2025 Data · NC
Senior Care Costs in North Carolina
Monthly medians for all major care types — and how North Carolina compares to the national average.
$3,813/mo
vs. national median
-17% ($763 less)
National: $4,576/mo
Based on 44 hours per week of non-medical in-home care. Skilled home health (nursing, therapy) is often covered by Medicare.
$3,900/mo
vs. national median
-24% ($1,200 less)
National: $5,100/mo
Private room in a community with meals, housekeeping, and daily living assistance included.
$4,900/mo
vs. national median
-21% ($1,300 less)
National: $6,200/mo
Secured memory care unit. Includes dementia-specific programming and lower staff ratios.
$7,604/mo
vs. national median
-16% ($1,430 less)
National: $9,034/mo
Semi-private room in a Medicare/Medicaid-certified skilled nursing facility. Post-acute rehab stays are often covered by Medicare (days 1–100).
$1,430/mo
vs. national median
-15% ($260 less)
National: $1,690/mo
5 days per week. Medicaid waivers may cover this in many states — eligibility varies.
Hospice care in North Carolina: Covered by Medicare
Medicare Part A covers hospice care fully for eligible individuals. There are no out-of-pocket costs for hospice services in most cases. Medicare coverage details →
How families pay for care in North Carolina
Medicaid in North Carolina
North Carolina Medicaid covers long-term nursing home care and, through HCBS waivers, may also cover assisted living and home care. Eligibility requires meeting asset and income limits. Contact your local Area Agency on Aging for current program availability.
Long-Term Care Insurance
If your parent purchased a policy, benefits typically activate when they need help with 2+ Activities of Daily Living. Review the policy's benefit amount, elimination period, and covered care types.
Veterans' Benefits
VA Aid & Attendance pays up to $2,300/month for qualifying veterans needing help with daily activities. Often overlooked and significantly underutilized.
Private Pay
Most families start paying out of pocket. Home equity (reverse mortgage), retirement accounts, and life insurance conversions are common sources.
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