Care Cost in Vermont
2026 average monthly costs for assisted living, nursing homes, memory care, home care, and adult day services in Vermont.
Monthly Care Costs
Home Care
$8,580/mo
$102,960 per year
Home care services in Vermont 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 Vermont offer a flexible alternative to facility-based care.
Adult Day Care
$3,315/mo
$39,780 per year
Adult day care programs in Vermont offer structured daytime activities, socialization, and health monitoring — providing essential respite for family caregivers. Adult day services in Vermont are among the most affordable long-term care options available.
Assisted Living
$8,597/mo
$103,164 per year
Assisted living facilities in Vermont provide personal care, meals, and medication management for seniors who need daily support but not round-the-clock medical attention. Assisted living costs in Vermont typically cover a private room, housekeeping, and access to social activities.
Memory Care(Est.)
$10,700/mo
$128,400 per year
Memory care facilities in Vermont 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 Vermont are estimated at approximately 1.25× the assisted living rate.
Nursing Home (Semi-Private)
$14,113/mo
$169,356 per year
Skilled nursing facilities in Vermont offer 24-hour medical supervision, rehabilitation therapy, and long-term care for seniors with complex health needs. Nursing home costs in Vermont reflect round-the-clock licensed nursing staff and specialized medical equipment. This rate reflects a semi-private room.
Nursing Home (Private Room)
$15,528/mo
$186,336 per year
A private room in a Vermont nursing home offers greater privacy and comfort for residents requiring 24-hour skilled nursing care. In Vermont, a private room costs about 10% more than a semi-private room (the 2025 CareScout Cost of Care Survey).
How costs vary across Vermont
Care costs are high throughout Vermont, with Chittenden County, including Burlington, South Burlington, Essex, and Williston, the most expensive. Rutland and Windham County, including Brattleboro, are mid-range. The Northeast Kingdom, including St. Johnsbury and Newport, is generally less costly but has the fewest providers; central and southern Vermont offer moderate costs with limited options. Contact providers early in areas with a smaller selection to check openings.
Read the full Vermont planning guideAnnual Cost Breakdown
| Care Type | Monthly | Annual | National Avg | Difference |
|---|---|---|---|---|
| Home Care | $8,580 | $102,960 | $6,673 | +29% |
| Adult Day Care | $3,315 | $39,780 | $2,058 | +61% |
| Assisted Living | $8,597 | $103,164 | $6,200 | +39% |
| Memory Care(Est.) | $10,700 | $128,400 | $7,800 | +37% |
| Nursing Home (Semi-Private) | $14,113 | $169,356 | $9,581 | +47% |
| Nursing Home (Private Room) | $15,528 | $186,336 | $10,798 | +44% |
Source: CareScout 2025 Cost of Care Survey (released March 2026)
Adult day care source: Vermont Adult Services Division
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 | $8,580 | $9,947 | $11,531 |
| Adult Day Care | $3,315 | $3,843 | $4,455 |
| Assisted Living | $8,597 | $9,966 | $11,554 |
| Memory Care(Est.) | $10,700 | $12,404 | $14,380 |
| Nursing Home (Semi-Private) | $14,113 | $16,361 | $18,967 |
| Nursing Home (Private Room) | $15,528 | $18,001 | $20,868 |
* 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 Vermont can expect to pay over multi-year care periods.
| Care Type | 3 Years | 5 Years | 10 Years |
|---|---|---|---|
| Home Care | $318,239 | $546,629 | $1,180,321 |
| Adult Day Care | $122,956 | $211,197 | $456,033 |
| Assisted Living | $318,870 | $547,712 | $1,182,660 |
| Memory Care | $396,872 | $681,693 | $1,471,962 |
| Nursing Home (Semi-Private) | $523,462 | $899,134 | $1,941,477 |
| Nursing Home (Private Room) | $575,946 | $989,283 | $2,136,133 |
* Cumulative totals assume continuous care starting today with 3% annual inflation compounding each year.
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Today's Monthly Cost
$15,528/mo
NH Private Room · Vermont
Monthly Cost Today
$15,528/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 Vermont
Updated October 2026Assisted living in Vermont costs $8,597/month in 2026 — 39% above the national median of $6,200.
A semi-private nursing home room in Vermont runs $14,113/month, 47% above the national median of $9,581.
In-home care in Vermont averages $8,580/month for roughly 44 hrs/week ($45/hr) — 29% above the national median.
The most affordable long-term care option in Vermont is adult day care at $3,315/month.
Memory care in Vermont runs about $10,700/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 Vermont costs $15,528/month — 44% above the national median of $10,798.
Medicaid in Vermont can cover nursing home care for applicants under the $2,982/month income limit (2026); see the Vermont Medicaid guide for asset rules.
How to Pay for Long-Term Care in Vermont
Families in Vermont have several options to help cover the cost of senior care.
Vermont Medicaid
Vermont Medicaid is administered by the Department of Vermont Health Access (DVHA).
- Choices for Care (CFC): Offers personal care, adult day services, and other support at home, in adult foster care, or in assisted living.
- Attendant Services Program (ASP) / Medicaid Participant Directed Attendant Care (PDAC): Helps with daily personal routines and allows participants to hire certain relatives as their assistant.
- Adult Day Services Program / Adult Day Health Rehabilitation Services: Offers a supervised daytime setting with meals, medication support, and transportation.
- Assistive Community Care Services (ACCS): Offers health monitoring, routine nursing, and personal care for people who cannot live independently but do not need nursing home-level care.
- Money Follows the Person: Helps people leave institutional care and settle back into a home or community setting.
Vermont does not require a Miller Trust for Medicaid long-term care.
Read the Vermont 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 Vermont 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 Vermont.
Personal Savings & Home Equity
Many Vermont 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 Vermont
- VT Long-Term Care Ombudsman Program
- 1-800-889-2047 (ext. 3).
Help with resident rights, complaints, and care-quality concerns in nursing homes and assisted living.
- Adult Protective Services
To reach Adult Protective Services in Vermont, call the Eldercare Locator at 1-800-677-1116.
- Vermont Area Agencies on Aging
Find local aging services for benefits counseling, caregiver support, and care-planning resources.
View Vermont's Area Agencies on Aging list
Frequently Asked Questions About Vermont Care Costs
The average cost of assisted living in Vermont is $8,597 per month, or $103,164 per year. This is 39% above the national average of $6,200 per month. Assisted living facilities in Vermont typically include personal care, meals, medication management, and social activities.
Nursing home care in Vermont costs an average of $14,113 per month for a semi-private room. A private room runs $15,528 per month, or $186,336 per year. Vermont 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, Vermont is more expensive than average for long-term care, with costs approximately 41% above the national average. The most expensive option is nursing home care at $14,113 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 Vermont: (1) Medicaid — Vermont'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 Vermont is adult day care at $3,315 per month, followed by home care at $8,580 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, Vermont's Choices for Care includes assisted living for eligible seniors who need nursing home-level care. Assistive Community Care Services offers a different route for people needing assisted living-like support without that level of care. Ask which program fits the person's needs rather than assuming the two have the same requirements.
Start with your local Area Agency on Aging for benefits counseling, caregiver support, and help finding community services. LTCareNav's Vermont 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 Vermont Long-Term Care Ombudsman Program at 1-800-889-2047 (ext. 3).
Compare Nearby States
See how Vermont's long-term care costs compare to neighboring states.
Massachusetts
+2%New Hampshire
-12%New York
-5%More Vermont Long-Term Care Resources
Check Medicaid Eligibility
See Vermont's Medicaid income and asset limits, programs, and how to apply.
View Vermont 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.