Understanding Nursing Home Living Costs by Age Group in the US 2025

Nursing home care provides essential support for many Americans as they age, with over 1.3 million residents nationwide, per CMS 2025 data. Costs vary significantly by age group, location, and level of care needed, averaging $8,000-$12,000 monthly across the country. In states like Florida or California with high senior populations, expenses reflect regional living standards. This guide breaks down typical costs for different age groups, helping families plan for long-term care in 2025. Factors like private vs. shared rooms and additional services influence totals.

Costs for Residents Under 65

Younger adults under 65, often with disabilities or chronic conditions, make up 15% of nursing home residents. Monthly costs range $7,500-$10,000, lower due to fewer age-related needs but higher for specialized care. In urban areas like New York, rates climb with demand for therapy services.

Costs for Ages 65-74

This group, 25% of residents, sees averages $8,000-$11,000 monthly. Early retirement or health issues drive entry. Medicare covers short rehab stays, but long-term shifts to private pay or Medicaid. Midwest states like Ohio offer more moderate pricing.

Costs for Ages 75-84

The largest group (40%), costs $9,000-$12,000 monthly. Increased assistance with daily activities raises expenses. Southern states like Texas balance amenities with costs, while Northeast facilities add premiums for memory care.

Costs for Ages 85 and Older

Residents 85+, 20% of total, average $10,000-$13,000 monthly due to higher medical needs. Dementia care units common here. Western states like Arizona provide options with outdoor access.

Breakdown of Typical Monthly Expenses

Category Average Cost Notes
Room & Board $5,000-$8,000 Private vs. semi-private
Nursing Care $2,000-$4,000 24/7 skilled support
Therapies (PT/OT) $500-$1,500 Rehab or maintenance
Medications & Supplies $300-$800 Varies by condition
Activities & Meals $500-$1,000 Included in base for most

Totals reflect Genworth 2025 Cost of Care Survey.

Regional Variations Across the US

  • Northeast (NY, MA): $11,000-$15,000  
  • South (FL, GA): $7,500-$10,000  
  • Midwest (IL, MN): $8,000-$11,000  
  • West (CA, WA): $10,000-$14,000

Urban vs. rural gaps reach 20-30%.

Payment Sources and Planning

Private pay, long-term care insurance, or Medicaid (after asset spend-down) cover costs. Veterans benefits aid eligible residents.

Factors Influencing Individual Costs

Level of care (custodial vs. skilled), facility amenities, and contract type affect pricing.

Conclusion

Nursing home costs by age group guide planning in the US. Explore local options and financing to find suitable arrangements.

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