Care costs vary dramatically by state, city, and care type. Use our interactive cost map to see exactly what care costs near you — then understand what it means for your retirement.
Avg. annual nursing home cost (private room)
Of Americans over 65 will need long-term care
Average length of a long-term care need
The Nationwide Financial LTC Cost Map lets you look up real care costs by state and county — including nursing home, assisted living, memory care, and home care rates. It's free, interactive, and updated annually. No personal information required.
Click your state, drill down to your county, and see exactly what care costs near you across every care setting. Powered by Nationwide Financial — no sales pitch, just data.
County-level cost data across the entire United States
Nursing home, assisted living, memory care, home health aide
Current cost data so you're working with real numbers
Opens in a new tab · Provided by Nationwide Financial · Free to use
Here's a snapshot of average annual long-term care costs in the states we serve most. These figures are based on current industry data — use the map above for county-level precision.
| State | Home Health Aide | Assisted Living | Memory Care | Nursing Home (Private) |
|---|---|---|---|---|
| Arizona | $61,776 | $54,000 | $69,600 | $100,380 |
| California | $68,640 | $60,000 | $78,000 | $117,000 |
| Utah | $57,200 | $48,000 | $62,400 | $89,060 |
| Texas | $56,056 | $45,600 | $60,000 | $84,680 |
| Colorado | $62,920 | $52,800 | $68,400 | $101,400 |
| Florida | $57,200 | $48,000 | $64,800 | $103,300 |
| New York | $75,504 | $72,000 | $91,200 | $157,080 |
| New Jersey | $72,930 | $66,000 | $84,000 | $146,000 |
| Pennsylvania | $62,920 | $51,600 | $67,200 | $128,480 |
| Massachusetts | $74,256 | $67,200 | $85,200 | $158,040 |
| Connecticut | $70,304 | $60,000 | $79,200 | $152,360 |
Most retirement projections don't account for long-term care costs. Here's what that gap actually looks like.
A 3-year care need at the average nursing home rate in Arizona exceeds $300,000 — paid entirely out of pocket without LTC insurance coverage.
7 out of 10 Americans who reach age 65 will need some form of long-term care. This isn't a remote risk — it's a retirement planning fundamental.
Medicare does not cover assisted living, memory care, or ongoing custodial home care — the most common types of long-term care needed.
Long-term care costs have increased 3–5% annually for the past decade. A policy purchased today with inflation protection grows with those costs.
A free consultation with our advisors takes 20 minutes. We'll show you exactly what LTC insurance would cost for your age and health — and what it protects.