Senior Care Costs in Tennessee (2026)
Complete guide to nursing home, assisted living, and home care costs in Tennessee. Costs are 21.7% below the national average.
Nursing Home (Private)
$7,452/mo
National avg: $9,514
Nursing Home (Semi-Private)
$6,692/mo
National avg: $8,582
Assisted Living
$4,000/mo
National avg: $4,612
Home Health Aide
$22.00/hr
$3,872/mo (8hr/day)
Adult Day Care
$1,383/mo
National avg: $1,692
Homemaker Services
$20.50/hr
$3,608/mo (8hr/day)
Senior Care Costs by City in Tennessee
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Chattanooga | $8,695/mo | $4,667/mo | $25.67/hr | $1,614/mo |
| Clarksville | $6,042/mo | $3,243/mo | $17.84/hr | $1,121/mo |
| Franklin | $6,665/mo | $3,578/mo | $19.68/hr | $1,237/mo |
| Jackson | $6,752/mo | $3,624/mo | $19.93/hr | $1,253/mo |
| Johnson City | $6,015/mo | $3,229/mo | $17.76/hr | $1,116/mo |
| Knoxville | $6,081/mo | $3,264/mo | $17.95/hr | $1,129/mo |
| Memphis | $7,532/mo | $4,043/mo | $22.24/hr | $1,398/mo |
| Murfreesboro | $7,354/mo | $3,947/mo | $21.71/hr | $1,365/mo |
| Nashville | $6,155/mo | $3,304/mo | $18.17/hr | $1,142/mo |
Medicaid & Medicare Coverage in Tennessee
TennCare covers nursing home care. CHOICES program provides home and community-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 Tennessee
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Tennessee Senior Demographics
16.7%
Population 65+
$57,153
Median Household Income
$89,424
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 Tennessee
Monthly Cost
$7,452
Annual Cost
$89,424
5-Year Projection
$447,120
Total (12mo)
$89,424
vs. National Average
$2,089/mo lower than national average (-21.9%)
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 Tennessee
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey