Care Cost in Maryland
2026 average monthly costs for assisted living, nursing homes, memory care, home care, and adult day services in Maryland.
Monthly Care Costs
Home Care
$6,673/mo
$80,076 per year
Home care services in Maryland 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 Maryland offer a flexible alternative to facility-based care.
Adult Day Care
$2,526/mo
$30,312 per year
Adult day care programs in Maryland offer structured daytime activities, socialization, and health monitoring — providing essential respite for family caregivers. Adult day services in Maryland are among the most affordable long-term care options available.
Assisted Living
$7,173/mo
$86,076 per year
Assisted living facilities in Maryland provide personal care, meals, and medication management for seniors who need daily support but not round-the-clock medical attention. Assisted living costs in Maryland typically cover a private room, housekeeping, and access to social activities.
Memory Care(Est.)
$9,000/mo
$108,000 per year
Memory care facilities in Maryland 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 Maryland are estimated at approximately 1.25× the assisted living rate.
Nursing Home (Semi-Private)
$12,927/mo
$155,124 per year
Skilled nursing facilities in Maryland offer 24-hour medical supervision, rehabilitation therapy, and long-term care for seniors with complex health needs. Nursing home costs in Maryland reflect round-the-clock licensed nursing staff and specialized medical equipment. This rate reflects a semi-private room.
Nursing Home (Private Room)
$14,448/mo
$173,376 per year
A private room in a Maryland nursing home offers greater privacy and comfort for residents requiring 24-hour skilled nursing care. In Maryland, a private room costs about 12% more than a semi-private room (the 2025 CareScout Cost of Care Survey).
How costs vary across Maryland
Maryland’s regional landscape ranges from the Washington, D.C. suburbs, including Montgomery and Prince George’s counties, to Baltimore City and County and the Annapolis area. Western Maryland and the Eastern Shore are generally lower-cost regions, but provider availability may be more limited. These differences mean families may encounter a broader range of settings near major population centers and fewer options in outlying communities. Before choosing lower-cost care on the Eastern Shore or in Western Maryland, ask the local Area Agency on Aging for help finding providers and applying for services.
Read the full Maryland planning guideAnnual Cost Breakdown
| Care Type | Monthly | Annual | National Avg | Difference |
|---|---|---|---|---|
| Home Care | $6,673 | $80,076 | $6,673 | 0% |
| Adult Day Care | $2,526 | $30,312 | $2,058 | +23% |
| Assisted Living | $7,173 | $86,076 | $6,200 | +16% |
| Memory Care(Est.) | $9,000 | $108,000 | $7,800 | +15% |
| Nursing Home (Semi-Private) | $12,927 | $155,124 | $9,581 | +35% |
| Nursing Home (Private Room) | $14,448 | $173,376 | $10,798 | +34% |
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 | $2,526 | $2,928 | $3,395 |
| Assisted Living | $7,173 | $8,315 | $9,640 |
| Memory Care(Est.) | $9,000 | $10,433 | $12,095 |
| Nursing Home (Semi-Private) | $12,927 | $14,986 | $17,373 |
| Nursing Home (Private Room) | $14,448 | $16,749 | $19,417 |
* 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 Maryland 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 | $93,691 | $160,931 | $347,493 |
| Assisted Living | $266,052 | $456,989 | $986,765 |
| Memory Care | $333,817 | $573,387 | $1,238,099 |
| Nursing Home (Semi-Private) | $479,473 | $823,574 | $1,778,323 |
| Nursing Home (Private Room) | $535,888 | $920,477 | $1,987,562 |
* Cumulative totals assume continuous care starting today with 3% annual inflation compounding each year.
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Today's Monthly Cost
$14,448/mo
NH Private Room · Maryland
Monthly Cost Today
$14,448/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 Maryland
Updated October 2026Assisted living in Maryland costs $7,173/month in 2026 — 16% above the national median of $6,200.
A semi-private nursing home room in Maryland runs $12,927/month, 35% above the national median of $9,581.
In-home care in Maryland averages $6,673/month for roughly 44 hrs/week ($35/hr) — 0% above the national median.
The most affordable long-term care option in Maryland is adult day care at $2,526/month.
Memory care in Maryland runs about $9,000/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 Maryland costs $14,448/month — 34% above the national median of $10,798.
Medicaid in Maryland can cover nursing home care for applicants under the $2,982/month income limit (2026); see the Maryland Medicaid guide for asset rules.
How to Pay for Long-Term Care in Maryland
Families in Maryland have several options to help cover the cost of senior care.
Maryland Medicaid
Maryland Medicaid is administered by the Maryland Department of Health.
- Community Options (CO) Medicaid Waiver: Helps people live at home or in assisted living, with priority for nursing home residents moving into the community.
- Community Personal Assistance Services (CPAS): Provides personal care and nurse monitoring at home, with options to choose a caregiver and no waiting list.
- Community First Choice Program (CFC): Offers everyday support such as delivered meals, home changes, assistive devices, and emergency alerts without a waiting list.
Maryland does not require a Miller Trust for Medicaid long-term care.
Read the Maryland 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 Maryland 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 Maryland.
Personal Savings & Home Equity
Many Maryland 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 Maryland
- Maryland Long-Term Care Ombudsman Program
- 1-800-243-3425
Help with resident rights, complaints, and care-quality concerns in nursing homes and assisted living.
- Adult Protective Services
To reach Adult Protective Services in Maryland, call the Eldercare Locator at 1-800-677-1116.
- Maryland Area Agencies on Aging
Find local aging services for benefits counseling, caregiver support, and care-planning resources.
View Maryland's Area Agencies on Aging list
Frequently Asked Questions About Maryland Care Costs
The average cost of assisted living in Maryland is $7,173 per month, or $86,076 per year. This is 16% above the national average of $6,200 per month. Assisted living facilities in Maryland typically include personal care, meals, medication management, and social activities.
Nursing home care in Maryland costs an average of $12,927 per month for a semi-private room. A private room runs $14,448 per month, or $173,376 per year. Maryland nursing home costs are above 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.
Yes, Maryland is more expensive than average for long-term care, with costs approximately 20% above the national average. The most expensive option is nursing home care at $12,927 per month. Families should explore Medicaid, VA benefits, and long-term care insurance to help manage these costs.
There are several ways to pay for nursing home and long-term care in Maryland: (1) Medicaid — Maryland'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 Maryland is adult day care at $2,526 per month, followed by home care at $6,673 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, Maryland's Community Options waiver includes assisted living support for eligible residents. People applying from the community can join a registry, while nursing home residents seeking to move into the community receive priority. Separate state-plan programs, including CPAS and Community First Choice, let participants direct their personal care.
Start with your local Area Agency on Aging for benefits counseling, caregiver support, and help finding community services. LTCareNav's Maryland 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 Maryland Long-Term Care Ombudsman Program at 1-800-243-3425.
Compare Nearby States
See how Maryland's long-term care costs compare to neighboring states.
Washington D.C.
+4%Delaware
+5%Pennsylvania
-7%Virginia
-13%West Virginia
-10%More Maryland Long-Term Care Resources
Check Medicaid Eligibility
See Maryland's Medicaid income and asset limits, programs, and how to apply.
View Maryland 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.