Nursing home care is among the most expensive senior services in America. Here's what it costs in 2026 and what makes the price vary.
What does a nursing home cost in 2026?
The most recent national benchmark, the Genworth 2024 Cost of Care Survey, put the median nursing home cost at $9,277 per month for a semi-private room and $10,646 for a private room — about $111,000 to $128,000 per year. Costs have continued rising with inflation and staffing pressures. State variation is dramatic: Alaska, the Northeast, and parts of the West Coast run well above the median, while several Southern and Midwestern states fall below it. These figures cover room, board, nursing care, and basic services, but extras like specialized therapy or a private room raise the total. Call 1-800-MEDIGAP (1-800-633-4427) to learn how to cover these costs.
What factors affect nursing home cost?
Several factors drive nursing home pricing. Room type is the biggest single variable — private rooms cost more than semi-private. Location matters enormously, with high-cost-of-living states charging two to three times more than the cheapest regions. Level of care also affects price: residents needing memory care, intensive therapy, or one-on-one supervision pay more. Facility quality and amenities, staffing ratios, and whether the home is for-profit or nonprofit all play a role. Because costs add up fast, planning how to pay — through Medicaid, long-term care insurance, or private funds — is critical. Our specialists explain your options free at 1-800-MEDIGAP.