Care Cost in New Hampshire
2026 average monthly costs for assisted living, nursing homes, memory care, home care, and adult day services in New Hampshire.
Monthly Care Costs
Home Care
$7,627/mo
$91,524 per year
Home care services in New Hampshire 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 New Hampshire offer a flexible alternative to facility-based care.
Adult Day Care
$2,015/mo
$24,180 per year
Adult day care programs in New Hampshire offer structured daytime activities, socialization, and health monitoring — providing essential respite for family caregivers. Adult day services in New Hampshire are among the most affordable long-term care options available.
Assisted Living
$8,025/mo
$96,300 per year
Assisted living facilities in New Hampshire provide personal care, meals, and medication management for seniors who need daily support but not round-the-clock medical attention. Assisted living costs in New Hampshire typically cover a private room, housekeeping, and access to social activities.
Memory Care(Est.)
$10,000/mo
$120,000 per year
Memory care facilities in New Hampshire 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 New Hampshire are estimated at approximately 1.25× the assisted living rate.
Nursing Home (Semi-Private)
$12,243/mo
$146,916 per year
Skilled nursing facilities in New Hampshire offer 24-hour medical supervision, rehabilitation therapy, and long-term care for seniors with complex health needs. Nursing home costs in New Hampshire reflect round-the-clock licensed nursing staff and specialized medical equipment. This rate reflects a semi-private room.
Nursing Home (Private Room)
$13,444/mo
$161,328 per year
A private room in a New Hampshire nursing home offers greater privacy and comfort for residents requiring 24-hour skilled nursing care. In New Hampshire, a private room costs about 10% more than a semi-private room (the 2025 CareScout Cost of Care Survey).
How costs vary across New Hampshire
Manchester and Nashua are generally the highest-cost areas, reflecting proximity to the Boston metro area. Concord, Dover, and Portsmouth are mid-to-high-range markets, while northern New Hampshire and the Upper Valley generally have lower costs but fewer providers. Home care and specialized memory care can be particularly limited in these areas. Keene, Laconia, and the Lakes Region offer mid-range options. Before planning care in the north or Upper Valley, check home care and specialized memory care availability locally.
Read the full New Hampshire planning guideAnnual Cost Breakdown
| Care Type | Monthly | Annual | National Avg | Difference |
|---|---|---|---|---|
| Home Care | $7,627 | $91,524 | $6,673 | +14% |
| Adult Day Care | $2,015 | $24,180 | $2,058 | -2% |
| Assisted Living | $8,025 | $96,300 | $6,200 | +29% |
| Memory Care(Est.) | $10,000 | $120,000 | $7,800 | +28% |
| Nursing Home (Semi-Private) | $12,243 | $146,916 | $9,581 | +28% |
| Nursing Home (Private Room) | $13,444 | $161,328 | $10,798 | +25% |
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 | $7,627 | $8,842 | $10,250 |
| Adult Day Care | $2,015 | $2,336 | $2,708 |
| Assisted Living | $8,025 | $9,303 | $10,785 |
| Memory Care(Est.) | $10,000 | $11,593 | $13,439 |
| Nursing Home (Semi-Private) | $12,243 | $14,193 | $16,454 |
| Nursing Home (Private Room) | $13,444 | $15,585 | $18,068 |
* 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 New Hampshire can expect to pay over multi-year care periods.
| Care Type | 3 Years | 5 Years | 10 Years |
|---|---|---|---|
| Home Care | $282,892 | $485,913 | $1,049,220 |
| Adult Day Care | $74,738 | $128,375 | $277,197 |
| Assisted Living | $297,654 | $511,270 | $1,103,972 |
| Memory Care | $370,908 | $637,096 | $1,375,666 |
| Nursing Home (Semi-Private) | $454,103 | $779,997 | $1,684,227 |
| Nursing Home (Private Room) | $498,649 | $856,512 | $1,849,445 |
* Cumulative totals assume continuous care starting today with 3% annual inflation compounding each year.
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Today's Monthly Cost
$13,444/mo
NH Private Room · New Hampshire
Monthly Cost Today
$13,444/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 New Hampshire
Updated October 2026Assisted living in New Hampshire costs $8,025/month in 2026 — 29% above the national median of $6,200.
A semi-private nursing home room in New Hampshire runs $12,243/month, 28% above the national median of $9,581.
In-home care in New Hampshire averages $7,627/month for roughly 44 hrs/week ($40/hr) — 14% above the national median.
The most affordable long-term care option in New Hampshire is adult day care at $2,015/month.
Memory care in New Hampshire runs about $10,000/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 New Hampshire costs $13,444/month — 25% above the national median of $10,798.
Medicaid in New Hampshire can cover nursing home care for applicants under the $2,982/month income limit (2026); see the New Hampshire Medicaid guide for asset rules.
How to Pay for Long-Term Care in New Hampshire
Families in New Hampshire have several options to help cover the cost of senior care.
New Hampshire Medicaid
New Hampshire Medicaid is administered by the New Hampshire Department of Health and Human Services (DHHS).
- Choices for Independence Program (CFI): Supports people who need nursing home-level care at home, in assisted living, residential care, or adult family care with services such as respite and home health aides.
- Personal Care Attendant Services (PCAS): Provides daily personal care for adults with physical disabilities who mostly use wheelchairs, with options to hire relatives as caregivers.
New Hampshire does not require a Miller Trust for Medicaid long-term care.
Read the New Hampshire 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 New Hampshire 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 New Hampshire.
Personal Savings & Home Equity
Many New Hampshire 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 New Hampshire
- NH Long-Term Care Ombudsman Program
- (603) 271-4704
Help with resident rights, complaints, and care-quality concerns in nursing homes and assisted living.
- Adult Protective Services
To reach Adult Protective Services in New Hampshire, call the Eldercare Locator at 1-800-677-1116.
- New Hampshire Area Agencies on Aging
Find local aging services for benefits counseling, caregiver support, and care-planning resources.
View New Hampshire's Area Agencies on Aging list
Frequently Asked Questions About New Hampshire Care Costs
The average cost of assisted living in New Hampshire is $8,025 per month, or $96,300 per year. This is 29% above the national average of $6,200 per month. Assisted living facilities in New Hampshire typically include personal care, meals, medication management, and social activities.
Nursing home care in New Hampshire costs an average of $12,243 per month for a semi-private room. A private room runs $13,444 per month, or $161,328 per year. New Hampshire 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, New Hampshire is more expensive than average for long-term care, with costs approximately 22% above the national average. The most expensive option is nursing home care at $12,243 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 New Hampshire: (1) Medicaid — New Hampshire'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 New Hampshire is adult day care at $2,015 per month, followed by home care at $7,627 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, New Hampshire's Choices for Independence program includes support in assisted living and residential care homes. It serves eligible seniors and adults with disabilities who need nursing home-level care, and also supports home and adult family care settings. A waiting list may apply, so check program availability before choosing a care setting.
Start with your local Area Agency on Aging for benefits counseling, caregiver support, and help finding community services. LTCareNav's New Hampshire 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 New Hampshire Long-Term Care Ombudsman Program at (603) 271-4704.
Compare Nearby States
See how New Hampshire's long-term care costs compare to neighboring states.
Massachusetts
+16%Maine
+9%Vermont
+14%More New Hampshire Long-Term Care Resources
Check Medicaid Eligibility
See New Hampshire's Medicaid income and asset limits, programs, and how to apply.
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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.