Board and care home cost varies by location, room type, and care level, but most families pay one bundled monthly rate. Here is what is included and how to cover it.
How much does a board and care home cost per month?
At the national median, board and care homes run about $4,500 to $5,500 a month for a shared room, with private rooms and seniors needing heavier care paying more (Genworth Cost of Care Survey, 2024). Prices swing widely by region, with high-cost metros and coastal states well above the median and rural areas below it. Most homes charge a flat monthly rate that bundles room, meals, and personal care, which makes budgeting simpler than the per-service fees common in assisted living. We never quote a fixed carrier price by phone, but an advisor can give you a realistic range for your area. Call 1-800-MEDIGAP (1-800-633-4427).
What is included in the cost, and what costs extra?
The base monthly rate typically covers the room, three meals plus snacks, housekeeping, laundry, medication assistance, help with daily activities, and 24-hour supervision. Extra fees may apply for a private room, memory care, two-person transfers, incontinence care, or higher levels of hands-on help. Always ask for an itemized written quote and a clear list of what triggers a rate increase. Comparing the all-in cost across homes, not just the advertised base rate, is the only way to budget accurately. An advisor can help you compare. Call 1-800-MEDIGAP.
How can I pay for a board and care home?
Most families pay privately from savings, Social Security, pensions, or proceeds from selling a home. Medicaid, through state Home and Community-Based Services (HCBS) waivers, may cover care costs in licensed homes for those who qualify financially, though waitlists are common (Medicaid.gov). Long-term care insurance can reimburse covered costs, and veterans or surviving spouses may qualify for the VA Aid and Attendance benefit. Original Medicare does not pay for room, board, or long-term personal care. To map out which options you qualify for, call 1-800-MEDIGAP (1-800-633-4427).