Massachusetts vs New Jersey: Senior Care Cost Comparison (2026)
Side-by-side comparison of nursing home, assisted living, and home care costs.
Which State is More Affordable for Senior Care?
New Jersey has lower nursing home costs by $1,825/month ($21,900/year). Over 5 years, that's a difference of $109,500.
Detailed Cost Comparison
| Care Type | Massachusetts | New Jersey | Difference |
|---|---|---|---|
| Nursing Home (Private) | $13,992/mo | $12,167/mo | +$1,825 |
| Nursing Home (Semi-Private) | $12,167/mo | $10,982/mo | +$1,185 |
| Assisted Living | $5,750/mo | $5,950/mo | $200 |
| Home Health Aide | $30.00/hr | $27.00/hr | +$3.00 |
| Adult Day Care | $2,100/mo | $2,100/mo | $0 |
| Homemaker Services | $28.00/hr | $25.00/hr | +$3.00 |
Annual Cost Comparison
Massachusetts Annual Costs
Nursing Home (Private)$167,904/yr
Assisted Living$69,000/yr
Home Health Aide (8hr/day)$63,360/yr
Adult Day Care$25,200/yr
New Jersey Annual Costs
Nursing Home (Private)$146,004/yr
Assisted Living$71,400/yr
Home Health Aide (8hr/day)$57,024/yr
Adult Day Care$25,200/yr
Senior Care Planning Resources
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Medicare Part A Coverage
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Elder Law Attorneys
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Frequently Asked Questions
Which state has cheaper nursing homes: Massachusetts or New Jersey?
New Jersey has lower nursing home costs. Massachusetts averages $13,992/month while New Jersey averages $12,167/month, a difference of $1,825/month.
How do assisted living costs compare between Massachusetts and New Jersey?
Assisted living in Massachusetts costs $5,750/month compared to $5,950/month in New Jersey.
What about home health aide costs?
Home health aides charge $30.00/hour in Massachusetts and $27.00/hour in New Jersey.
Which state has better Medicaid coverage for senior care?
Both states offer Medicaid coverage for nursing home care. Massachusetts: MassHealth covers nursing facility care. Frail Elder waiver and Senior Care Options program available.... New Jersey: New Jersey Medicaid covers nursing home care. MLTSS (Managed Long Term Services and Supports) for community options....
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Data verified March 2026 · Source: Genworth Cost of Care Survey