- A recent GOBankingRates study examined the estimated cost of senior care and healthcare across the country.
- The states with the lowest senior care costs tend to be states with a lower overall cost of living, according to the study.
- But in some states such as Alaska and Massachusetts, where the overall cost of living is high, senior care is less affordable.
Like virtually everything else in America, the cost of senior care varies a lot depending on where you live. GOBankingRates examined the monthly cost of senior care services in each state by analyzing six different key categories and comparing them to the median monthly cost nationwide. Here’s a breakdown for the U.S. overall:
- Home healthcare homemaker services: $3,994
- Home healthcare home health aide: $4,099
- Adult day healthcare: $1,517
- Assisted-living facility: $3,750
- Nursing home care, semi-private room: $7,148
- Nursing home care, private room: $8,121
All dollar figures represent the state’s median monthly cost, which you can use to determine how much you can expect to spend for senior home care services or out-of-home services depending on where you live.
Click through to see why senior care is unaffordable in so many states.
Cost of Senior Care in Alabama
When it comes to living cheap as a senior, just one state is less expensive overall than Alabama, which is the least expensive state by far in terms of adult day health care. At a cost of just $563 a month, it’s one of just two states with a three-digit median price in that category.
Cost of Senior Care in Alaska
Alaska might make an affordable vacation, but it costs more to care for seniors in Alaska than anywhere else in America. It’s the No. 3 most expensive in terms of homemaker services, No. 2 most expensive for home health aide services and assisted living facility costs, and at $3,642 a month, it’s by far the most expensive state in terms of adult day health care.
The real sticker shock, however, comes with the price of private and semi-private nursing home care, both of which cost a shocking $24,333 a month, which blows away the closest competitor by five figures a month. That’s nearly $292,000 a year.
Cost of Senior Care in Arizona
Arizona is locked in a three-way tie with Texas and Michigan in terms of assisted living facilities cost. That service costs $3,500 a month in the Southwestern state. If you’re planning to retire there, make sure you know how much $1 million in retirement will last in the Grand Canyon state.
Cost of Senior Care in Arkansas
Arkansas is the No. 4 cheapest overall state in America for senior care. It’s the No. 5 cheapest for homemaker services. All of its costs are well below-average, except for adult day healthcare. At $1,733 per month, adult day healthcare in Arkansas is more expensive than the national median.
Cost of Senior Care in California
At-home senior care isn’t cheap in California. Both homemaker and home health aide services cost $4,767 in California, roughly $700 higher than the national median on both counts. Overall, California is the 13th most expensive state for senior care in the country.
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Cost of Senior Care in Colorado
Colorado is fairly pricey in terms of senior care — but there are some categories that are more affordable. For example, Colorado adult day healthcare costs less than the U.S. median, $1,495 versus $1,517, respectively.
Cost of Senior Care in Connecticut
Connecticut has some punishing senior care costs. An assisted living facility costs approximately $4,600 a month, nearly a grand higher than the national median. But the state’s nursing home costs really raise eyebrows.
In Connecticut, a semi-private room in a nursing home costs $12,516 a month, while a private room adds an additional thousand, costing $13,505 a month. For perspective, in California — a state notorious for its high cost of living — a private nursing home room is about $3,800 cheaper and a semi-private room is $4,400 cheaper than in Connecticut.
Cost of Senior Care in Delaware
Despite Connecticut’s high costs, Delaware is actually worse, thanks in large part to the cost of assisted living facilities. At $6,015 a month, no other state charges more.
Nursing home care is rather expensive in Delaware, too. Semi-private rooms cost $10,646 a month and private rooms cost $10,996. At those rates, nursing home care in Delaware is more expensive than 44 states.
However, it’s one of the best states to retire rich, found a previous GOBankingRates study.
Cost of Senior Care in Florida
When it comes to senior care costs, Florida puts up encouraging numbers. The state boasts cheap homemaker services as well as home health aide amenities. With the exception of nursing home care, the state falls below the national median in all other categories.
Cost of Senior Care in Georgia
Georgia holds the title of the No. 5 cheapest state for senior care. Both homemaker services and health aide services cost at least $300 less than the national median.
However, Georgia really shines when it comes to the price of assisted living facilities, which averages a mere $2,800 a month. That’s against $3,750 for the U.S. overall, and cheap enough that only one state can beat it.
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Cost of Senior Care in Hawaii
Only three states charge more for senior care than Hawaii. This isn’t much of a surprise considering Hawaii has the worst cost of living in the country.
Nursing home care costs, for both semi-private and private rooms, run higher than $10,000. But Hawaii’s most egregious price points are for home healthcare. Both homemaker and home health aide services run nearly $60,000 per year, costing $4,814 and $4,957 a month, respectively.
Cost of Senior Care in Idaho
Overall, Idaho is just above average when it comes to the price of senior care. The cost of adult day health care in Idaho is $2,185 per month — that’s the No. 6 most expensive in the entire country. On the other hand, assisted living facilities cost about $3,150, which is $600 cheaper a month than the U.S. median.
Cost of Senior Care in Illinois
In terms of senior care costs, Illinois ranks better than most states. Its home healthcare costs aren’t particularly affordable, but nursing home care costs are.
The national median for semi-private nursing home rooms is $7,148 versus only $5,688 in Illinois; for private rooms, costs are $8,121 nationally versus only $6,524 in Illinois.
Cost of Senior Care in Indiana
Indiana skews more affordable than other states also nearing the median — especially for senior home care. Every category of senior care is cheaper in Indiana than the national median except for assisted living and adult day health care.
Cost of Senior Care in Iowa
Senior care costs in Iowa are pushed upward because of home healthcare costs. Whereas rooms in nursing homes undercut national rates by thousands of dollars, costs of homemaker and home health aide services surpass the rest of the U.S.
Cost of Senior Care in Kansas
Like in Iowa, nursing home rooms are very affordable in Kansas. Costing $5,551 a month, the rate for semi-private rooms is the fifth cheapest in the study, as is its rate for private rooms at $6,167 a month.
Cost of Senior Care in Kentucky
Kentucky is the No. 12 cheapest state for senior care. Home health aide services, assisted living facilities, semi-private and private nursing home rooms all cost less in Kentucky compared to the U.S. overall. And, both categories of home healthcare services are around $300 cheaper than the national median.
Cost of Senior Care in Louisiana
Senior care is cheaper in Louisiana than anywhere else in America. It boasts the cheapest homemaker services and the cheapest home health aide services. The state is tied for the No. 2 spot in terms of cheapest private nursing home rooms, which cost $5,475 a month. The $5,171 price tag on semi-private rooms is tied for fourth cheapest.
Cost of Senior Care in Maine
In all of America, Maine is the No. 10 most expensive state for senior care, with several New England neighbors ranking among the top 10 as well. Its $2,340 monthly cost for adult day health care gives the state the title of No. 4 most expensive in that category.
Cost of Senior Care in Maryland
Maryland charges more than the national median for every single category of senior care, but only by a little in most cases. The two exceptions are semi-private and private nursing home care. At $9,125 and $9,916, respectively, those categories come with a significantly higher expense.
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Cost of Senior Care in Massachusetts
New England doesn’t have a reputation for cheap cost of living. When it comes to senior care, it isn’t cheap either, and Massachusetts has some of the highest costs nationwide. In all of America, only Alaska charges more for senior care than Massachusetts.
Assisted living facilities in Massachusetts cost nearly as much per month as nursing home rooms do in other states. For example, a private nursing home room in Missouri costs $5,475 versus $5,599 for assisted living in Massachusetts.
Cost of Senior Care in Michigan
Michigan boasts the third cheapest cost of living in the U.S. Despite that, senior care isn’t notably more affordable here. Cost of adult day healthcare is higher than average, and nursing home rooms are hundreds of dollars more than the national median rate.
Cost of Senior Care in Minnesota
Minnesota is part of a geographic trend in senior care costs: Upper Midwest and Mountain states suffer from expensive home healthcare services. Minnesota’s monthly cost for home health aides, $5,148, and homemaker services, $4,957, are both amongst the highest rates nationally.
Cost of Senior Care in Mississippi
When comparing senior care state by state, Mississippi is the third cheapest overall. Home healthcare costs are significantly less compared to the country’s median rates: $3,241 in Mississippi versus $3,994 for homemaker services and $4,099 for home health aides per month nationally. Affordable nursing home care and assisted living facilities round out this state.
Cost of Senior Care in Missouri
Missouri is the No. 11 cheapest state overall, thanks largely to the low cost of nursing home care. At $4,912 a month, Missouri is one of just three states where semi-private rooms cost less than $5,000. The state’s $5,475 monthly fee ties Louisiana for No. 2 in terms of cheapest private rooms.
Cost of Senior Care in Montana
The remoteness of Big Sky country costs you when it comes to home senior care. Home health aides in Montana, for example, cost $4,648 a month — the tenth most expensive state in that category.
In fact, Montana’s home healthcare costs are very close to those of Oregon and California, two states with reputations, or growing reputations, for high cost of living.
Cost of Senior Care in Nebraska
Nebraska is more expensive than the national median in every single category except nursing home care. Semi-private rooms there cost $6,334 a month. Private rooms cost $6,768.
Cost of Senior Care in Nevada
Out of all 50 states in the study, Nevada came in at No. 24 for the cheapest cost of senior care — which doesn’t say much. Nevada’s home healthcare costs, for example, might not be as high as some of its neighbors, but they aren’t cheap either.
Homemaker services are definitely cheaper in Nevada ($4,195 a month) than in, say, Colorado ($4,572). Yet they’re more expensive than the national median, as are the cost of nursing home rooms. These costs more than offset Nevada’s cheaper assisted living facilities, which cost around $3,400 a month compared to the national rate of $3,750.
Cost of Senior Care in New Hampshire
New Hampshire is the No. 5 most expensive state overall. It’s the No. 8 most expensive in terms of homemaker services, No. 6 most expensive for home health aide services, and the $4,855 monthly fee for an assisted living fee gives New Hampshire the title of the No. 7 most expensive in that category. It’s also the No. 10 priciest state in terms of semi-private nursing home care, thanks to a $9,657 monthly price tag.
Cost of Senior Care in New Jersey
New Jersey is not a great state when it comes to senior care costs. Adult day healthcare costs $1,950 a month in the Garden State, with only seven states posting higher numbers. More unsettling is the price of an assisted living facility, which costs $5,811 per month; only two states — Delaware and Alaska — charge more.
If the financial situation of senior care in New Jersey is bad, the financials of the state itself are even worse. Based on total outstanding liabilities, assets and debt ratio, New Jersey is the state with the most debt in the U.S.
Cost of Senior Care in New Mexico
Senior care costs a bit more on average in New Mexico versus its neighbor Arizona. What hurts New Mexico is adult day healthcare. Costing $2,188 per month, only four states have more expensive monthly rates of adult day healthcare.
Cost of Senior Care in New York
In terms of overall cost of living, New York is one of the most expensive states in America. When it comes to senior care costs specifically the story’s not much different.
Both types of home healthcare services are on the higher side. And nursing room prices run five figures, with a semi-private room costing $11,076 a month and a private room, $11,701.
Cost of Senior Care in North Carolina
In all of America, North Carolina is the No. 7 cheapest state overall for senior care, beating out South Carolina by one spot. Across the board, but most notably with homemaker and home health aide services, North Carolina boasts cheaper-than-average costs.
Cost of Senior Care in North Dakota
Just two states are more expensive than North Dakota, which is the No. 1 most expensive for homemaker services as well as for home health aide services, both of which come out to $5,331 a month. Thus, North Dakota fits the study’s overall geographic pattern: Home healthcare costs rise dramatically in the Upper Midwest.
Cost of Senior Care in Ohio
Senior care in Ohio is on the affordable side, with adult day healthcare costing only $1,224 a month, the fourth cheapest rate in the country. On the other hand, Ohio is plagued by markedly high costs for assisted living facilities. Annually, the price works out to $50,130 in Ohio versus $45,000 for the U.S. overall.
Cost of Senior Care in Oklahoma
Oklahoma ranks No. 9 cheapest overall, boasting the cheapest nursing home care across both categories. Semi-private rooms are $4,471 a month, which makes Oklahoma one of just three states that offer the service for under $5,000. Private rooms cost $5,293 a month.
Cost of Senior Care in Oregon
Cost of living is expected to skyrocket this year in Oregon’s biggest city. Portland, at the center of the booming Portland-Vancouver-Beaverton metro area, is experiencing rapid increases that could contribute to Oregon’s generally high senior care costs. The main sources are expensive homemaker services and home health aides.
Cost of Senior Care in Pennsylvania
Pennsylvania is cheaper than Oregon, though coming in as the No. 27 cheapest state is not something to brag about. Most individual costs hover around the U.S. median, but semi-private and private nursing home rooms run much higher.
Cost of Senior Care in Rhode Island
It’s in New England, so you can expect higher prices for senior care. Rhode Island is home to the No. 11 most expensive state overall for senior care costs, kept out by regional neighbor Maine.
Cost of Senior Care in South Carolina
South Carolina is the No. 8 cheapest state overall, trailing right behind North Carolina. South Carolina is tied for the sixth cheapest homemaker services at $3,623 a month, and its monthly cost for assisted living facilities is amongst the lowest costs at $2,865.
Retiring rich is easier to do in South Carolina compared to most other states. And if you’re living on Social Security only, Columbia is the best city to live on a fixed income in the state.
Cost of Senior Care in South Dakota
South Dakota leans slightly toward the more expensive side in terms of senior care. Homemaker services and home health aides both cost $4,767 a month, substantially higher than the U.S. overall. Again, the geography of the Upper Midwest seems to drive up home healthcare costs compared to the rest of the country.
Cost of Senior Care in Tennessee
Tennessee rounds out the top-10 states with the cheapest senior care. Good rates on nursing home care and home healthcare services make it a solid choice when deciding on the most affordable places.
Cost of Senior Care in Texas
Texas is the No. 6 cheapest state overall and one of just two states with a three-digit price tag for adult day health care. In Texas, that service costs just $758 a month.
Another major plus for Texas is nursing home care. The monthly prices for a semi-private and private nursing home room are only $4,563 and $6,053, respectively, far less than the $7,148 and $8,121 median prices on the national level.
Cost of Senior Care in Utah
Though not as cheap as Texas, Utah manages to stay cheap enough to be the No. 15 most affordable state for senior care. Semi-private nursing home rooms and assisted living facilities are the standouts for affordability.
Cost of Senior Care in Vermont
In the entire country, Vermont holds the title of No. 7 most expensive overall. Home healthcare costs are not wallet-friendly, and the price of adult day healthcare, $2,860 a month, is especially high — the second most expensive rate in the country.
Cost of Senior Care in Virginia
Virginia earned a fairly middle-of-the-road score for cost of senior care. Its most egregious individual cost is assisted living facilities. At $4,508 a month, the price is $800 more than the U.S. median.
Cost of Senior Care in Washington
Living in Washington has become more expensive these days, especially thanks to Seattle and its booming economy. Prosperity, however, often brings with it rising home prices, which is making cost of living soar in Seattle.
When it comes to senior care costs, Washington makes it tough on your wallet. It’s the No. 2 most expensive for homemaker services and the No. 4 most expensive for home health aide services, both of which cost the median resident $5,053 a month. For homemaker services, that works out to paying $60,632 annually in Washington versus only $47,934 for the U.S. overall.
Cost of Senior Care in West Virginia
In West Virginia, senior care costs are on your side. Homemaker services are only around $3,200 a month and home health aides are $3,300, beating the national median for both.
On the negative side, nursing home rooms cost over $2,000 more than the U.S. rate for both semi-private and private rooms. That said, West Virginia has plenty to offer, including general living costs that are tough to beat and an economy that is really taking off.
Cost of Senior Care in Wisconsin
Wisconsin is fairly pricey, with all categories coming in over the national median except one. Adult day health care costs just $1,413 a month.
Cost of Senior Care in Wyoming
Being remote geographically seems to drive up home healthcare costs. Homemaker services run $4,957 a month, which is almost $1,000 more than the national median. Meanwhile, home health aide services surpass the U.S. median by more than $1,000, costing an exorbitant $5,148 monthly.
Where Senior Care Is Most and Least Affordable
The cost of senior care isn’t cheap. A private room in a nursing home can easily cost six figures a year in nearly half the country. One of the more noticeable trends is that the more remote and far-flung a state is, the pricier senior care tends to be. Like the cost of living in general, senior care tends to be cheapest overall in the South and Midwest, and more expensive in the Northeast, in New England, on the West Coast and in the country’s two non-contiguous states.
Click to take a look at luxury retirement communities in the U.S. and their costs.
More on Senior Care
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Andrew DePietro contributed to the reporting for this article.
Methodology: GOBankingRates determined the average cost of senior care in every state by analyzing six different costs: 1) Homemaker Services, 2) Home Health Aide, 3) Adult Day Health Care, 4) Assisted Living Facility, 5) Semi-Private Room, 6) Private Room; all data sourced from Genworth’s Cost of Care Survey.