Senior Care Costs in Gaithersburg, MD (2026)
Compare nursing home, assisted living, and home care costs in Gaithersburg.
Nursing Home (Private)
$11,325/mo
State avg: $10,982
Assisted Living
$4,898/mo
State avg: $4,750
Home Health Aide
$26.81/hr
$4,719/mo (8hr/day)
Adult Day Care
$1,890/mo
National avg: $1,692
Cost Comparison
| Care Type | Gaithersburg | Maryland Avg | National Avg |
|---|---|---|---|
| Nursing Home (Private) | $11,325/mo | $10,982/mo | $9,514/mo |
| Assisted Living | $4,898/mo | $4,750/mo | $4,612/mo |
| Home Health Aide | $26.81/hr | $26.00/hr | $25.82/hr |
| Adult Day Care | $1,890/mo | $1,833/mo | $1,692/mo |
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Nursing Home (Private Room) in Maryland
Monthly Cost
$10,982
Annual Cost
$131,784
5-Year Projection
$658,920
Total (12mo)
$131,784
vs. National Average
Maryland$10,982/mo
National Avg$9,541/mo
$1,441/mo higher than national average (+15.1%)
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 Gaithersburg, MD?
A private room nursing home in Gaithersburg costs approximately $11,325/month ($135,900/year). This is $1,811 above the national average.
What is the cost of assisted living in Gaithersburg?
Assisted living in Gaithersburg, MD costs approximately $4,898/month ($58,776/year).
How much do home health aides charge in Gaithersburg?
Home health aides in Gaithersburg charge approximately $26.81/hour. For full-time care (8 hours/day, 22 days/month), that totals about $4,719/month.
Is Gaithersburg an affordable place for senior care?
Gaithersburg 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