Senior Care Costs in Illinois (2026)
Complete guide to nursing home, assisted living, and home care costs in Illinois. Costs are 24.9% below the national average.
Nursing Home (Private)
$7,148/mo
National avg: $9,514
Nursing Home (Semi-Private)
$6,540/mo
National avg: $8,582
Assisted Living
$4,750/mo
National avg: $4,612
Home Health Aide
$26.00/hr
$4,576/mo (8hr/day)
Adult Day Care
$1,650/mo
National avg: $1,692
Homemaker Services
$24.00/hr
$4,224/mo (8hr/day)
Senior Care Costs by City in Illinois
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Aurora | $6,968/mo | $4,630/mo | $25.34/hr | $1,608/mo |
| Bloomington | $7,245/mo | $4,815/mo | $26.35/hr | $1,672/mo |
| Champaign | $6,124/mo | $4,070/mo | $22.28/hr | $1,414/mo |
| Chicago | $7,860/mo | $5,223/mo | $28.59/hr | $1,814/mo |
| Cicero | $7,205/mo | $4,788/mo | $26.21/hr | $1,663/mo |
| Elgin | $8,066/mo | $5,360/mo | $29.34/hr | $1,862/mo |
| Joliet | $7,531/mo | $5,005/mo | $27.39/hr | $1,738/mo |
| Naperville | $7,208/mo | $4,790/mo | $26.22/hr | $1,664/mo |
| Peoria | $6,525/mo | $4,336/mo | $23.73/hr | $1,506/mo |
| Rockford | $8,054/mo | $5,352/mo | $29.30/hr | $1,859/mo |
| Springfield | $6,848/mo | $4,550/mo | $24.91/hr | $1,581/mo |
| Waukegan | $7,540/mo | $5,010/mo | $27.42/hr | $1,740/mo |
Medicaid & Medicare Coverage in Illinois
Illinois Medicaid covers nursing facilities. Community Care Program and various HCBS waivers available.
Medicare Coverage (Federal)
- Up to 100 days skilled nursing after hospital stay
- Home health services if homebound
- Does NOT cover custodial/long-term care
How to Pay for Care in Illinois
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Illinois Senior Demographics
16.1%
Population 65+
$72,205
Median Household Income
$85,776
Annual Nursing Home Cost
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Nursing Home (Private Room) in Illinois
Monthly Cost
$7,148
Annual Cost
$85,776
5-Year Projection
$428,880
Total (12mo)
$85,776
vs. National Average
$2,393/mo lower than national average (-25.1%)
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.
* 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.
More About Illinois
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey