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Nursing Home Costs in 2020

Average costs by state and room type

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by Jessica Render ConsumerAffairs Research Team
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A nursing home is a senior living facility that offers the highest level of care and security. Nursing homes provide 24/7 monitoring and support for seniors and their families, including keyed entries, emergency response and room and board. Seniors can move into a nursing home for a short period of time after a surgery or full-time if they are unable to live independently and safely.

Common services include custodial care like bathing and feeding, specialized medical care and housekeeping. Nursing homes also offer general entertainment and social activities, like live music, movie nights or field trips. Because of all the services they provide, they also come at a high cost.

How much does a nursing home cost?

How much a nursing home costs depends on the length of stay, what type of services are required and the type of facility. Costs can also vary greatly from state to state. In general, the table below outlines the average costs of a nursing home in the United States.

Semi-private roomPrivate room
Per day$247$280
Per month$7,513$8,517

Average nursing home cost by state

Not all states are created equal when it comes to cost of care. Monthly nursing home costs range from $5,627 a month in Oklahoma to more than $30,000 a month in Alaska. This chart, put together using Genworth’s 2019 Cost of Care study, outlines the average cost by state.

StateAverage daily CostAverage monthly cost
Alabama$223$6,783
Alaska$994$30,219
Arizona$268$8,136
Arkansas$200$6,083
California$350$10,646
Colorado$310$9,429
Connecticut$458$13,916
Delaware$374$11,361
Florida$309$9,387
Georgia$235$7,148
Hawaii$440$13,368
Idaho$282$8,562
Illinois$225$6,844
Indiana$280$8,517
Iowa$226$6,878
Kansas$203$6,175
Kentucky$250$7,604
Louisiana$187$5,676
Maine$345$10,494
Maryland$329$10,007
Massachusetts$434$13,212
Michigan$306$9,292
Minnesota$363$11,037
Mississippi$233$7,087
Missouri$187$5,688
Montana$254$7,717
Nebraska$253$7,695
Nevada$305$9,277
New Hampshire$345$10,494
New Jersey$383$11,650
New Mexico$265$8,060
New York$406$12,349
North Carolina$252$7,665
North Dakota$394$11,986
Ohio$257$7,817
Oklahoma$185$5,627
Oregon$340$10,342
Pennsylvania$342$10,403
Rhode Island$350$10,646
Sourth Carolina$250$7,604
South Dakota$237$7,194
Tennessee$240$7,300
Texas$211$6,418
Utah$250$7,604
Vermont$371$11,285
Virgina$270$8,213
Washington$327$9,931
West Virgina$379$11,528
Wisconsin$309$9,399
Wyoming$264$8,030

Nursing home vs. other senior living costs

If you’re comparing senior living options for yourself or a loved one, you have a few options. Assisted living and in-home care are both alternatives to the traditional nursing home facility.

Cost for these services can range from $20 per hour to more than $8,000 per month.

Facility typeCost per month (rounded)
Nursing home$8,500
Assisted living$4,000
In-home care$4,000

You’ll also need to factor in specialized needs, like care for Alzheimer’s disease or dementia, which can add an additional $1,500 on to your cost each month. In-home care costs vary based on how often you need a care provider in your home. In-home care can be provided for a few hours a week or several hours each day. Live-in home care is also available.

How to pay for a nursing home

Nursing homes can be expensive, but there are many different options for seniors and their families when it comes to covering the cost. This includes long-term care insurance. Other options include:

  • Medicare: Medicare can cover a portion of short-term inpatient stays, like intensive rehabilitation, but it’s fairly limited in terms of coverage.
  • Medicaid: Medicaid may be an option for low-income individuals (usually making less than $2,313 per month), but the coverage typically only covers custodial care, not medical services.
  • VA benefits: As a veteran, your VA benefits may also be used to help cover the cost of nursing homes and other senior living options.
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Profile picture of Jessica Render
by Jessica Render ConsumerAffairs Research Team

As a member of the ConsumerAffairs research team, Jessica Render is dedicated to providing well-researched, valuable content designed to help consumers make informed purchase decisions they can feel confident making. She holds a degree in journalism from Oral Roberts University.