Estimate what nursing home care, assisted living, memory care and in-home care cost in your area, and how far your monthly budget will go.
Enter a zip code to get accurate cost estimates for your area.
We use your zip code to find regional cost data. Your location is never stored.
Prices vary widely by state and city, so the calculator above uses figures for your state where we have them. As a starting point, these are the 2025 national medians from the Genworth/CareScout Cost of Care Survey:
| Type of care | 2025 national median | About per month |
|---|---|---|
| Nursing home, private room | $129,575 a year | $10,798 |
| Nursing home, semi-private room | $114,975 a year | $9,581 |
| In-home caregiver (home health aide) | $35 an hour | $6,673 at 44 hours a week |
| Assisted living | $6,200 a month | $6,200 |
Memory care is not in the survey. Because it is assisted living plus specialised dementia care, it usually runs 20–30% above assisted living in the same area, and the calculator estimates it that way when no local figure is available.
These are the 2025 state prices the calculator uses, a month at a time. Select a state to see its nursing homes, with ratings and inspection results. Prices in your town can be higher or lower; enter your ZIP code above for a personal estimate.
| State | Nursing home (shared room) | Assisted living | Memory care (estimate) | In-home caregiver, per hour |
|---|---|---|---|---|
| Alabama | $8,220 | $4,425 | $5,531 | $27 |
| Alaska | $27,450 | $9,882 | $12,353 | $38 |
| Arizona | $8,250 | $6,250 | $7,813 | $38 |
| Arkansas | $7,350 | $4,637 | $5,796 | $25 |
| California | $12,000 | $7,000 | $8,750 | $40 |
| Colorado | $10,020 | $6,584 | $8,230 | $42 |
| Connecticut | $15,000 | $9,118 | $11,398 | $36 |
| Delaware | $14,280 | $7,600 | $9,500 | $35 |
| District of Columbia | $8,040 | $9,640 | $12,050 | $38 |
| Florida | $10,200 | $5,610 | $7,013 | $32 |
| Georgia | $8,700 | $5,300 | $6,625 | $32 |
| Hawaii | $15,270 | $12,096 | $15,120 | $41 |
| Idaho | $10,350 | $5,175 | $6,469 | $38 |
| Illinois | $8,190 | $6,219 | $7,774 | $36 |
| Indiana | $8,820 | $5,639 | $7,049 | $35 |
| Iowa | $9,150 | $5,380 | $6,725 | $41 |
| Kansas | $8,550 | $5,975 | $7,469 | $34 |
| Kentucky | $9,600 | $5,528 | $6,910 | $32 |
| Louisiana | $7,500 | $5,162 | $6,453 | $26 |
| Maine | $13,800 | $8,205 | $10,256 | $44 |
| Maryland | $12,750 | $7,172 | $8,965 | $35 |
| Massachusetts | $14,250 | $9,600 | $12,000 | $40 |
| Michigan | $11,100 | $5,818 | $7,273 | $35 |
| Minnesota | $10,500 | $6,572 | $8,215 | $44 |
| Mississippi | $9,450 | $4,369 | $5,461 | $24 |
| Missouri | $6,660 | $5,400 | $6,750 | $33 |
| Montana | $8,850 | $6,075 | $7,594 | $38 |
| Nebraska | $8,250 | $6,350 | $7,938 | $36 |
| Nevada | $11,640 | $6,241 | $7,801 | $37 |
| New Hampshire | $12,060 | $8,025 | $10,031 | $40 |
| New Jersey | $12,600 | $8,710 | $10,888 | $38 |
| New Mexico | $9,000 | $5,950 | $7,438 | $30 |
| New York | $15,300 | $7,110 | $8,888 | $35 |
| North Carolina | $9,600 | $6,496 | $8,120 | $30 |
| North Dakota | $11,370 | $4,729 | $5,911 | $34 |
| Ohio | $9,060 | $6,102 | $7,628 | $34 |
| Oklahoma | $6,930 | $6,150 | $7,688 | $33 |
| Oregon | $16,530 | $6,874 | $8,593 | $40 |
| Pennsylvania | $11,790 | $6,480 | $8,100 | $34 |
| Rhode Island | $11,940 | $7,780 | $9,725 | $40 |
| South Carolina | $8,910 | $5,350 | $6,688 | $31 |
| South Dakota | $9,300 | $4,900 | $6,125 | $44 |
| Tennessee | $9,300 | $5,845 | $7,306 | $31 |
| Texas | $5,550 | $5,666 | $7,083 | $30 |
| Utah | $8,550 | $5,475 | $6,844 | $39 |
| Vermont | $13,920 | $8,597 | $10,746 | $45 |
| Virginia | $10,110 | $6,945 | $8,681 | $35 |
| Washington | $12,960 | $7,600 | $9,500 | $45 |
| West Virginia | $12,660 | $6,340 | $7,925 | $30 |
| Wisconsin | $10,500 | $6,540 | $8,175 | $36 |
| Wyoming | $9,780 | $5,325 | $6,656 | $46 |
Source: Genworth/CareScout Cost of Care Survey 2025, state medians. Nursing home is a semi-private room at 30 days a month. Memory care is estimated at 25% above assisted living. In-home care is the survey's non-medical caregiver rate. District of Columbia is not in the 2025 survey, so it shows 2024 figures.
Original Medicare covers up to 100 days of skilled nursing facility care after a hospital stay of at least three days, with a daily copay from day 21. Medicare Advantage plans set their own rules and costs, so check the plan’s details. Medicare does not pay for long-term custodial care or assisted living.
The largest payer of long-term nursing home care for people who meet their state's income and asset limits. Many states also run waiver programs that pay for care at home or some assisted living services.
Eligible veterans and surviving spouses who need help with daily activities may qualify for the VA's Aid and Attendance pension on top of a basic pension.
Most families combine savings, income, home equity and, where they have it, long-term care insurance. Many start with in-home help and move to a facility as needs grow.
Usually, yes. Nationally, assisted living costs about $6,200 a month against roughly $9,600 for a semi-private nursing home room. A nursing home provides round-the-clock medical care, while assisted living helps with daily activities, so the right choice depends on the level of care needed.
Memory care usually costs 20–30% more than assisted living in the same area, because of secure units, more staff and dementia training. At the 2025 national assisted living median that is roughly $7,400 to $8,100 a month.
For a few hours a day, yes. At the $35 national hourly median, care becomes more expensive than assisted living at around six hours a day, and full-time or overnight care at home can cost more than a nursing home.
Only for short stays. Original Medicare covers up to 100 days of skilled nursing care after a qualifying hospital stay, and Medicare Advantage plans set their own rules. Long-term nursing home care is paid privately, by long-term care insurance, or by Medicaid for those who qualify.