Question 1

At what point does assisted living become cheaper than home care?

Accepted Answer

Nationally, assisted living becomes cheaper when home care exceeds 41 hours per week ($6,200/mo assisted living ÷ $35/hr home care). This crossover varies by state — use the calculator above to find your state's exact number.

Question 2

What does the national median cost of assisted living include?

Accepted Answer

The $6,200/month national median includes room, board, meals, and basic personal care. It typically does not include medication management add-ons, transportation, or specialized memory care. Source: CareScout 2025 Cost of Care Survey.

Question 3

Is home care always cheaper than assisted living?

Accepted Answer

No. Home care is cheaper at low hours (under 41 hrs/week nationally) but becomes more expensive for intensive care needs. At 44 hours/week — a common full-time schedule — home care costs approximately $6,644/month nationally, exceeding assisted living.

Question 4

Does Medicare cover home care or assisted living?

Accepted Answer

Medicare covers short-term skilled home health care after a qualifying hospital stay. It does not cover custodial (non-medical) home care or assisted living. Medicaid may cover some costs depending on your state and income.

Question 5

What is the CareScout Cost of Care Survey?

Accepted Answer

The CareScout Cost of Care Survey (formerly the Genworth Cost of Care Survey) is the most comprehensive annual study of long-term care costs in the US, conducted since 2004. It surveys providers across all 50 states. The 2025 survey was conducted July–November 2025 and published in early 2026.

Question 6

Can VA benefits cover assisted living costs?

Accepted Answer

Yes. Veterans may qualify for VA Aid and Attendance, which can provide up to $2,300/month toward home care or assisted living costs. This benefit is separate from standard VA healthcare and requires a separate application.

How many hours a week before assisted living is cheaper?

Compare your costs

5-year costs can exceed $350,000. LTC insurance exists for exactly this.

Are you or a loved one a veteran?

2026 National Medians

What each option includes

🏠 Home care (non-medical)

🏢 Assisted living

Cost crossover by state

Frequently asked questions

100% independent. No facility referrals.