Long-Term Care Cost Calculator

According to the CareScout 2025 Cost of Care Survey, U.S. nursing home private-room costs averaged $11,983 monthly across 51 state jurisdictions in November 2025, with state highs above $18,000 monthly in Oregon and lows near $7,600 in Texas. Estimate your state-specific nursing home, assisted living, or home care costs below, projections include multi-year inflation (historical 3.5% annual) and Medicaid eligibility thresholds from medicaid.gov. See our methodology for refresh cadence and source attribution.

These figures are informational estimates, not financial, legal, or medical advice, actual costs vary by facility, region, and level of care needed. Consult a financial advisor or elder law attorney before making a long-term care funding decision.

National monthly cost by care type

Median U.S. cost across the five care settings, pick a state above to see local figures and a multi-year projection. Source: CareScout 2025 Cost of Care Survey.

Adult Day Health Care $2,557/mo
Assisted Living Facility $6,528/mo
Home Care (Homemaker/Home Health Aide) $6,848/mo
Nursing Home (Semi-Private Room) $11,029/mo
Nursing Home (Private Room) $11,983/mo

A private nursing-home room costs roughly 4.7× the most affordable setting (adult day care). Bars scaled to the highest median.

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How are long-term care costs projected? ▼
Projections use the current state-level cost data from CareScout 2025 and apply a 4.5% annual inflation rate, which reflects the historical average cost increase for elder care services. Actual costs may vary based on local market conditions, level of care needed, and facility quality.
What is the difference between care types? ▼
Home Care provides assistance with daily activities in your home. Adult Day Care offers daytime supervision and activities at a center. Assisted Living provides housing with personal care services. Nursing Homes (semi-private/private) offer 24-hour skilled nursing care in shared or private rooms.
Does Medicare cover long-term care? ▼
Medicare generally does NOT cover long-term custodial care. It covers limited skilled nursing facility stays (up to 100 days after a qualifying hospital stay) and limited home health services. Long-term care is primarily funded through Medicaid (for those who qualify), long-term care insurance, or out-of-pocket savings.
How can I pay for long-term care? ▼
Common funding sources include: personal savings and investments, long-term care insurance (best purchased before age 60), Medicaid (requires meeting income/asset limits), Veterans Aid & Attendance benefits, reverse mortgages, and life insurance policy conversions. An elder law attorney can help with Medicaid planning.
Data Source: CareScout (formerly Genworth) Cost of Care Survey 2025. Inflation rate based on historical long-term care cost trends. Medicaid information is general guidance and varies by state.

PlainElderCare is rendered directly from CMS Nursing Home Compare, Home Health Compare, and the CareScout Cost of Care Survey, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of June 2026. Primary sources: CMS Care Compare and CareScout Cost of Care Survey.