Compare assisted living, nursing home, memory care, and in-home care costs across all 50 states. Plan your savings with inflation-adjusted projections based on Genworth 2026 data.
Select your state and care type to get an instant monthly, annual, and 5-year cost estimate with inflation adjustment.
⚠️ This is an estimate based on Genworth 2026 data. Actual costs vary by city, facility, and care level. Read full disclaimer.
Calculate how much you need to save each month to cover future senior care expenses, accounting for inflation and existing savings.
Formula used: Future Value = Current Cost × (1 + inflation)years. Consult a financial advisor for personalized planning.
Planning for senior care is one of the most important financial decisions American families face. According to the 2026 Genworth Cost of Care Survey—the most authoritative annual study of senior care pricing in the United States—the cost of long-term care continues to rise steadily (use our Monthly Cost Calculator to estimate your state's costs), outpacing general inflation in many regions. For a family with a 65-year-old parent, understanding these costs early can mean the difference between a secure retirement and financial hardship.
Each care type has vastly different cost structures:
Not sure which care type fits your situation? Our LTC Insurance Calculator can help you decide if insurance is worth buying to cover these costs.
A senior in Mississippi may pay $3,200/month for assisted living, while the same level of care in Connecticut or Massachusetts can exceed $7,500/month. Use our State Guides section below to explore costs for all 50 states, including local Medicaid waiver programs and state-specific insurance regulations.
Genworth reports that senior care costs have risen at an average annual rate of 3.2% over the past five years—higher than the general CPI. A care plan that costs $60,000 today could cost over $80,000 in ten years. Our calculators include adjustable inflation assumptions so you can model realistic future scenarios.
Have more questions? Visit our Full FAQ Library for answers to common senior care cost questions.
Data sources: 2026 Genworth Cost of Care Survey; CMS (Centers for Medicare & Medicaid Services); Administration for Community Living (ACL). All calculations are estimates. Consult a certified financial planner or elder law attorney for personalized advice.
Calculate whether long-term care insurance is worth it for you. Compare total premiums paid vs. potential insurance payout, and find your break-even point.
Open Calculator →Compare nursing home costs across states and care levels. Includes entry fees, daily rates, and memory care add-ons in a side-by-side table.
Compare Costs →Estimate the daily, weekly, and monthly cost of in-home care based on your state's hourly rate and required daily hours of assistance.
Calculate Home Care →Memory care typically costs 20–30% more than assisted living. Calculate specialized dementia care costs in your state with inflation adjustment.
Memory Care Costs →Planning to retire to another state? Calculate the total cost of a cross-state senior move, including movers, temporary housing, and tax differences.
Calculate Move Cost →Understand what Medicare and Medicaid actually cover for senior care. Estimate your out-of-pocket costs after insurance/Medicaid assistance.
Check Coverage →Click any state on the map or select from the dropdown to see 2026 senior care cost data, state Medicaid rules, and local insurance info.
The national median cost for assisted living in 2026 is $5,511 per month ($66,132/year), according to the Genworth Cost of Care Survey. However, costs vary dramatically by state: Alabama averages $3,250/month while Alaska exceeds $6,800/month. Use our Monthly Cost Estimator to get an exact figure for your state.
Medicare does NOT cover assisted living expenses. It covers up to 100 days of skilled nursing facility care following a qualifying 3-day hospital stay, with strict conditions. Long-term custodial care (help with bathing, dressing, meals) is not covered. Medicaid may cover nursing home care for those who meet low-income eligibility requirements.
The average 65-year-old has a 70% chance of needing long-term care. The average duration is 3 years. At 2026 prices, a 3-year nursing home stay could cost $350,000+. Use our Lifetime Savings Calculator to determine your personal savings target based on your state, age, and expected care type.
For many Americans, yes. A typical LTC insurance policy costs $125–$200/month for a 55-year-old. Without insurance, 3 years of nursing home care can exceed $350,000 out-of-pocket. The break-even point is typically 18–30 months of care. Use our LTC Insurance Calculator to run your numbers.