Nursing Home Costs in 2025
Nursing home costs vary by state, facility, and level of care required, with national averages of $10,965 per month in 2025.
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Location, duration of stay, and services required are just a few of the factors that impact the cost of nursing home care. We’ve researched thousands of senior care facilities to find out pricing in all 50 states, combining our research with data from Genworth. The median cost of a private room in a nursing home is $361 per day or $10,965 per month in 2025. Semiprivate rooms are more affordable with median costs of $314 per day or $9,555 monthly. That adds up to an annual cost of $114,665 for a semiprivate room or $131,583 for a private room.1 Fortunately, there are many ways families can make this necessary care more affordable.
Table of Contents
National Median Costs of Nursing Home Care in 2025
The long-term cost of nursing home care will depend on factors like your location, the provider, how long you plan to stay, and the need for any special services.
» Compare Your Options: Nursing Home vs. Skilled Nursing
In some cases, facilities’ rates are all-inclusive, while others may charge additional fees for certain services, including physical therapy, speech therapy, and memory care.
| Room type | Daily | Monthly | Annually |
|---|---|---|---|
| Semiprivate room | $314 | $9,555 | $114,665 |
| Private room | $361 | $10,965 | $131,583 |
Rates have climbed in recent years, a trend that looks to continue. If current projections hold, the monthly cost of a semiprivate room in a nursing home will be approximately $11,077 by 2030, an increase of 15.9 percent. For private rooms, expected annual costs have already passed the six-figure mark.
The chart below shows past, present, and projected future costs, side by side.
| Room type | 2016 | 2025 | 2030 |
|---|---|---|---|
| Semiprivate room | $82,128 | $114,665 | $132,928 |
| Private room | $92,376 | $131,583 | $152,540 |
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Nursing Home Costs By State
The state where you receive care impacts nursing home costs as much as the room type. In 2025, monthly median costs for a semiprivate room range from $5,639 in Texas to $31,282 in Alaska.
| State | Semiprivate cost per month | Private cost per month |
|---|---|---|
| Alabama | $8,397 | $8,773 |
| Alaska | $31,282 | $31,282 |
| Arizona | $7,832 | $10,809 |
| Arkansas | $7,362 | $7,942 |
| California | $12,046 | $15,633 |
| Colorado | $10,339 | $12,000 |
| Connecticut | $15,508 | $17,074 |
| Delaware | $14,599 | $15,336 |
| District of Columbia | $11,952 | $15,664 |
| Florida | $10,652 | $11,905 |
| Georgia | $9,086 | $9,712 |
| Hawaii | $15,540 | $16,855 |
| Idaho | $10,370 | $11,028 |
| Illinois | $8,145 | $9,399 |
| Indiana | $8,741 | $10,668 |
| Iowa | $9,195 | $9,947 |
| Kansas | $7,989 | $8,773 |
| Kentucky | $8,992 | $10,244 |
| Louisiana | $7,707 | $7,832 |
| Maine | $13,315 | $14,302 |
| Maryland | $12,876 | $14,881 |
| Massachusetts | $14,881 | $16,009 |
| Michigan | $10,965 | $11,921 |
| Minnesota | $12,532 | $14,490 |
| Mississippi | $9,931 | $10,182 |
| Missouri | $6,548 | $7,362 |
| Montana | $9,336 | $9,712 |
| Nebraska | $8,631 | $10,339 |
| Nevada | $11,545 | $13,174 |
| New Hampshire | $12,845 | $13,534 |
| New Jersey | $12,751 | $14,788 |
| New Mexico | $10,057 | $11,028 |
| New York | $15,164 | $16,025 |
| North Carolina | $9,086 | $10,182 |
| North Dakota | $9,148 | $9,963 |
| Ohio | $9,305 | $10,339 |
| Oklahoma | $6,641 | $7,832 |
| Oregon | $16,292 | $17,607 |
| Pennsylvania | $12,187 | $13,347 |
| Rhode Island | $11,748 | $13,080 |
| South Carolina | $9,227 | $9,822 |
| South Dakota | $9,086 | $9,618 |
| Tennessee | $9,399 | $10,151 |
| Texas | $5,639 | $7,300 |
| Utah | $8,616 | $10,965 |
| Vermont | $14,099 | $15,664 |
| Virginia | $8,929 | $10,120 |
| Washington | $13,095 | $14,255 |
| West Virginia | $12,845 | $13,252 |
| Wisconsin | $10,370 | $11,592 |
| Wyoming | $10,213 | $10,636 |
In every state, the cost of both semiprivate and private rooms in nursing homes rose between 2023 and 2024. For some states, the increases have been dramatic.
» Timing the Transition: When to Move From Assisted Living to a Nursing Home
Genworth examines each state’s compound annual growth rate from 2023 to 2024 for the cost of semiprivate and private rooms in nursing homes. They found that, nationally, the median cost rose year-over-year by 7 percent, while the median cost of private rooms rose by 9 percent.2 The table below shows the median annual increase in nursing home costs by state.
| State | Semiprivate | Private |
|---|---|---|
| Alabama | 2% | 2% |
| Alaska | 5% | 5% |
| Arizona | 1% | 1% |
| Arkansas | 4% | 3% |
| California | 5% | 5% |
| Colorado | 4% | 4% |
| Connecticut | 2% | 3% |
| Delaware | 5% | 5% |
| District of Columbia | 1% | -2% |
| Florida | 3% | 3% |
| Georgia | 4% | 4% |
| Hawaii | 3% | 4% |
| Idaho | 4% | 4% |
| Illinois | 2% | 3% |
| Indiana | 3% | 3% |
| Iowa | 4% | 4% |
| Kansas | 4% | 4% |
| Kentucky | 3% | 3% |
| Louisiana | 3% | 3% |
| Maine | 5% | 5% |
| Maryland | 4% | 5% |
| Massachusetts | 2% | 2% |
| Michigan | 4% | 4% |
| Minnesota | 10% | 10% |
| Mississippi | 2% | 2% |
| Missouri | 2% | 2% |
| Montana | 3% | 3% |
| Nebraska | 6% | 5% |
| Nevada | 3% | 3% |
| New Hampshire | 2% | 3% |
| New Jersey | 3% | 2% |
| New Mexico | 3% | 3% |
| New York | 3% | 3% |
| North Carolina | 3% | 2% |
| North Dakota | 2% | 3% |
| Ohio | 3% | 2% |
| Oklahoma | 4% | 4% |
| Oregon | 4% | 4% |
| Pennsylvania | 3% | 3% |
| Rhode Island | 3% | 1% |
| South Carolina | 4% | 4% |
| South Dakota | 3% | 3% |
| Tennessee | 4% | 4% |
| Texas | 3% | 4% |
| Utah | 5% | 7% |
| Vermont | 4% | 5% |
| Virginia | 4% | 4% |
| Washington | 3% | 3% |
| West Virginia | 7% | 7% |
| Wisconsin | 3% | 3% |
| Wyoming | 1% | 1% |
Watch the video below with Jeff Hoyt, our editor-in-chief, for more information on the cost of nursing homes.
What Is a Nursing Home?
Nursing homes provide nursing care for seniors around the clock, with 24-hour medical care available. This type of care is similar to skilled nursing care and convalescent care.
» Understand the Differences: Nursing Home vs. Skilled Nursing Facility
While seniors typically transition into a nursing home permanently, some homes also provide short stays for those requiring rehabilitation after an injury, illness, or surgery that may require skilled nurses and/or therapists.
FYI:
Not all nursing homes are created equal. Use our senior living amenities checklist to find the benefits you need./tips]
Whether you need these services part-time- or full-time, nursing home care comes at a premium price compared to other health care options. However, it also provides older adults with all the valuable services they need related to medical care, socialization, rehabilitation, and housekeeping in environments designed to offer the comforts of home.
» Also Check Out: Senior In-Home Care Costs
Cost of Nursing Homes vs. Assisted Living
Assisted living costs continue to rise, though these communities are much more affordable than nursing homes, as they provide less intensive care. The estimated median cost of assisted living facilities is roughly $200 per day, equating to $6,077 per month or $72,924 per year, depending on your home state. While this represents an increase over the past few years, assisted living is far more affordable than semiprivate or private rooms in nursing homes. It’s important to note that these figures don’t account for specialized care, such as memory care, or consider disabilities.
Did You Know? The COVID-19 pandemic had a profound impact on how nursing homes operate, as many facilities had infection rates as high as 75 percent.3
While the costs have risen, assisted living is far more affordable than semiprivate or private rooms in nursing homes. It’s important to note that these figures don’t account for specialized care, such as memory care, or care for disabilities.
Our free housing and care finder uses your unique needs to curate a list of the best options in your area.
Cost of Nursing Homes vs. In-Home Care
Options for in-home care providers include homemaking service providers, who can help older people with activities of daily living and household tasks like cleaning, cooking, and running errands. Home health aides are another option since they are trained to provide more extensive care while also serving as companions.
Sometimes, individuals and families may choose skilled in-home nursing care, typically provided by a registered nurse or certified therapist who can administer medication and monitor vitals regularly. However, the more intense the medical care required, the higher the cost.
For example, typical homemaker companion services cost about $213 per day, home health aides cost $220 per day, and for a 10-hour workday, a typical registered nurse would make around $400. However, in most cases, these services aren’t needed all day or daily.
SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines
Are Nursing Home Costs Tax-Deductible?
In most cases, out-of-pocket senior care costs at a nursing home are tax-deductible under itemized medical expenses. If you, your parent, spouse, or another legitimate dependent is in nursing care primarily for medical care, any expenses related to medical care, lodging, and meals are deductible.
» For Tax Guidance: Tax Credits and Deductions for Seniors
However, seniors in nursing homes for personal reasons (rather than medical) will only be allowed to deduct costs associated with actual medical care, not including meals and boarding costs. Visit our guide to health care tax deductions to learn more about ways to deduct medical expenses.
How to Pay for Nursing Home Costs
Nursing care expenses can be paid for privately. However, you can also fund your care in other ways, including through health insurance, life insurance, long-term insurance policies, savings, reverse mortgages, and local or regional agency assistance.
Payment options
Medicare Coverage for Nursing Home Costs
Medicare will only cover skilled nursing care expenses in specific situations and shouldn’t be used to pay for nursing home or custodial care costs in the long term. One such situation is when a senior has been hospitalized and released but still requires some specialized care. Medicare will help pay for short-term stays in nursing homes if they:
- Were admitted to the hospital for a minimum of three days.
- Have been admitted to a Medicare-certified facility within 30 days of the hospital stay.
- Need skilled care like physical therapy, speech therapy, and other types of rehabilitation.
Those who meet these conditions under original Medicare will qualify for assistance as follows.
- Up to 20 days of nursing care is 100 percent covered by Medicare.
- After day 21 and up to day 100, patients will pay a copay of up to $200 per day.
- After 100 days, all Medicare coverage ends, and all payments are the patient’s responsibility.
Pro Tip: If you’re a new caregiver to a senior adult, check out our Compassionate Caregiving Course for tips and tricks.
Medicaid Coverage for Nursing Home Care
Medicaid coverage assists beneficiaries with many types of medical care, including doctor’s visits, hospital stays, and long-term care services such as those received in a skilled nursing facility. Often, this program covers 100 percent of these costs, but there may be copayments for select beneficiaries. For those who qualify for Medicaid, this is the best choice for nursing care coverage.
Did You Know? Nationally, Medicaid paid for an average of 82 cents per dollar spent on care for nursing home patients.4
Veterans' Benefits for Skilled Nursing Care
Veterans with service-related injuries and disabilities can receive full coverage from the Department of Veterans Affairs for long-term care services at specified locations or through certain providers approved by the department.
Long-term VA care includes 24/7 nursing care, physical therapy, help with daily tasks, comfort care, and pain management. Those without service-related disabilities may also qualify for VA benefits. However, copayments may be required, depending on the veteran’s status. Visit our guide to veteran senior care to learn more about the various types of senior housing.
Private Pay
It’s common to pay for nursing home care privately, then move to Medicare or another funding source later. The main benefit of private paying is flexibility.
With Medicare and other taxpayer-subsidized programs, seniors have fewer choices because nursing homes can limit the number of publicly-funded enrollees. So, you need to know the accepted payment setups before moving into a given facility.
Sources of private funds could be savings or money from cashing out IRAs and other investments. People borrow from life insurance policies, sell their homes, and get reverse mortgages.
Pro Tip: Are you trying to get your finances to afford nursing care? Read our guide to finances for seniors for tips and expert advice on making the most of your money.
Annuity (Savings)
When planning long-term care, someone with savings can buy an annuity. The underwriter receives a lump sum of cash and then issues regular monthly payments to the individual after retirement. The individual can use these payments for a nursing home, a car payment, or anything else.
» Learn More: Annuity Calculator
The main advantage of having an annuity is financial discipline. The annuity forces savings to be stretched out over time. Regular payments are guaranteed. Additional advantages of annuities include:
- Savings put into an annuity are shielded from consideration on applications for government aid.
- A person who lives a long life could draw more from the account than they put into it.
The main disadvantage of annuities is that value is lost in commissions and annual charges. Also, penalties are charged if funds are withdrawn early.
Life Insurance
A whole life insurance policy (but not a term life insurance policy) can be tapped for long-term care payments. However, this, of course, reduces the financial benefit for heirs. Three approaches are:
- Surrendering a policy
- Selling a policy
- Converting life insurance to “life assurance”
First, a whole life insurance policy can bebe surrendered to the provider. That means the agency purchases the policy back from the policyholder. However, usually, they'll pay just 50 to 75 percent of the face value. If you’re looking for affordable life insurance plans, check out our guide for the best cheap life insurance in 2025.
Pro Tip: If you’re looking for affordable life insurance plans, check out our guide for the best cheap life insurance in 2025.
Similar terms are offered for the second approach: selling the policy to a “life settlements” company. Again, the typical offer is about 50 to 75 percent of the policy's value. The life settlements company pays the policy's premiums until the policyholder passes. The company then receives the financial payout.
Life insurance conversion to “life assurance” is a third option designed to pay for long-term senior care. Like life insurance, life assurance includes a savings guarantee (plus an investment portfolio). Life insurance conversion accounts might give less for senior care but preserve a death benefit (inheritance). Meeting with a financial advisor could help you decide if life assurance is the right option for you.
» Check Out: Life Insurance Calculator
Long-Term Care Insurance
Buying long-term care insurance can be smart when someone plans to pay for senior care. It offers more freedom of choice than using Medicare and other public programs for nursing home payments.
Money Tip: One way to lower nursing home costs is to age in place with a medical alert system. Check out our best medical alert system guide to help you make an informed decision.
People buy policies that pay anywhere from $2,000 to $10,000 per month. Inflation protection can be included with monthly premium payments to guard against dramatic market changes.
Long-term care insurance policies vary regarding when they’ll pay benefits. Generally, to receive payments for nursing home care or assisted living, a person must need help in at least two activities of daily living. A doctor’s statement documenting this need is required as part of the claim.
>>Calculate Your Costs: Long Term Care Calculator
Renting Out a Property
When a senior leaves their old home after moving to a nursing home, renting it out with careful management could be a valuable income source. Turning a home into a rental might become a permanent source of income for the family or a temporary source of income until they sell the house.
Ideally, rental arrangements should be made when the homeowner is still a competent decision-maker. For a loved one to take over, that person will need legal guardianship or power of attorney over the homeowner.
Bridge Loan
Bridge loans can cover people's living expenses as they await a property sale, pension payout, or another virtually guaranteed source of income. A bridge loan is a short-term loan, but often, the first payment isn't due until 90 days after signing. Typical loan lengths vary from three months to two years.
Reverse Mortgage Loan
While a bridge loan can help during a pending home sale, a reverse mortgage loan helps keep the home until the second spouse moves out or passes away. The loaned money can help pay for nursing home care.
FYI: One of the best ways to manage your budget is to use an app. Check out these best budgeting apps for seniors.
The advantage of using a reverse mortgage loan for nursing home payments is that it covers two housing costs simultaneously. Loan payments become due when the second person no longer lives in the home. Heirs often opt to sell the property rather than make payments.
How Can I Find Nursing Homes Near Me?
You can explore nursing homes and skilled care providers with our comprehensive nursing home directory. Our database allows you to search by ZIP code or state, then lets you narrow down your search by specific needs or preferences.
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Genworth. (2025). Cost of Care Survey.
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Genworth. (2024). Cost of Care Survey: Median Cost Data Tables.
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U.S. Department of Health and Human Services. (2024). Lessons Learned During the Pandemic Can Help Improve Care in Nursing Homes.
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ASPE. (2024). Assessing Medicaid Payment Rates and Costs of Caring for the Medicaid Population Residing in Nursing Homes: Final Report.
