What Are U.S. Annual Long-Term Care Costs?

medication on dollar bill ltc costs

As you narrow down long-term care (LTC) options for you and your loved ones, you may have questions and concerns about the monthly costs. What type of assistance will be required immediately? What are future needs? How much will that add to a monthly payment?

Genworth’s annual Cost of Care Survey gathers the national median costs for long-term care options across the nation. Per their findings, the yearly national medians are:

  • Homemaker Services: $48,048
  • Home Health Aide: $50,336
  • Adult Day Health Care: $18,720
  • Assisted Living Community: $48,000
  • Nursing Home—Semi-Private Room: $89,297
  • Nursing Home—Private Room: $100,375

DISCLAIMER: Genworth’s survey covers 440 regions and is based on data collected from more than 15,500 completed surveys. These numbers are the national average and vary per state and region. Genworth’s cost of care calculator allows you to check the averages in your area.

Here are the monthly national averages for each service:

Homemaker Services

For anyone who needs a little help around the house, homemaker services include cooking, cleaning, and running errands. These services are entirely “hands-off,” and the provider won’t be able to offer personal care. When an individual’s abilities decline, costs may increase.  Average monthly cost: $4,004.

Home Health Aides

Home health aides offer personal care, such as bathing, dressing, meal preparation and household tasks the individual can no longer manage. They also provide transportation assistance and companionship for isolated seniors within their own home. Declining health issues will increase costs.  Average monthly cost: $4,195.

Adult Day Health Care

Adult day health care centers are community-based programs that provide health services in a protective setting. For older adults struggling with isolation and loneliness, they offer socialization and structured activities. They may also supervise the individual’s care and health needs. Adult Day Health Care is not a live-in situation but allows the senior to visit for several hours each day. Average monthly cost: $1,560.

Assisted Living Communities

Residential communities like assisted living and memory care provide personal and health care services that include activities of daily living (bathing, dressing, laundry services, and prepared meals.) In addition, assisted living options manage residents’ medications and various health care needs. Costs depend on many factors including the location of the community as well as the level of care needed. As a resident’s health declines, costs tend to increase. Memory care requires a higher level of care as the resident can do less independently.  Average monthly cost: $4,000.

Skilled Nursing (Nursing Homes)

Nursing homes provide a high level of supervision 24/7, with nursing care from registered nurses and licensed practical or vocational nurses. In addition to ADLs and housekeeping tasks, the staff can provide a higher level of medical care, including pain management, dialysis, intravenous drug therapy, and rehabilitation. Nursing homes offer two types of rooms: semi-private and private rooms. Average monthly cost (semi-private room): $7,441 (private room): $8,365.


As you weigh the costs of different LTC options, you may be curious as to what is covered by Medicare or Medicaid. If you meet certain requirements Medicare will help pay for a short stint in a nursing facility. These requirements include: a hospital admission and inpatient stay of at least three days; a move to a Medicare-certified nursing home within thirty days of your hospital stay; need for skilled care like nursing services, physical or other therapies. Medicare will only pay for a portion of the costs and will not pay for anything past 100 days.

Medicaid covers considerably more. Nursing home services are covered, as well as home and some community-based services, such as adult day health care centers, are also included. Personal care services in your home are eligible as well. Because it’s a joint federal and state government program, requirements vary from state to state. Medicaid does not pay for most assisted living and memory care facilities which are generally private-pay.

What’s Next?

As you plan for future care or need to make an immediate decision, refer to Genworth’s calculator tool to find the average costs in your area. It shows you predictions for the cost of care over the next ten, twenty, and thirty years, and will help to give you a better idea of what the best option is for you and your family.

Aegis Living communities provide assisted living, memory care, and day stay services (WA only). If you’re interested in learning more about care options in our communities, contact a Marketing Director at a community near you.

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