Senior Care Costs in Cambridge, MA (2026)
Compare nursing home, assisted living, and home care costs in Cambridge.
Nursing Home (Private)
$11,977/mo
State avg: $13,992
Assisted Living
$4,922/mo
State avg: $5,750
Home Health Aide
$25.68/hr
$4,520/mo (8hr/day)
Adult Day Care
$1,798/mo
National avg: $1,692
Cost Comparison
| Care Type | Cambridge | Massachusetts Avg | National Avg |
|---|---|---|---|
| Nursing Home (Private) | $11,977/mo | $13,992/mo | $9,514/mo |
| Assisted Living | $4,922/mo | $5,750/mo | $4,612/mo |
| Home Health Aide | $25.68/hr | $30.00/hr | $25.82/hr |
| Adult Day Care | $1,798/mo | $2,100/mo | $1,692/mo |
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Nursing Home (Private Room) in Massachusetts
Monthly Cost
$13,992
Annual Cost
$167,904
5-Year Projection
$839,520
Total (12mo)
$167,904
vs. National Average
Massachusetts$13,992/mo
National Avg$9,541/mo
$4,451/mo higher than national average (+46.7%)
Medicare & Medicaid Coverage
- Medicare: Covers up to 100 days of skilled nursing facility care after a qualifying hospital stay (first 20 days fully covered, days 21-100 with copay).
- Medicaid: May cover nursing home and some home care costs for eligible individuals. Income and asset limits apply and vary by state.
- Long-Term Care Insurance: Can cover costs not paid by Medicare or Medicaid. Premiums depend on age and coverage level.
- VA Benefits: Veterans may qualify for Aid and Attendance benefits to help cover care costs.
Long-term care insurance quotes
Medicare supplement plans
Elder law attorneys near me
Senior living communities
Home health care agencies
Medicaid planning services
* Estimates based on Genworth Cost of Care Survey data. Actual costs may vary by facility, location, and level of care needed. Consult a certified elder care advisor or financial planner specializing in senior care for personalized guidance.
Frequently Asked Questions
How much does a nursing home cost in Cambridge, MA?
A private room nursing home in Cambridge costs approximately $11,977/month ($143,724/year). This is $2,463 above the national average.
What is the cost of assisted living in Cambridge?
Assisted living in Cambridge, MA costs approximately $4,922/month ($59,064/year).
How much do home health aides charge in Cambridge?
Home health aides in Cambridge charge approximately $25.68/hour. For full-time care (8 hours/day, 22 days/month), that totals about $4,520/month.
Is Cambridge an affordable place for senior care?
Cambridge has nursing home costs above the national average. However, costs vary by facility and care level.
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Data verified March 2026 · Source: Genworth Cost of Care Survey