Assisted Living Cost Calculator

Q: What's included in the monthly fee?

Typically includes: apartment, 3 meals, housekeeping, laundry, activities, 24/7 staff, medication management, and ADL assistance.

Q: What's NOT included in assisted living costs?

Higher-level care, personal supplies, phone/cable/internet, salon services, and specialty transportation.

Q: Does Medicare cover assisted living?

No — Medicare does not cover assisted living. Medicaid covers assisted living through HCBS waivers in most states.

Select your state to see estimated monthly assisted living costs. Compare with memory care, home care, and nursing home options.

📍 Select State

🏠 Room Type

💰 Monthly Budget ($)

🏡 Estimated Monthly Assisted Living Cost:

Assisted Living Costs by State (2025 Monthly Averages)

State	Private Room	Shared Room	Annual Private	Trend
National Avg	$4,800	$3,800	$57,600	+4.2%
California	$5,800	$4,600	$69,600	+4.5%
New York	$6,000	$4,800	$72,000	+4.3%
Washington	$5,500	$4,400	$66,000	+4.1%
Florida	$4,500	$3,600	$54,000	+3.9%
Texas	$4,200	$3,400	$50,400	+3.7%
Arizona	$4,400	$3,500	$52,800	+3.8%
Illinois	$4,900	$3,900	$58,800	+4.0%
Pennsylvania	$4,700	$3,700	$56,400	+3.9%
Ohio	$4,400	$3,500	$52,800	+3.6%
North Carolina	$4,300	$3,400	$51,600	+3.7%
Georgia	$4,100	$3,300	$49,200	+3.5%
Michigan	$4,500	$3,600	$54,000	+3.8%

Data source: Genworth 2025 Cost of Care Survey, NIC MAP Data. Costs increase 3-5% annually.

What's Typically Included in Assisted Living Monthly Fees?

Accommodations
Private or shared apartment

Meals
3 daily meals + snacks

Housekeeping
Weekly cleaning & laundry

Activities
Social programs, fitness, outings

24/7 Staff
Emergency response, security

Medication Management
Reminders & monitoring

ADL Assistance
Bathing, dressing, toileting

Transportation
Medical appointments, errands

Note: Additional fees may apply for higher levels of care, specialized memory care, or premium amenities.

"We were shocked by the range of assisted living costs — from $3,500 to $7,000 in our area. This calculator helped us find an affordable community that still provides excellent care for Mom. Don't assume the most expensive is the best!" — The Peterson Family, Arizona.

Real Family Story: Finding Affordable Assisted Living

The Harris family needed to find assisted living for their father in Florida. Using our calculator, they discovered:

Private Room Average: $4,500/month

Shared Room Average: $3,600/month

Dad's Income (SS + Pension): $3,800/month

Shared Room with Medicaid Waiver: $0 out-of-pocket

They applied for a Florida Medicaid waiver, found a shared room in a quality facility, and Dad now pays nothing out-of-pocket. "The calculator showed us that assisted living was possible — we just needed to explore all options."

Key takeaway: Shared rooms can save $10,000+ annually. Medicaid waivers cover assisted living in many states for eligible seniors.

📊 Assisted Living vs Other Senior Care Options (National Averages)

Care Type	Monthly Cost	Annual Cost	Key Difference
Adult Day Care	$1,950	$23,400	Daytime only, no housing
Independent Living	$3,800	$45,600	No medical or ADL support
Assisted Living	$4,800	$57,600	ADL help + housing + meals
Home Care (44h/wk)	$5,300	$63,600	In-home care, no housing
Memory Care	$6,200	$74,400	Specialized dementia care
Nursing Home (Semi)	$8,900	$106,800	24/7 skilled nursing

Insight: Assisted living is often the most cost-effective option for seniors who need help with daily activities but don't require 24/7 medical care.

💰 Paying for Assisted Living: Financial Options

Medicaid HCBS Waivers
40+ states cover assisted living for eligible seniors

VA Aid & Attendance
Up to $2,431/month for veterans

Long-Term Care Insurance
Many policies cover assisted living

Reverse Mortgage
Use home equity to fund senior living

Private Pay
Savings, investments, retirement accounts

Family Contributions
Siblings pooling resources

Frequently Asked Questions About Assisted Living Costs

💰 How much does assisted living cost per month?

National average is $4,800/month ($57,600/year). Costs range from $3,500-$6,500 depending on state, amenities, and level of care. Use our calculator above for your state.

🏠 What's included in the monthly fee?

Typically includes: private/shared apartment, 3 meals daily, housekeeping, laundry, social activities, 24/7 staff, medication management, and assistance with daily activities (bathing, dressing, toileting).

📊 What's NOT included in assisted living costs?

Additional costs: higher-level care (tiered pricing), specialized memory care, personal supplies (incontinence products), phone/cable/internet, salon services, and transportation for non-medical outings.

🏡 Is assisted living cheaper than a nursing home?

Yes — assisted living averages $4,800/month vs nursing home $8,900/month. Assisted living is for seniors needing help with daily activities; nursing homes are for those requiring 24/7 skilled medical care.

⚖️ Does Medicare cover assisted living?

No — Medicare does NOT cover assisted living room and board. It covers only short-term skilled nursing or rehab. Medicaid covers assisted living through HCBS waivers in most states for eligible individuals.

📈 How much do assisted living costs increase annually?

Costs rise 3-5% annually (average 4%). A $4,800/month facility will cost ~$7,000/month in 10 years. Always ask about annual rate increase history before moving in.

🏢 What's the difference between assisted living and memory care?

Memory care is specialized assisted living for dementia/Alzheimer's patients. It costs 20-30% more ($6,200/month avg) and includes secured environments, specialized staff training, and cognitive programming.