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Massachusetts Cost of Care

What long-term care actually costs in Massachusetts in 2025–2026 — nursing facility care, memory care, assisted living, independent living, home health care, and Lifecare/CCRC — sourced from the CareScout 2025 Cost of Care Survey and the A Place for Mom 2026 report.

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State financial aid available for Massachusetts cost of care

* Medicare, Medicaid Eligibility Limits & Requirements

Medicare — Nursing Facility: Requires a qualifying inpatient hospital stay of at least 3 days AND a doctor-certified daily need for skilled nursing or rehabilitation care. Medicare does not pay for custodial-only nursing home stays, and coverage ends entirely after 100 days per benefit period.
Medicare — Home Health Care: Requires the patient to be doctor-certified as “homebound” and to need intermittent skilled nursing or therapy from a Medicare-certified home health agency. Ongoing non-skilled custodial help (bathing, meals, housekeeping) alone does not qualify.
Medicaid — all care types: Requires meeting Massachusetts's own Medicaid income and asset limits plus a functional (level-of-care) need determination. Nursing facility Medicaid is an entitlement once eligible; assisted living, memory care, and home health Medicaid coverage is typically delivered through a Home and Community-Based Services (HCBS) waiver, which can carry its own enrollment cap and waiting list.

Assisted living and memory care have no Medicare eligibility pathway to list here — see the estimated percentage of cost each program pays in the table below.

Last updated: August 21, 2026 Jurisdiction: Massachusetts

How to read this page: Two different, independently published surveys are cited here, and they are never averaged together. CareScout's 2025 Cost of Care Survey reports facility/agency list rates. The A Place for Mom, Cost of Long-Term Care & Senior Living Report (2026 edition; 2025 move-in data) reports actual 2025 move-in-based medians, which run lower in many markets because they reflect what people actually pay, not published rate cards. Figures reported monthly are also shown ×12 as an "equivalent annual" figure purely for comparison against the annual CareScout figures — that computed figure is labeled as such and is not itself a published annual rate.

What Medicare, Medicaid & State Aid Pay

Medicare's rules are federally uniform and identical in every state. Massachusetts's Medicaid program sets its own nursing-facility rate and Home and Community-Based Services (HCBS) waiver coverage, which can differ sharply from other states. The figures below are what each program pays once a resident meets every eligibility requirement for that program (marked with an asterisk) — not Massachusetts's full cost of care shown elsewhere on this page.

What Medicare, Massachusetts Medicaid, and other state financial assistance pay toward each type of long-term care, once eligibility requirements are met
Care Type	Medicare Pays*	Massachusetts Medicaid Pays*	State Financial Assistance
Nursing Facility	Days 1–20: $0 — Days 21–100: pay $217/day — Day 101+: $0 paid ^* Estimated ~27% of Massachusetts's $173,375/year cost (100 of 365 days) — a days-covered ceiling; the actual dollar share is lower once the day 21–100 coinsurance is subtracted. (source)	Estimated $70.86–$438.85/day (PDPM acuity-adjusted) ^* MassHealth standard payments to nursing facilities effective 10/1/2025. (source)	Home Care Program Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Assisted Living	$0 toward room, board, or personal care Estimated 0% of Massachusetts's $7,250/month cost — Medicare pays none of the residency. (source)	Estimated $50.00–$91.31/day ^* Group Adult Foster Care / Adult Foster Care (services only, never room & board). (source)	Home Care Program Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Memory Care	$0 toward room, board, or custodial dementia care Estimated 0% of Massachusetts's $9,840/month cost — Medicare pays none of the residency. (source)	$0 — not covered by Medicaid in this state The Frail Elder Waiver funds dementia support services in the member's own home, not in a licensed memory-care facility. (source)	Home Care Program Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Home Health Care	$0 for covered skilled home health visits ^* (source)	Covered ^* — no statewide dollar figure published Frail Elder Waiver. (source)	Home Care Program Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.

Nursing Facility Care

Annual cost of skilled nursing / nursing home care in Massachusetts, per CareScout's 2025 survey.

Massachusetts nursing facility care, annual cost, 2025 (CareScout)
Room Type	Massachusetts (Annual)	National Median (Annual)
Semi-Private Room	$173,375	$114,975
Private Room	$189,800	$129,575

Facility supply & occupancy: As of 2025, Massachusetts has 342 CMS-certified nursing facilities, running at an average 81% occupancy (national: 14,742 facilities, 79% occupancy). Higher occupancy can mean fewer open beds and longer waits, especially for Medicaid-pending residents. Source: KFF State Health Facts, based on CMS certified nursing facility data.

Capacity pressure, 2025–2033: This is a bed-demand model, not a verified occupancy-rate forecast — no source we could verify publishes an actual projected occupancy percentage by state for future years. Using each state's existing ratio of occupied beds to its 65+ population and Census-based population projections, Kieslich Analytics, US Nursing Bed Demand Analysis (March 2025) estimates Massachusetts will need 8,604 more occupied nursing-facility beds by 2033 just to keep pace with population aging at its current bed-to-population ratio. Existing unoccupied beds are modeled as sufficient to absorb this growth without adding new certified beds. Massachusetts's 2024 occupancy in that same dataset was 79.1% (41,327 certified beds, 32,672 occupied) — in a moderate range (75–84% occupied), which shapes how much of that added demand shows up as tighter availability versus filling already-open beds. A second, more aggressive scenario in the same report (bringing every below-average state up to the national average bed-to-population ratio) would require 8,604 more occupied beds in Massachusetts. Treat both figures as a modeled projection based on population trends and current capacity, not a guarantee.

Why Medicaid and private-pay rates differ (national context): Nationally, state Medicaid programs pay nursing facilities well below what private-pay residents are charged for comparable care. AHCA/NCAL puts typical Medicaid payment rates at 70–80% of private-pay prices, and a federal HHS/ASPE analysis found the median facility's Medicaid payment covers roughly 82 cents per dollar of its actual cost of caring for Medicaid residents. Facilities commonly offset that shortfall by charging private-pay and Medicare residents more — a pattern researchers call "cost-shifting"; one frequently cited study found a statistically significant correlation (r = 0.753) between how much a facility relies on private-pay revenue and the size of the Medicaid/Medicare shortfall it is covering. How wide this gap runs varies by state: MACPAC found state Medicaid base payment rates range from 62% to 182% of the national average after adjusting for local wages and resident acuity. Massachusetts's own published Medicaid nursing-facility rate is shown in the “What Medicare, Medicaid & State Aid Pay” table below — compare it against Massachusetts's private-pay rate in the table above to see where this state's own gap falls; a precise state-specific ratio isn't shown here because the two surveys use different methodologies (a facility list-rate survey vs. a state case-mix-adjusted Medicaid per-diem) and dividing one by the other would overstate precision the underlying data doesn't support.

Assisted Living

Assisted living pricing varies not just by state but by level of supportive care (a private studio with minimal help vs. a shared room with daily medication management and mobility assistance), and no state-level public survey breaks pricing out by care level — individual facility quotes do that, and vary by provider. What the two national surveys below do capture consistently is the difference between a facility's list rate and what residents in Massachusetts actually paid on move-in in 2025.

Massachusetts assisted living, CareScout 2025 facility list rate
Methodology	Massachusetts (Annual)	National Median (Annual)
CareScout facility rate	$113,700	$74,400

Massachusetts assisted living, A Place for Mom 2025 actual move-in median
Methodology	Massachusetts (Monthly)	National Median (Monthly)
APFM move-in-based median	$7,250/mo (≈ $87,000/yr equivalent)	$5,419/mo

Facility supply & occupancy (national context): Unlike nursing facilities, assisted living communities are licensed individually by each state rather than federally certified, so there is no single standardized facility count comparable across all 50 states and DC the way there is for nursing homes — published state-by-state counts vary by tens of percent depending on which registry or survey compiled them. What is consistently tracked nationally: the U.S. has roughly 41,465 licensed assisted living communities with nearly 1.4 million beds (AHCA/NCAL), and occupancy has been climbing as new construction stalls — averaging 88.4% in the second quarter of 2026 across the major markets NIC MAP tracks (National Investment Center for Seniors Housing & Care). Treat this as a national backdrop, not a Massachusetts-specific figure — check with Massachusetts's licensing agency (see the eligibility notes above) for a facility count specific to this state.

Memory Care

Dedicated memory care (dementia/Alzheimer's-specific) monthly median, Massachusetts vs. national, per A Place for Mom's 2026 report (2025 move-in data).

Massachusetts memory care, monthly, 2025 (A Place for Mom)
Care Type	Massachusetts (Monthly)	National Median (Monthly)
Memory care (APFM 2025 median)	$9,840/mo (≈ $118,080/yr equivalent)	$6,690/mo

Facility supply & occupancy: Memory care is rarely licensed as its own facility category — in most states, including Massachusetts (see the eligibility notes above for how this state's Medicaid program treats it), it is an add-on endorsement layered onto an existing assisted living or nursing facility license rather than a separately counted, separately licensed building type. That means there is no reliable standalone national or state-by-state memory-care facility count or occupancy rate to report here the way there is for nursing facilities. Industry trackers such as the National Investment Center for Seniors Housing & Care (NIC) follow memory-care performance mainly within continuing care retirement communities (CCRC) and major metro markets rather than as a standalone nationwide occupancy figure.

Independent Living

Independent living communities provide housing, meals, and activities with little or no hands-on care. Monthly median, Massachusetts vs. national.

Massachusetts independent living, monthly, 2025 (A Place for Mom)
Care Type	Massachusetts (Monthly)	National Median (Monthly)
Independent living (APFM 2025 median)	$3,623/mo (≈ $43,476/yr equivalent)	$3,200/mo

Home Health Care: Professional vs. Personal Care

"Personal" (non-medical) caregivers help with bathing, dressing, meals, and companionship. "Professional" home care — a private-duty licensed nurse — costs substantially more and covers skilled medical tasks. Both are shown below at CareScout's 2025 annualized rate for a typical weekly schedule, alongside A Place for Mom's blended hourly starting rate.

Massachusetts home health care, personal vs. professional, annual, 2025 (CareScout)
Care Type	Massachusetts (Annual)	National Median (Annual)
Personal / non-medical caregiver (CareScout, annual)	$91,520	$80,080
Professional / private-duty nurse (CareScout, annual)	$5,720	$4,680

Massachusetts blended home care starting hourly rate, 2025 (A Place for Mom)
Rate	Massachusetts	National
Blended home care starting rate (APFM, hourly)	$39/hr	$34/hr

Related: Adult Day Health Care

A lower-cost daytime alternative to in-home or residential care, typically used to supplement family caregiving.

Massachusetts adult day health care, annual, 2025 (CareScout)
Care Type	Massachusetts (Annual)	National Median (Annual)
Adult day health care (CareScout, annual)	$29,120	$24,700

Lifecare & Continuing Care Retirement Communities (CCRC)

A Continuing Care Retirement Community (also called a Life Care community) is a single campus offering independent living, assisted living, and nursing care, designed so a resident can move between levels of care as needs change without having to move to a different community. Most CCRCs are funded through a large upfront entrance fee plus an ongoing monthly fee — not Medicare, Medicaid, or long-term care insurance directly, although insurance and VA benefits can help offset the monthly fee once a resident needs a higher level of care.

National entrance-fee & monthly-fee figures

CCRC entrance fees and monthly fees are not published on a state-by-state basis by any survey we could verify — contract type, unit size, and specific community matter far more than which state a CCRC is in. The figures below are national, not Massachusetts-specific, and are shown alongside Massachusetts's own CCRC regulatory framework, which is state-specific.

CCRCs (also called Life Care communities) charge a large upfront entrance fee plus an ongoing monthly fee, in exchange for guaranteed access to a continuum of care — independent living through nursing care — often at little or no increase in monthly cost as a resident's needs increase. No single national number captures this well, since the fee depends heavily on contract type, unit size, and location. Two dated snapshots below show the structure and the current market average; neither is a state-specific figure, since entrance-fee data is not broken out by state in either source.

Entrance-fee ranges by CCRC contract type (2009 fee data from eight selected CCRCs, GAO-10-611, June 2010) — historical context on how CCRC contracts are structured, not a current-year price quote.
Contract Type	Reported Entrance-Fee Range	What's Included
Type A — Life Care / Extensive	$160,000–$600,000	Housing, residential services, amenities, and unlimited use of health care services as residents move from independent living to assisted living or nursing care, at little or no increase in monthly fees.
Type B — Modified	$80,000–$750,000	Same housing and residential amenities as Type A, but only some health care services are included in the initial monthly fee; additional care can be charged at market or discounted rates.
Type C — Fee-for-Service	$100,000–$500,000	Same housing, residential services, and amenities as Types A and B, but residents pay market rates for health-related services as needed.
Type D — Rental	$1,800–$30,000	Generally requires no large entrance fee; guarantees access to CCRC services and health care on an essentially pay-as-you-go basis.

Current national CCRC entrance-fee and monthly-fee averages (National Investment Center for Seniors Housing & Care data, end of 2024, as reported by Where You Live Matters).
Figure	National Average	Notes
Average entrance fee (entrance-fee model)	$300,000	Typical range $50,000–$500,000, higher in high-cost urban areas
Average monthly fee — entrance-fee model	$4,166	Independent-living level, asking rate
Average monthly fee — rental model	$3,747	Independent-living level, asking rate; rental CCRCs run higher than entrance-fee CCRCs at the assisted living, memory care, and nursing care levels

Massachusetts's CCRC regulatory framework

Massachusetts has a CCRC-specific statutory framework: Mass. Gen. Laws ch. 93, § 76 (sale of life leases and long-term leases in nursing homes, retirement homes and homes for the aged / continuing care contracts); filings go to the Executive Office of Aging and Independence (formerly the Executive Office of Elder Affairs). Note: this is a disclosure statute only - there is no CCRC licensing or solvency regulator..

Massachusetts regulates continuing care contracts through a disclosure statute rather than licensure: under M.G.L. c. 93, § 76 providers must deliver a disclosure statement before or at contract execution or before any transfer of money or property, covering provider identity and structure, management and experience, affiliations, facility property, certified financial statements, and proposed financing and operating information, and must file those disclosures, contracts and marketing materials (plus the facility's building permit within 30 days of issuance) with the Executive Office of Aging and Independence, which makes them public. Contracts must disclose reserve funding or security arrangements such as escrow accounts, trusts or reserve funds, how funds are invested and who makes investment decisions, and the statute provides pre-occupancy rescission refunds (less requested costs and an optional service charge capped at 1% of the entrance fee) and automatic cancellation with refund if the unit is unavailable. The February 2026 50-state survey emphasizes that the Massachusetts statute operates without licensing or solvency oversight, and the Legislature created a Special Commission on Continuing Care Retirement Communities to examine the gap.

A Hypothetical Massachusetts Case Study

CASE STUDY

Meet Norbert, a 74-year-old retired postal worker in Massachusetts. This is a hypothetical scenario built entirely from Massachusetts's own 2025–2026 cost-of-care figures on this page, used to illustrate how a family's financial exposure can grow as care needs progress — it does not describe a real individual. At 74, Norbert lost the ability to cook, dress, and manage medications independently, related to advanced rheumatoid arthritis that limited hand and joint function. Over the years that followed, his care needs moved through 3 stages:

Adult day health care — ages 74–77 (3 years)

Attended a day program on weekdays while family provided care at home in the evenings and on weekends.

$29,120/year × 3 yr = $87,360
In-home personal care — ages 77–81 (4 years)

The family could no longer manage care alone, so a part-time home caregiver was added.

$91,520/year × 4 yr = $366,080
Assisted living — ages 81–82 (1 year)

Needs eventually exceeded what part-time in-home help could safely cover.

$87,000/year × 1 yr = $87,000

$540,440

Illustrative total cost of care across 8 years (ages 74–82), computed directly from the Massachusetts figures shown elsewhere on this page. Actual costs depend on the specific provider, level of care, and region within Massachusetts.

If the family's income and assets fell within program limits, Massachusetts's Frail Elder Waiver (FEW) and/or Home Care Program could have offset some of the community-based or residential-care costs above — see the financial-aid summary at the top of this page for eligibility details and how to apply.

This case study is a hypothetical illustration created for educational purposes only. It does not describe any real person, and it is not a prediction, guarantee, or professional recommendation about any individual's future care needs, costs, or eligibility for financial assistance. Care progression, duration, and provider pricing vary widely by individual circumstances. Consult a qualified elder-law attorney, financial advisor, or benefits counselor for guidance specific to your situation.

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