Compare Aging-in-Place vs Facility Care Costs and Find the Crossover Point
State-by-state prices for in-home care, assisted living and nursing home care, weighted by life expectancy, with Medicaid spend-down and VA pension estimates, and the sources behind every figure.
The headline comparison is free. No signup required.
What the comparison is built on
Published survey medians, a national life table and federal standards. See the method and sources.
State Care Costs
In-home care, assisted living and a nursing home room, priced from the CareScout 2025 survey medians for your state.
Expected Cost, Not Worst Case
Each year is weighted by the chance the person is alive for it, from the CDC 2024 life table, so the total counts only the years likely to be paid for.
The Crossover Age
The age at which a year of in-home care starts to cost more than a year of assisted living, as the need for help grows.
A Range, Not One Number
Three paths of decline against three price-growth cases from the history of medical care prices: nine scenarios, shown as a range.
Medicaid Spend-Down
Assets that must be spent first and the months it takes under each option, from the 2026 CMS resource standards and the community spouse rules.
VA Aid and Attendance
The maximum rate from the VA rate page, the net worth test and an estimated monthly payment for veterans and surviving spouses.
How It Works
Enter Your Details
State, age, and how many of the six daily activities need help. Add income and assets for the Medicaid and VA estimates.
Run the Comparison
The engine prices the four options, weights them by survival, grows and discounts them, and finds the crossover.
Read the Sources
Every figure lists its document, vintage and load date, and every assumption says whether you, a source or we chose it.
Ready to See Your Numbers?
Compare in-home care, assisted living and a nursing home in your state, and see the age at which the cheaper option changes.
Start Free Analysis