Long-Term Care Expenses Vary Nationwide. If Relocating, Understand the Hidden Costs of Extended Care.
When you picture retirement, you may imagine sunshine, lower taxes, or a more relaxed pace of life in another state. But one crucial factor often slips under the radar: the cost of extended care in the region you choose.
According to the U.S. Department of Health and Human Services, 56% of Americans will need long-term care at some point in their lives. These costs are significant because health insurance and Medicare—including supplemental plans—only cover short-term skilled care.
That means unless you transfer the risk to an insurance company through a Long-Term Care Insurance policy, qualify for Medicaid due to limited financial resources, or pay out of pocket, you’re responsible for the bill. Without planning, families often lean on adult children—most frequently a daughter or daughter-in-law—to step in as caregivers.
Learn More: What is Long-Term Care?
Long-Term Care Costs Increasing Nationwide
The growing demand for extended care—combined with labor shortages and rising wages—is driving long-term care costs sharply upward nationwide. While prices vary by location, the overall trend is clear: higher costs that can put a serious strain on your family and your finances, not to mention the burden on your loved ones.
LTC News conducts continuous nationwide surveys to track the real cost of long-term care. The result is the most comprehensive database of care costs available in the United States. With our Long-Term Care Cost of Care Calculator, you can quickly see today’s costs and projected increases for any location across the country. This data helps you make informed decisions, plan ahead, and safeguard your assets before a crisis hits.
“At LTC News, we monitor the cost of long-term care nationwide and we’ve seen a consistent increase in the price of extended care services year after year,” said Daniel Pope, vice president of operations for LTC News.
Families can use our data in two powerful ways: first, to compare local providers against the average or median cost in their area to shop smarter for care; and second, to design Long-Term Care Insurance benefits that match the true projected costs of care where they live now—or where they plan to retire.
The cost of extended care varies widely across the country, influenced by the state you live in, the specific region within that state, and the type of service you need.
It's a hard issue. Not a lot of people plan for it, by the time they have it might be too late. You can end up really depleting your retirement and that could affect you, a spouse, and your loved ones. — Sam Brooks, Director of Public Policy at the National Consumer Voice for Quality Long-Term Care
In-Home Care: The Comfort of Home, The Cost of Care
When you think about long-term care, you probably imagine yourself at home, surrounded by familiar belongings and the people you love. For most people, this is a deeply personal fear—the idea of leaving your home as you age. Thankfully, in-home care makes it possible to get the support you need while staying right where you are.
While often more affordable than a nursing home or other facility-based care, the cost of in-home care varies dramatically depending on where you live. This can make planning for the future feel overwhelming. Based on LTC News data, here is a breakdown of the most and least expensive states for in-home care.
Older adults face significant risk — potentially incurring large out-of-pocket costs and requiring unpaid help from family members. — U.S. Department of Health and Human Services
Home healthcare services, such as those provided by a home health aide, can be a great way to maintain independence. Here’s a look at the states where you can expect to pay the most and the least for this care. Keep in mind these are median averages for a 44-hour workweek.
| Most Expensive States | State Median Monthly Cost | Least Expensive States | State Median Monthly Cost |
| Minnesota | $7,440 | Mississippi | $4,160 |
| South Dakota | $7,440 | Louisiana | $4,320 |
| Vermont | $7,200 | Alabama | $4,480 |
| Oregon | $6,880 | West Virginia | $4,640 |
| Alaska | $6,400 | Texas | $4,640 |
So, if aging in place at home appeals to you, Mississippi, Louisiana, Alabama, West Virginia, or Texas can be more affordable. However, Vermont, Hawaii, California, Alaska, and Maine are the most expensive for in-home care.
Find Quality Care: Use the LTC News Caregiver Directory to find quality caregivers and home health agencies searchable by zip code - Find home care options near you.
As you can see, the difference between the most and least expensive states is significant. In-home care is a critical part of a long-term care plan, and understanding these costs is the first step toward securing your future.
Even within a state, the cost of care can vary dramatically depending on the specific location. For example, a major metropolitan area will usually be more expensive than a rural area in the same state. This is due to factors such as higher labor costs, real estate prices, and increased demand for services. However, the scarcity of providers in a rural area can also have an impact.
Average long-term care costs can be out of reach for many Americans. — U.S. Department of Health and Human Services
You can use the LTC News Cost of Care Calculator to get a more precise look at current and future costs for any location in the United States.
Beyond Home Care: Other Long-Term Care Options
Long-term care extends far beyond just in-home assistance. As needs evolve, you may consider a variety of other services and living arrangements. Understanding the costs associated with these options is crucial for making informed decisions. Here’s a breakdown of the expenses for adult day care, assisted living, memory care, and nursing homes.
Adult Day Care
Adult day care centers provide a safe and engaging environment for older adults who need supervision during the day. This option allows family caregivers to work or take a break while ensuring their loved ones receive professional care, meals, and social interaction.
Here are the states with the highest and lowest median monthly costs for adult day care:
| Most Expensive States | State Median Monthly Cost | Least Expensive States | State Median Monthly Cost |
| Vemont | $3,760 | Alabama | $975 |
| North Dakota | $3,240 | Texas | $1,038 |
| Maine | $2,795 | Alaska | $1,383 |
| Wyoming | $2,785 | Mississippi | $1,406 |
| New Hampshire | $2,560 | North Carolina | $1,421 |
Assisted Living and Memory Care
Assisted living and memory care facilities offer residential settings with support for daily activities like bathing, dressing, and medication management. It’s important to note that the costs listed here are base rates. Many facilities have two or three levels of care, and surcharges may be added based on an individual’s specific needs.
Memory care is a specialized form of assisted living for those with cognitive impairments.
Find assisted living or memory care facilities near you: Search for quality long-term care facilities by zip code
Here is a look at the median monthly base costs for these facilities:
Assisted Living
| Most Expensive States | State Median Monthly Cost | Least Expensive States | State Median Monthly Cost |
| New Jersey | $7,196 | Missouri | $3,539 |
| Alaska | $7,101 | North Dakota | $3,837 |
| Massachusetts | $6,938 | Georgia | $3,841 |
| District of Columbia | $6,710 | South Dakota | $3,907 |
| Vermont | $6,348 | Alabama | $3,942 |
Memory Care
| Most Expensive States | State Median Monthly Cost | Least Expensive States | State Median Monthly Cost |
| District of Columbia | $7,943 | Arkansas | $4,816 |
| Alaska | $7,766 | Utah | $5,045 |
| Rhode Island | $7,458 | Mississippi | $5,108 |
| New Hampshire | $7,298 | Alabama | $5,147 |
| Vermont | $7,297 | Kentucky | $5,184 |
Nursing Homes
Nursing homes provide the highest level of care, including 24-hour medical supervision and assistance. These facilities are designed for individuals with complex medical needs or those requiring comprehensive rehabilitation services.
| Most Expensive States | State Median Monthly Cost | Least Expensive States | State Median Monthly Cost |
| Alaska | $28,566 | Louisiana | $7,198 |
| Connecticut | $17,591 | Oklahoma | $7,233 |
| Massachusetts | $15,999 | Missouri | $7,408 |
| Hawaii | $15,658 | Arkansas | $8,008 |
| New York | $15,173 | Mississippi | $8,359 |
Make Long-Term Care Part of Your Retirement Plan
You’ve probably worked hard to save for retirement, but have you factored in the physical, emotional, and financial burdens that long-term care places on you and your loved ones? Don't wait for a family crisis, as ignoring this piece of the puzzle can put your independence and your family’s well-being at risk. Adding a long-term care strategy to your retirement plan isn’t just smart — it’s essential.
For many American families, Long-Term Care Insurance is part of their comprehensive retirement plan.
Why Early Planning Matters
Most people purchase Long-Term Care Insurance between the ages of 47 and 67, when premiums are lower and underwriting is more favorable. Prices and qualification standards vary widely between insurance companies. That’s why starting early gives you the best chance to lock in affordable coverage and more flexible benefits.
But even if you’re older or have health issues, don’t assume you’re out of options. A Long-Term Care Insurance specialist can compare policies across multiple top-rated insurers to find a plan tailored to your health and budget. Taking action now protects your retirement savings and spares your loved ones from the heavy caregiving burden many families face.
What You Can Do Today
- Use the LTC News Cost of Care Calculator: See current and projected care costs of extended care in your area to understand your potential financial exposure.
- Meet With a Specialist: A certified specialist can show you accurate quotes from multiple carriers that offer long-term care solutions, explain underwriting rules, and help you find coverage even with preexisting conditions.
- Find Quality Care Services: If you have a loved one who needs extended care, the LTC News Caregiver Directory is a great resource.
- Talk With Your Family: Include loved ones in the discussion so they understand your wishes and the plan you’ve put in place.
- Relocating? Consider Long-Term Care Costs: There are a variety of considerations when you relocate after you retire. Consider the cost and availability of quality long-term care services as part of the equation.
Key Takeaway
The cost of long-term care is rising, and the emotional toll on families can be even greater. Any retirement plan should consider the consequences of long-term care. Thinking and acting on the costs and burdens of aging will reduce the stress and burden that is otherwise placed on those you love.