In-Home Care Costs: A State-by-State Guide

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Northeast States

Maine is considered to have one of the highest home care rates in the country, as shown in the following breakdown:
- Basic Companionship – (based on Genworth’s Cost of Care Survey) $43/ hour with a median of $8,199/ month and $98,384/ year.
- Personal Care – $43/hour with $8,199/ month and $98,384/ year.
- Skilled Nursing Care – approximately $70 to $80/ hour, with an estimated average of $12,300/ month and $148K for full-time care a year.

New Hampshire
- Basic – $38/ hour with a median of $7,245/ month and $86,944/ year.
- Personal – $39/ hour with a median of $7,436/ month and $89,232/ year.
- Skilled – estimated $60 to $75/ hour and $10,500 for full-time care monthly.

Vermont
- Basic – $44/ hour with a median of $8,294/ month and $99,528/ year.
- Personal – $44/ hour with a median of $8,294/ month and $99,528/ year.
- Skilled – approximately $70 to $80/ hour with an estimate of $12,300 for full-time care monthly.

Massachusetts
- Basic – $38/ hour with a median of $7,245/ monthly and $86,944/ year.
- Personal – $38/ hour with a median of $7,245/ monthly and $86,944/ year.
- Skilled – estimated $60 to $75/ hour and $10K to $13K monthly.
Rhode Island
- Basic – $38/hour with a median of $7,245/ month and $86,944/ year.
- Personal – $42/ hour with a median of $8,008/ monthly and $96,096/ year.
- Skilled – approximately $60-$70/ hour.

Connecticut
- Basic – $34/hour with a median of $6,834/month and $77,792/ year.
- Personal – $35/ hour with a median of $6,580 and $78,960/ year.
- Skilled – estimated $55 to $70/ hour.

In New York, depending on the location, such as urban areas like NYC, home care costs are higher.
- Basic – $34/hour with a median of $6,834/month and $77,792/ year.
- Personal – $36/ hour with a median of $6,600/ month and $79,200/ year.
- Skilled – approximately $60 to $75 per hour.

New Jersey
- Basic – $37/ hour with a median of $7,055/ month and $84,656/ year.
- Personal – $36/ hour with a median of $6,864/month and $82,368/ year.
- Skilled – estimated $60 to $75/ hour.

Pennsylvania
- Basic – $34/ hour with a median of $6,292/ month and $75,504/ year.
- Personal – $33/ hour with a median of $6,483/ month and $77,792/ year.
- Skilled – approximately $50 to $65/ hour.

Midwest States

Ohio
- Basic – $32/ hour with a median of $6,101/ month and $73,216/ year.
- Personal – $32/ hour with a median of $6,101/ month and $73,216/ year.
- Skilled – estimated $50 to $65/ hour.

Michigan
- Basic – $33/ hour with a median of $6,292/ month and $75,504/ year.
- Personal – $34/ hour with a median of $6,483/ month and $77,792/ year.
- Skilled – approximately $55 to $70/ hour.

Indiana
- Basic – $32/ hour with a median of $6,101/ month and $73,216/ year.
- Personal – $33/ hour with a median of $6,292/ month and $75,504/ year.
- Skilled – estimated $50 to $65/ hour.

Illinois
- Basic – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Personal – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Skilled – approximately $55 to $70/ hour.

Wisconsin
- Basic – $38/ hour with a median of $6,864/ month and $82,368/ year.
- Personal – $36/ hour with a median of $6,552/ month and $78,624/ year.
- Skilled – estimated $60 to $75/ hour.

Minnesota
- Basic – $40/ hour with a median of $7,627/month and $91,250/ year.
- Personal – $39/ hour with a median $7,452/ month and $89,424/ year.
- Skilled – approximately $55 to $70/ hour.

Iowa
- Basic – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Personal – $33/ hour with a median of $6,292/ month and $75,504/ year.
- Skilled – estimated $55 to $70/ hour.

Missouri
- Basic – $32/ hour with a median of $6,101/ month and $73,216/ year.
- Personal – $33/ hour with a median of $6,292/ month and $75,504/ year.
- Skilled – approximately $50 to $65/ hour.

North Dakota
- Basic – $40/ hour with a median of $7,627/ month and $91,520/ year.
- Personal – $40/ hour with a median of $7,627/ month and $91,520/ year.
- Skilled – estimated $60 to $75/ hour.

South Dakota is one of the most expensive states in terms of in-home care.
- Basic – $44/ hour with a median of $8,389/ month and $100,672/ year.
- Personal – $44/ hour with a median of $8,389/ month and $100,672/ year.
- Skilled – approximately $70 to $85/ hour.

Nebraska
- Basic – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Personal – $36/ hour with a median of $6,760/ month and $81,840/ year.
- Skilled – estimated $55 to $70/ hour.

Kansas
- Basic – $31/ hour with a median of $5,743/ month and $68,928/ year.
- Personal – $32/ hour with a median of $5,837/ month and $70,037/ year.
- Skilled – approximately $50 to $65/ hour.

Southern States

Delaware
- Basic – $34/hour with a median of $6,483/month and $77,792/ year.
- Personal – $34/hour with a median of $6,483/month and $77,792/ year.
- Skilled – estimated $55 to $70/ hour.

Maryland
- Basic – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Personal – $34/hour with a median of $6,483/month and $77,792/ year.
- Skilled – approximately $55 to $70/ hour.

District of Columbia
- Basic – $38/ hour with a median of $7,245/ month and $86,944/ year.
- Personal – $38/ hour with a median of $7,245/ month and $86,944/ year.
- Skilled – estimated range of $60 to $75/ hour.

Virginia
- Basic – $33/ hour with a median of $6,160/ month and $73,290/ year.
- Personal – $32/ hour with a median of $6,037/ month and $72,440/ year.
- Skilled – approximately $50 to $65/ hour.

West Virginia
- Basic – $29/ hour with a median of $5,240/month and $62,640/ year.
- Personal – $25/ hour with a median of $4,333/ month and $52,000/ year. Notably, the state’s cost for personal home care is lower than that of the other levels, reflecting a lower demand.
- Skilled – estimated $45 to $60/ hour.

North Carolina
- Basic – $30/ hour with a median of $5,720/ month and $68,640/ year.
- Personal – $30/ hour with a median of $5,720/ month and $68,640/ year.
- Skilled – approximately $50 to $65/ hour.

South Carolina
- Basic – $26/ hour with a median of $5,200/month and $62,400/ year.
- Personal – $28/ hour with a median of $5,445/month and $65,340/year.
- Skilled – estimated $45 to $60/ hour.

Georgia
- Basic – $28/ hour with a median of $5,339/month and $64,064/year.
- Personal – $29/ hour with a median of $5,520/month and $66,240/year.
- Skilled – approximately $50 to $65/ hour.

Florida
- Basic – $30/ hour with a median of $5,720/ month and $68,640/ year.
- Personal – $30/ hour with a median of $5,720/ month and $68,640/ year.
- Skilled – estimated $50 to $65/ hour.

Kentucky
- Basic – $32/ hour with a median of $6,101/ month and $73,216/ year.
- Personal – $34/ hour with a median of $6,413 and $76,960/ year.
- Skilled – approximately $50 to $65/ hour.

Tennessee
- Basic – $27/ hour with a median of $5,158/month and $61,776/ year.
- Personal – $28/ hour with a median of $5,334/month and $64,064/year.
- Skilled – estimated $45 to $60/ hour.

Alabama
- Basic – $25/ hour with a median of $4,767/ month and $57,200/ year.
- Personal – $25/ hour with a median of $4,767/ month and $57,200/ year.
- Skilled – approximately $45 to $55/ hour.

Mississippi is considered one of the cheapest states for home care.
- Basic – $23/ hour with a median of $4,290/ month and $51,480/ year.
- Personal – $25/ hour with a median of $4,475/ month and $53,343/ year.
- Skilled – estimated $40 to $50/ hour.

Arkansas
- Basic – $26/ hour with a median of $4,957/month and $59,484/ year.
- Personal – $26/ hour with a median of $4,957/month and $59,484/ year.
- Skilled – approximately $40 to $55/ hour.

Louisiana has the most affordable home care rate in the country.
- Basic – $20/ hour with a median of $3,813/ month and $45,760/ year.
- Personal – $21/ hour with a median of $3,813/ month and $45,760/ year.
- Skilled – estimated $40 to $50/ hour.

Oklahoma
- Basic – $21/ hour with a median of $3,813/ month and $45,760/ year.
- Personal – $21/ hour with a median of $3,813/ month and $45,760/ year.
- Skilled – approximately $40 to $50/ hour.

Texas
- Basic – $28/ hour with a median of $5,339/ month and $64,043/ year.
- Personal – $28/ hour with a median of $5,339/ month and $64,043/ year.
- Skilled – estimated $45 to $60/ hour.

Western States

Montana
- Basic – $40/ hour with a median of $7,627/ month and $91,520/ year.
- Personal – $40/ hour with a median of $7,627/ month and $91,520/ year.
- Skilled – approximately $65 to $80/ hour.

Idaho
- Basic – $31/ hour with a median of $5,591 and $67,092/ year.
- Personal – $34/hour with a median of $6,037/month and $72,800/ year.
- Skilled – estimated $50 to $65/ hour.

Wyoming
- Basic – $33/ hour with a median of $5,243 and $62,920/ year.
- Personal – $28/ hour with a median of $4,700/ month and $56,280/ year.
- Skilled – approximately $50 to $65/ hour.

Colorado
- Basic – $40/ hour with a median of $7,008/ month and $84,094/ year.
- Personal – $42/ hour with a median of $7,336/ month and $88,032/ year.
- Skilled – estimated $65 to $80/ hour.

New Mexico
- Basic – $28/ hour with a median of $5,333/ month and $64,000/ year.
- Personal – $28/ hour with a median of $5,333/ month and $64,000/ year.
- Skilled – approximately $45 to $60/ hour.

Arizona
- Basic – $35/ hour with a median of $6,673/ month and $80,080/ year.
- Personal – $36/ hour with a median of $6,864/ month and $82,368/ year.
- Skilled – estimated $55 to $70/ hour.

Utah
- Basic – $25/ hour with a median of $4,680/ month and $56,160/ year.
- Personal – $25/ hour with a median of $4,680/ month and $56,160/ year.
- Skilled – approximately $45 to $60/ hour.

Nevada
- Basic – $36/ hour with a median of $6,804/ month and $81,648/ year.
- Personal – $38/ hour with a median of $7,245/ month and $86,940/ year.
- Skilled – estimated $55 to $70/ hour.

California
- Basic – $38/ hour with a median of $7,245/ month and $86,940/ year.
- Personal – $39/ hour with a median of $7,438/ month and $89,256/ year.
- Skilled – approximately $60 to $80/ hour.

Oregon
- Basic – $38/ hour with a median of $7,292/ month and $87,500/ year.
- Personal – $40/ hour with a median of $7,583/ month and $91,000/ year.
- Skilled – estimated $60 to $75/ hour.

Washington
- Basic – $42/ hour with a median of $8,008/ month and $96,096/ year.
- Personal – $42/ hour with a median of $8,008/ month and $96,096/ year.
- Skilled – approximately $70 to $85/ hour.

Alaska
- Basic – $34/hour with a median of $6,483/ month and $77,200/ year.
- Personal – $34/hour with a median of $6,483/ month and $77,200/ year.
- Skilled – estimated $60 to $80/ hour.

Hawaii
- Basic – $40/hour with a median of $7,267/ month and $87,200/ year.
- Personal – $43/hour with a median of $7,733/ month and $92,800/ year.
- Skilled – approximately $65 to $80/ hour.

The hourly rates and median monthly and annual figures are from Genworth’s Cost of Care Survey 2024, used as a reference for 2025 care planning. In-home care costs are influenced by geographical location, demand, and availability, as reflected by Hawaii’s $40 to $43/ hour due to its remote location and Florida’s $30/ hour for its huge senior population and high demand for in-home care. The state’s cost of living also affects in-home care rates, as showcased by Louisiana’s $20 to $21/ hour rate for basic and personal care. Additionally, in-home skilled nursing care costs are higher due to the qualifications of the caregivers (mostly RN and LPN) required and the medical care provided. This guide aims to help seniors and families create a care plan that best adheres to their needs and budgets by comparing the state costs by level of care. However, we highly suggest reaching out to local care providers for precise quotes and personalized plans available in your proximity.

References:

Genworth Cost of Care Survey 2024 (medians by state): investor.genworth.compro.genworth.com; In-home care cost in 2025: https://elder-answers.com/how-does-in-home-care-cost-in-2025/ ; AARP Public Policy on home care costs: goinstacare.com.

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