dakota
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey