Care Cost in Indiana
2026 average monthly costs for assisted living, nursing homes, memory care, home care, and adult day services in Indiana.
Monthly Care Costs
Home Care
$6,673/mo
$80,076 per year
Home care services in Indiana include personal care aides and home health aides who help seniors age in place with assistance for bathing, meals, and mobility. In-home caregivers in Indiana offer a flexible alternative to facility-based care.
Adult Day Care
$2,752/mo
$33,024 per year
Adult day care programs in Indiana offer structured daytime activities, socialization, and health monitoring — providing essential respite for family caregivers. Adult day services in Indiana are among the most affordable long-term care options available.
Assisted Living
$5,639/mo
$67,668 per year
Assisted living facilities in Indiana provide personal care, meals, and medication management for seniors who need daily support but not round-the-clock medical attention. Assisted living costs in Indiana typically cover a private room, housekeeping, and access to social activities.
Memory Care(Est.)
$7,000/mo
$84,000 per year
Memory care facilities in Indiana provide specialized support for seniors with Alzheimer's disease and other forms of dementia. These secured communities offer structured routines, cognitive therapies, and 24-hour supervision. Memory care costs in Indiana are estimated at approximately 1.25× the assisted living rate.
Nursing Home (Semi-Private)
$8,943/mo
$107,316 per year
Skilled nursing facilities in Indiana offer 24-hour medical supervision, rehabilitation therapy, and long-term care for seniors with complex health needs. Nursing home costs in Indiana reflect round-the-clock licensed nursing staff and specialized medical equipment. This rate reflects a semi-private room.
Nursing Home (Private Room)
$10,326/mo
$123,912 per year
A private room in a Indiana nursing home offers greater privacy and comfort for residents requiring 24-hour skilled nursing care. In Indiana, a private room costs about 15% more than a semi-private room (the 2025 CareScout Cost of Care Survey).
How costs vary across Indiana
Indianapolis, Carmel, Fishers, and Greenwood form Indiana's most concentrated care market, where demand can push costs above statewide levels. Fort Wayne offers a substantial range of facilities, while South Bend and Lafayette provide additional northern and north-central options. Around Evansville, Bloomington, and Terre Haute, the practical search may extend into surrounding rural communities with fewer providers. Families weighing a facility against care at home should compare local service availability and consider whether a supported family-care arrangement fits the person's needs.
Read the full Indiana planning guideAnnual Cost Breakdown
| Care Type | Monthly | Annual | National Avg | Difference |
|---|---|---|---|---|
| Home Care | $6,673 | $80,076 | $6,673 | 0% |
| Adult Day Care | $2,752 | $33,024 | $2,058 | +34% |
| Assisted Living | $5,639 | $67,668 | $6,200 | -9% |
| Memory Care(Est.) | $7,000 | $84,000 | $7,800 | -10% |
| Nursing Home (Semi-Private) | $8,943 | $107,316 | $9,581 | -7% |
| Nursing Home (Private Room) | $10,326 | $123,912 | $10,798 | -4% |
Source: CareScout 2025 Cost of Care Survey (released March 2026)
Cost Projections
Estimated future monthly costs based on a 3% annual care cost inflation rate.
| Care Type | Today | In 5 Years | In 10 Years |
|---|---|---|---|
| Home Care | $6,673 | $7,736 | $8,968 |
| Adult Day Care | $2,752 | $3,190 | $3,698 |
| Assisted Living | $5,639 | $6,537 | $7,578 |
| Memory Care(Est.) | $7,000 | $8,115 | $9,407 |
| Nursing Home (Semi-Private) | $8,943 | $10,367 | $12,019 |
| Nursing Home (Private Room) | $10,326 | $11,971 | $13,877 |
* Projections are estimates based on historical care cost inflation trends. Actual costs may vary.
Total Cost of Care Over Time
Cumulative cost if care begins today, including 3% annual inflation. These totals show what families in Indiana can expect to pay over multi-year care periods.
| Care Type | 3 Years | 5 Years | 10 Years |
|---|---|---|---|
| Home Care | $247,507 | $425,134 | $917,982 |
| Adult Day Care | $102,074 | $175,329 | $378,583 |
| Assisted Living | $209,155 | $359,259 | $775,738 |
| Memory Care | $259,636 | $445,967 | $962,966 |
| Nursing Home (Semi-Private) | $331,703 | $569,755 | $1,230,258 |
| Nursing Home (Private Room) | $383,000 | $657,866 | $1,420,512 |
* Cumulative totals assume continuous care starting today with 3% annual inflation compounding each year.
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Your Cost Estimate
Today's Monthly Cost
$10,326/mo
NH Private Room · Indiana
Monthly Cost Today
$10,326/mo
3% inflation · 3 years of care
Don't rush to sell the home
Bridge loans, HELOCs, and reverse mortgages can fund care without selling.
Care costs rise 3–5% annually
Factor long-term inflation into all planning models.
Medicaid lookback is 5 years
Planning must begin well before care is needed to protect assets.
Source: CareScout 2025 Cost of Care Survey (updated March 2026)
* AK NH Private Room: A Place For Mom. ADC — DE: Genworth; DC: PayingForSeniorCare; ID: MedicaidLongTermCare.org; SD: Genworth; VT: VT Adult Services Div.; WV: CareCostIndex.com.
Key Insights for Indiana
Updated October 2026Assisted living in Indiana costs $5,639/month in 2026 — 9% below the national median of $6,200.
A semi-private nursing home room in Indiana runs $8,943/month, 7% below the national median of $9,581.
In-home care in Indiana averages $6,673/month for roughly 44 hrs/week ($35/hr) — 0% above the national median.
The most affordable long-term care option in Indiana is adult day care at $2,752/month.
Memory care in Indiana runs about $7,000/month — roughly 25% above the assisted living rate, the typical industry markup (CareScout does not publish memory care data separately).
A private nursing home room in Indiana costs $10,326/month — 4% below the national median of $10,798.
Medicaid in Indiana can cover nursing home care for applicants under the $2,982/month income limit (2026); see the Indiana Medicaid guide for asset rules.
How to Pay for Long-Term Care in Indiana
Families in Indiana have several options to help cover the cost of senior care.
Indiana Medicaid
Indiana Medicaid is administered by the Family and Social Services Administration (FSSA) Office of Medicaid Policy and Planning (OMPP).
- Pathways for Aging: Coordinates nursing home and community care for adults aged 60 and older, including support at home, in assisted living, or in adult foster care.
- Indiana Structured Family Caregiving (SFC): Allows an eligible person to receive care in a shared home from a paid family caregiver through Pathways for Aging or PACE.
Indiana requires a Miller Trust (Qualified Income Trust) if your income is over the limit for nursing home or waiver Medicaid.
Read the Indiana Medicaid guideVeterans Benefits
The VA Aid and Attendance benefit can provide up to $2,424/month for single veterans (or $2,874/month with a spouse) in Indiana to help pay for assisted living, nursing home care, or in-home caregivers.
Long-Term Care Insurance
Long-term care insurance policies purchased before care is needed can cover a significant portion of assisted living, nursing home, and home care costs in Indiana.
Personal Savings & Home Equity
Many Indiana families use a combination of retirement savings, Social Security income, and home equity (through reverse mortgages or home sales) to fund long-term care.
Who to call in Indiana
- Indiana Long-Term Care Ombudsman Program
- 1-800-622-4484
Help with resident rights, complaints, and care-quality concerns in nursing homes and assisted living.
- Adult Protective Services
To reach Adult Protective Services in Indiana, call the Eldercare Locator at 1-800-677-1116.
- Indiana Area Agencies on Aging
Find local aging services for benefits counseling, caregiver support, and care-planning resources.
View Indiana's Area Agencies on Aging list- Indiana Veterans’ Home
- (765) 463-1502
Contact the veterans home or state office about care options for veterans.
Frequently Asked Questions About Indiana Care Costs
The average cost of assisted living in Indiana is $5,639 per month, or $67,668 per year. This is 9% below the national average of $6,200 per month. Assisted living facilities in Indiana typically include personal care, meals, medication management, and social activities.
Nursing home care in Indiana costs an average of $8,943 per month for a semi-private room. A private room runs $10,326 per month, or $123,912 per year. Indiana nursing home costs are below the national average of $9,581 per month for a semi-private room. Medicare only covers short rehab stays. For long stays, most families pay privately until savings run low, then Medicaid steps in.
Indiana long-term care costs are close to the national average. Monthly costs range from $2,752 for the most affordable option to $8,943 for the most expensive. Planning early can help families in Indiana prepare financially.
There are several ways to pay for nursing home and long-term care in Indiana: (1) Medicaid — Indiana's Medicaid program covers nursing home care for eligible residents who meet income and asset limits. (2) Medicare — covers short-term skilled nursing after a hospital stay, but not long-term custodial care. (3) Long-term care insurance — if purchased in advance, policies can help cover assisted living, nursing home, and home care costs. (4) Veterans benefits — the VA Aid and Attendance benefit helps eligible veterans and surviving spouses pay for care. (5) Personal savings and assets — many families use a combination of savings, home equity, and retirement funds.
The most affordable long-term care option in Indiana is adult day care at $2,752 per month, followed by assisted living at $5,639 per month. Adult day care provides daytime supervision, activities, and meals while allowing seniors to return home in the evening — making it a popular choice for families with a caregiver at home.
Yes, Pathways for Aging includes assisted living services for eligible adults aged 60 and older who need nursing home-level care. Community benefits may also include help with daily tasks, delivered meals, and respite. People who prefer living with family can explore Structured Family Caregiving through Pathways or PACE.
Start with your local Area Agency on Aging for benefits counseling, caregiver support, and help finding community services. LTCareNav's Indiana Area Agencies on Aging list helps you find local care-planning resources. For questions about resident rights or concerns about nursing home or assisted living care, contact the Indiana Long-Term Care Ombudsman Program at 1-800-622-4484.
Compare Nearby States
See how Indiana's long-term care costs compare to neighboring states.
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+1%More Indiana Long-Term Care Resources
Check Medicaid Eligibility
See Indiana's Medicaid income and asset limits, programs, and how to apply.
View Indiana Medicaid GuideGet a Personalized Plan
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Create Free AccountSource: CareScout Cost of Care Survey, July–November 2025, released March 2026 (Genworth/CareScout). Monthly NH figures = annual ÷ 12 (365-day basis). Non-medical caregiver = 44 hrs/week × 52 weeks ÷ 12. Memory care is an estimate (assisted living x 1.25). CareScout does not publish memory care data.