Average Nursing Home Cost


Along with the inevitable passage of time, there comes a moment in every person’s life when the average nursing home cost becomes a topic of interest. It is a difficult choice to send your elderly relatives to a nursing home. Still, such care facilities provide professional treatment and often have medical staff on hand, which most people cannot offer at home. On the flip side, this can inflate the overall cost. That’s why we prepared this detailed rundown to help you make the right decision if/when needed. 

Average Nursing Home Cost Stats And Facts

  • The monthly average cost of a nursing home nationwide is $8,121 for a private room and $7,148 for a semi-private one.
  • In Germany, senior citizens pay about $2,273 per month for a nursing home.
  • In New Zealand, the median monthly price for elderly care facilities is $4,500.
  • In Florida, nursing home placement costs about $83,950 per year.
  • In Virginia, a private room in a senior care facility can get up to $8,200 per month. 

The Average Cost of Nursing Home Care by State

Prices are not the same in all places, but neither are incomes. The cost of staying in a nursing home varies considerably from one state to another. So, to give you a more comprehensive view, we have prepared an analysis on the cost of nursing home care by state, taking examples from several different US areas, with notable price differences. 

The Average Cost of Nursing Home Care in Florida

There are 1,261 registered nursing facilities in the Sunshine State, with a total of 5,390 senior care providers. The median nursing home cost in Florida is $83,950 per year. Depending on the establishment and the service package, general monthly prices vary between $4,440 and $13,200.

As Medicaid is a joint federal and state program, the funding for it comes from both government levels (federal 61.1% and state 39.9%). This is how the nursing home cost is covered for those who can’t afford it.

(SeniorAdvice, FamilyAssets)

The Average Cost of Nursing Home in Ohio

The cost of nursing home facilities in Ohio typically ranges between $4,140 and $9,450 per month, averaging about $75,942 yearly. This state permits residents of elder care establishments who receive Medicaid to keep as little as $50 per month for their personal allowance. 

As the costs are so high, they are almost impossible to sustain without Medicaid, which is the case in most states and not just here. To qualify for the program, you need a maximum income of $2,313 per month (as of 2019) or $4,626 if you’re applying with your spouse.

(SeniorAdvice, Nolo)

The Average Cost of Nursing Home Care in Texas

The general prices of nursing homes in the Lone Star State range from $140 to $325 per day. As an example, the median cost in the Dallas-Fort Worth area is $186. The average Texan family pays approximately $56,940 on the nursing home cost per year in a semi-private suite in an elderly care facility in North Texas. 

Seniors with limited income may qualify for Medicaid. Other ways of paying for the cost of nursing homes in Texas are through Veteran’s Aid or via a long-term insurance plan. 

(Senior Living Specialists)

The Average Cost of Nursing Home Care in Massachusetts

Expect to need $353 for daily nursing home costs if you plan on sending a loved family member to a professional facility in the Bay State. The prices here are higher than the national average, but the median income is also relatively high. You may choose among 569+ retirement homes available statewide.

There are two categories of establishments in Massachusetts: SNF (Skilled Nursing Facilities) and N.F. (Nursing Facilities). Both provide medical assistance, general care, and rehabilitation services, although the latter are available only for individuals with special mental conditions. While neither serves as a primary treatment method for any disease or condition, they do offer thorough support. 

(Senior Homes)

The Average Nursing Home Cost in Missouri

Here, the average retirement home cost stands somewhere along the lines of $58,000 per year for a semi-private room. An assisted living facility costs $2,700 per month, while homemakers usually charge about $20 hourly. 

Low-income individuals are covered by Medicaid in Missouri, as well. Other financing options are through private health insurance or retirement health plan, a person’s own income, savings, or assets. Of course, the ones who are fortunate enough to have a family who can support the costs may also do so. 

(Missouri Department of Insurance)

The Average Nursing Home Cost in Alabama

The median daily rate is approximately $191 per day or $70,000 per year for all facilities. The highest price was registered in the Daphne-Fairhope-Foley region, where the nursing home cost per day was $289. On the other hand, the Anniston-Oxford area has the lowest rate of $144 per day. 

Compared to nursing homes, assisted living facilities are cheaper and should only require around $38,000 per year. Another option for people on a budget is getting a home health aide, which will cost $37,000 yearly, or even send their elderly loved one to daycare for just $9,000. 


The Average Nursing Home Cost in Indiana

In the Hoosier State, elders staying at one of the 739 establishments are billed $215 each day for their retirement home costs. The facilities here are regulated by the Indiana State Department of Health (ISDH), and seniors who qualify can pay through Medicare. Nonetheless, this state is one of the most affordable for retirement, especially considering how expensive its surroundings are.

(Senior Homes)

The Average Nursing Home Cost in NJ

According to studies done by Medicare, the median cost of nursing home care in the Garden State is $109,500 yearly. The nursing home monthly cost may vary from $4,770 to $12,030. If you are looking for a cheap option, don’t count on the Northern Jersey metropolitan area where the yearly average stands at $137,616. 

A better alternative on the price side is the Atlantic City-Hammonton area, where you will pay about $99,463 per year. 


The Average Nursing Home Cost in MN

Nursing home costs by state vary widely, so considering the sums required in other states, it might be a huge surprise to see that in Minnesota, only about $90,000 per year is needed. 

Home care is priced at $60,000 for the average 44 hours per week service and assisted living facilities will ask for somewhere around $48,000 for one year of support. Some centers will charge extra for other services beyond the room and board, while for others, the up-front fees cover everything.


The Average Nursing Home Cost in NC

The typical North Carolina nursing home cost per month is between $3,900 and $8,490, with a median yearly price tag of $73,913. The highest prices are in the Goldsboro metropolitan area, coming in at about $170,820 per year. If this is above your budget, you don’t have to worry as at the opposite end of the spectrum, in the Hickory-Lenoir-Morganton area, costs from $199 to $475 per day. The median yearly retirement home costs here stand at $76,559.


The Average Nursing Home Cost in Georgia

This state’s retirement home residents must spend an average of $183 per day or $67,000 per year. The prices here vary a lot, as there is a 55% difference between the highest and lowest prices institutions, considering a semi-private room’s cost. As such, the Atlanta-Sandy-Springs-Roswell area is the most expensive, raking in a bill of $93,000 per year. 

All things considered, in all the neighboring states (Florida, Alabama, and South Carolina), the median prices seem to be higher than the average Georgia nursing home costs, which is an important fact to know before making a decision. 


The Average Cost of Nursing Home in Illinois

A private room in an elderly care institution in this state will cost you about $78,840 per year, while a semi-private one is priced just at $63,875. This means you should budget between $175 to $216 for each day. 

Of course, the costs are also highly dependent on where you live in Illinois, besides the variations in the long-term care costs by state. The Des Plaines Area is the most expensive, followed by Chicago and Peoria. Elderly people on a budget should look for such accommodation in the rest of the state, where the bill can get significantly lower. 


The Average Cost of Nursing Home in Michigan

In the Great Lakes State, the cost of nursing homes per day varies from $295 to $320, depending primarily on location and other factors such as the quality level of the services offered. 

Some residents can benefit from Medicaid if they stand under the maximum allowed monthly income level (below 138% of the federal poverty level). Those who already get Supplemental Security Income also qualify automatically. 

Moreover, consider that medical bills are deductible from the considered income when applying for Medicaid. All in all, in Michigan, the average cost of long-term care is slightly above the national median.

(Carrier Law, Nolo)

The Average Cost of Nursing Home in Wisconsin

Nursing home care cost is higher in the Badger State than the national median. It is estimated that the average price the local facilities ask for is $247 per day. 

As always, state-licensed institutions are eligible for Medicaid and Medicare reimbursement. For more information on the specifics of getting financial assistance through these programs, residents can contact the Wisconsin Department of Health Services. Also, the local DHS provides many valuable resources on its official website. 

(Senior Homes)

The Average Cost of Nursing Home in Virginia

Virginia has nursing home rates by state a little over the national average. As such, a private room will bring a bill of $8,200 at the end of every month. Those looking to get a semi-private room need only $7,350.

Another viable alternative is the convalescent homes or skilled nursing facilities, which serve seniors with 24/7 medical attention, but encourage them to be otherwise independent in their daily routine activities.  

(A Place for Mom)

The Average Cost of Long Term Care in California

As with everything else, Californians must pay for senior care more than other US residents due to the generally high standard of living on the West Coast. Looking at the stats from 2017, the median price for senior care institutions in the Golden State was $290 a day, amounting up to $110,000 annually. Judging by these stats, the approximate nursing home cost per month is 13,200 in California. 

It might be a little grim to think about this coming statistic, but, on average, the average long-term care stay is two years. One in five senior citizens will spend more than five years in this type of facility, with women typically requiring services a year longer than men. 

(California Partnership for Long Term Care)

The Median Cost of Nursing Home in Alaska

This is one of the most expensive states to get a place in a senior care facility. In the most costly Alaskan areas, the daily average cost of nursing home care can get up to $800 for a private room. 

The Personal Care Services program may come in handy as it is part of the local Medicaid plan. As such, it will offer support to qualifying applicants in the form of assistance with bathing, toiletry, medication monitoring, and preparing food.

(Retirement Living, Paying for Senior Care)

The Median Cost of Nursing Home in New York

The Big Apple is expensive, so if you plan on retiring to a professional care institution, you must plan carefully in advance. The average monthly nursing home cost in New York is $12,927. For a single year, the total bill amounts to approximately $160,000. 

Medicaid and Medicare are available as financing options, as well. If you qualify for the latter, you won’t pay anything in the first 20 days of the cost of long-term care but will have to cover the expenses of daily copay for days 20 to 100. 

(Retirement Living, AARP)

The Median Cost of Nursing Home in Colorado

The average daily cost of nursing home treatment in Colorado is $241.00 for private rooms and $214.00 for semi-private. Depending on the actual location, it might get more or less expensive. For example, in Colorado Springs, you must pay approximately $231.00, and in Denver, the price is $242.00. These are the costlier zones. In the rest of the state, $219.00 should suffice pretty much any need. In general, expect a bill of about $7,230 for nursing home costs per month. 


The Median Cost of Nursing Home in New Mexico

In New Mexico, the average cost of a nursing home per day was reported in 2012 at $214 for private care and $193 for semi-private. In Albuquerque, the median price tag is $242, more expensive than the state-wide general average of $200. Therefore, budget around $6,500 for the monthly nursing home cost. 

As cheaper alternatives, the monthly cost of assisted living programs in this state was $3,333, and the hourly required amount for a health aide was $19.


Average Cost of Nursing Home Worldwide 

After taking a look at where things stand at home, it’s time to take a look at what senior care costs around the world, to see how the US compares.

The Average Cost of a Nursing Home in New Zealand

Care centers in New Zealand are all subject to the District Health Board’s same regulation, which sets the nursing home prices equal in all regions. As such, it generally costs about $1,100 per week. This brings the cost of a nursing home per month at a whopping $4,500.

(Oceania Healthcare)

The Average Nursing Home Cost in the UK

British elderly pay somewhere between £600 ($832) and £800 ($1,109) for room, board, and assistance, on average. In some cases, the National Health Service may cover part of the cost, especially where the senior citizen’s needs are primarily health-based. 

(Age UK)

The Cost of a Nursing Home in Japan

Since the year 2000, Japanese people have benefited from the Long-Term Care Insurance Program, which provides state-sponsored assistance for the elderly. The program is funded by everyone aged 40 or over, with the contribution depending on their income.  

(Japan Health Policy NOW)

The Average Cost of a Nursing Home in Canada

Canadians may choose either government homes for their elderly or use the services of a private entity. Either way, the fees are regulated by the state. The average nursing home cost in Ontario is $1,674.14 a month for a simple room. A semi-private one will get up to $1,947, while a fully private accommodation stands at $2,274.


The Cost of a Nursing Home in Germany

Although the state does support its citizens much more in Germany than elsewhere, senior care in the country is hardly cheap. 

In general, a German will spend somewhere around €1,903 ($2.273,80) per month for placement in a professional establishment. This brings the average nursing home cost per year at €23,160 ($27.672,70).

It is also essential to keep in mind that Germany’s taxes are also higher, so the state does sponsor a lot of the bills for its citizens, especially medical-related ones. 


The Average Cost of a Nursing Home in Australia

Down Under, the government has set a maximum daily fee of senior care at 85% of the annual single basic Age Pension. As of 2021, this pension was about $860.60 per fortnight. This means that the average nursing home cost per day in Australia is $52.25 maximum.

Also, if you are a citizen of this country and have an annual income or total assets valued at less than $50,500, then you benefit from free assistance. 

(Aged Care Guide)

The Average Cost of Senior Care — Aspects to Consider

We already know the national US average, and that it varies significantly by state. There are, however, other factors to consider.

Private vs. Semi-Private

For the first option, the person will have a room entirely for themselves. This comes with a heftier price tag since, as the name suggests, a semi-private involves less privacy. 

The national average monthly cost of a nursing home is higher if you choose private accommodation ($8,121) as opposed to semi-private ($7,148).

(Retirement Living)

Assisted Living vs Nursing Home Costs

Across the US, private nursing homes are priced at about $4,000 per month. Seniors who suffer from Alzheimer’s or dementia will have to pay an additional $1,150 monthly. This is significantly higher than the prices for assisted living services. 

In general, seniors who need this treatment pay $2,500 per month for primary care. Those with more advanced requirements spend around $7,150.

(Paying for Senior Care)

Cost of Home Care vs Nursing Homes

The average price of nursing home care is significantly higher than its counterpart in question. In fact, studies made on the subject place it at 75% more expensive. 

(Senior Housing News)

Nursing Home Cost FAQ

What is the average nursing home cost per month?

Private nursing home rooms are estimated to cost $8,121 on average, while semi-private options will set you back $7,148/month.

(Retirement Living)

How much does Medicare cover for a nursing home?

If you qualify for the program, you might be able to shave off the price of up to the first 100 days from the average nursing home cost budget. 

(Medicare Interactive)

Does insurance pay for a nursing home?

In general, a private policy will cover between $100 and $500 from the nursing home expenses.

(Trusted Choice)

What happens if you can’t afford a nursing home?

Elders with no money or family will get an assigned specialized ward from the state or county who will make decisions in the person’s best financial and health interests. 


Why is nursing home care so expensive?

The average nursing home cost is high because it covers utilities, rent, insurance, taxes, and around-the-clock medical care. 

(CBS Minnesota)

What happens to my Social Security if I go into a nursing home?

The outcome will be determined on a case-by-case basis. In general, your SSI will be reduced to cover the nursing homes prices, and it may even be terminated entirely. 

(Disability Secrets)

What is the average cost of a skilled nursing facility?

The monthly price ranges between $4,258 and $23,451 for a semi-private room and between $5,019 and $23,451 for a private one. 


Do nursing home patients get a stimulus check?

In short, yes, even if you are on Medicaid, but you may only use it on certain expenses. 

(Elder Law Answers)

What is the most expensive type of long-term care?

The least affordable nursing homes are skilled nursing facilities.


Which form of elder care has the highest monthly cost on average?

The highest average cost of nursing home services comes from those that involve the most medical assistance, either physical or mental. 

What is nursing home insurance?

This is a type of healthcare coverage that pays for skilled nursing, assisted living, nursing home rates, custodial care, and in-home care.

(Trusted Choice)

Are nursing homes open for visitors?

Unfortunately, during the COVID-19 pandemic, visits are restricted but in general, they are open for visitors. 


When is nursing home week?

The National Skilled Nursing Care Week takes place between the 9th to 15th of May.


Are nursing home expenses tax-deductible?

Yes, in some instances, the retirement home prices are tax-deductible, so you can budget your average cost of nursing home calculations accordingly. 


Will nursing homes take social security checks?

If Medicaid pays for more than half of the price you spend, the SSI benefit will be limited to $30 a month. 


What nursing home will Medicare pay for?

Medicare seeks to bring affordable nursing homes to those in need. Therefore, it will pay for the total price of the first 20 days in any facility. 


Can nursing home residents drink alcohol?

Considering the average cost of retirement home care, most residents want to get enough bang for their buck and be allowed to live with no restraints while they stay there. Without prolonging this any longer, yes, they can drink if their medication doesn’t forbid it. 

(Alcohol Rehab Guide)

Can a nursing home give IV antibiotics?

Yes, they can, and, in fact, many residents receive antibiotics more than once during the average nursing home stay.

(Guy’s and St Thomas’ NHS Foundation Trust)

How are nursing home residents fed?

Cheap nursing homes will have a lower quality of food. Nonetheless, even in low-cost nursing homes, seniors receive decent food. Furthermore, those who need assistance are fed by the staff, a service included in the average nursing home costs. 

(Nursing Times)

The Bottom Line 

So, there you have it. We hope this has brought to light everything you wanted to know and offered some more closure on the decision you are about to make. Still, even with all the options available and the information about the average nursing home cost, using this kind of service is never easy. Nevertheless, you have to make do with what you have.

References: SeniorAdvice, FamilyAssets, SeniorAdvice, Nolo, Senior Living Specialists, Senior Homes, Missouri Department of Insurance, Dibbern, Senior Homes, SeniorAdvice, Minnesota.gov, SeniorAdvice, Dibbern, Dibbern, Carrier Law, Nolo, Senior Homes, A Place for Mom, California Partnership for Long Term Care, Retirement Living, Paying for Senior Care, Retirement Living, AARP, Dibbern, Dibbern, Oceania Healthcare, Age UK, Japan Health Policy NOW, Sunnybrook, IamExpat, Aged Care Guide, Paying for Senior Care, Senior Housing News, Medicare, Interactive, Trusted Choice, JoinCake, CBS Minnesota, Disability Secrets, SeniorLiving, Elder Law Answers, SmartAsset, AARP, AHCA/NCAL, IRS, SSA, Alcohol Rehab Guide, Guy’s and St Thomas’ NHS Foundation Trust, Nursing Times

Leave a Reply

Your email address will not be published. Required fields are marked *