Cost of Long-Term Care Services

This page lists the current cost of long-term care services for every state in the country. Click on your state for details on long-term care planning.

Knowing the cost of long-term care in your area can help you decide if transferring this risk to an insurance company makes sense for you. Regular health insurance and Medicare do not pay for most long-term care so LTC insurance is critical for many families.

You can choose to transfer the entire risk and pay higher premiums, or some of the risk with lower insurance premiums. Either way, this information can help you to make the best choice for your situation.

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Long-Term Care Costs by State – 2024 (annual)

NURSING HOMEASSISTED LIVINGIN-HOME CARE
LOCATIONPrivate RoomPrivate – One BedroomHome Health Aide
National Average$113,522$60,874$61,638
Alabama$95,787$55,869$44,921
Alaska$487,141$95,876$71,346
Arizona$99,068$57,830$65,140
Arkansas$81,667$46,217$50,022
California$131,349$72,570$72,846
Colorado$123,927$60,874$76,451
Connecticut$192,568$71,526$60,777
Delaware$174,521$81,419$60,777
District of Columbia$170,440$88,958$68,301
Florida$128,005$53,264$54,171
Georgia$99,587$47,177$56,034
Hawaii$185,608$93,939$89,070
Idaho$115,540$52,885$52,849
Illinois$90,252$61,330$59,445
Indiana$104,637$66,733$61,638
Iowa$95,527$62,031$70,044
Kansas$82,595$77,819$55,492
Kentucky$104,404$60,121$57,436
Louisiana$79,811$54,025$42,280
Maine$143,845$75,332$72,846
Maryland$144,961$79,805$58,795
Massachusetts$183,287$83,625$71,610
Michigan$134,454$65,757$64,441
Minnesota$151,758$64,507$81,250
Mississippi$102,084$53,151$44,921
Missouri$76,563$45,864$58,837
Montana$106,873$59,641$67,242
Nebraska$114,830$58,504$63,419
Nevada$129,200$56,443$58,134
New Hampshire$157,766$79,848$75,647
New Jersey$162,407$92,300$67,242
New Mexico$114,393$68,539$52,849
New York$179,343$63,690$70,044
North Carolina$106,028$63,078$52,189
North Dakota$183,384$50,449$75,647
Ohio$108,580$65,105$60,238
Oklahoma$70,763$50,602$60,882
Oregon$154,287$69,890$77,193
Pennsylvania$150,931$57,070$63,403
Rhode Island$134,565$66,201$75,647
South Carolina$97,908$53,264$52,849
South Dakota$100,924$53,264$74,225
Tennessee$97,444$59,656$52,189
Texas$75,347$57,754$52,849
Utah$95,527$50,981$58,134
Vermont$144,542$72,570$71,346
Virginia$117,019$67,741$58,837
Washington$132,246$82,811$83,131
West Virginia$170,980$55,072$44,921
Wisconsin$127,141$69,345$63,419
Wyoming$112,721$72,333$74,225
SOURCE: Nationwide Financial annual cost of care survey conducted by HVS, site accessed 5/7/2024
Nursing Home and Assisted Living rates based on 12 months of care in a private one bedroom. Home Health Aide Services based on 44 hours per week by 52 weeks.

National Long-Term Care Study

This national cost of care survey was conducted by HealthView Services includes hundreds of cities and states across the country. Thousands of care providers were contacted by phone, who then completed surveys of nursing homes, assisted living facilities, adult day health facilities and home care providers.

The inflation rates assumed in this report are based on publicly available cost of care surveys from 2016 to  2018. The actual future costs of care will be different from the historical cost of care. Assisted Living Facility costs are based on the costs per metro region. Nursing home rates are based on average daily rates multiplied by 365 days per year.

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The core driver of increases in the cost of care remains supply and demand. Every day until 2030, 10,000 Baby Boomers will turn 65 and seven out of ten of them will need long-term care services at some point. The level of care needed by our aging population has itself increased over the years. There is also an insufficient supply of professionals to meet this growing demand, further increasing the cost of care.

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