Senior Care Costs in Maryland (2026)
Complete guide to nursing home, assisted living, and home care costs in Maryland. Costs are 15.4% above the national average.
Nursing Home (Private)
$10,982/mo
National avg: $9,514
Nursing Home (Semi-Private)
$10,068/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
$1,833/mo
National avg: $1,692
Homemaker Services
$24.00/hr
$4,224/mo (8hr/day)
Senior Care Costs by City in Maryland
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Annapolis | $12,858/mo | $5,561/mo | $30.44/hr | $2,146/mo |
| Baltimore | $10,323/mo | $4,465/mo | $24.44/hr | $1,723/mo |
| Bowie | $10,380/mo | $4,490/mo | $24.58/hr | $1,733/mo |
| College Park | $9,001/mo | $3,893/mo | $21.31/hr | $1,502/mo |
| Frederick | $10,108/mo | $4,372/mo | $23.93/hr | $1,687/mo |
| Gaithersburg | $11,325/mo | $4,898/mo | $26.81/hr | $1,890/mo |
| Hagerstown | $13,170/mo | $5,696/mo | $31.18/hr | $2,198/mo |
| Rockville | $10,521/mo | $4,550/mo | $24.91/hr | $1,756/mo |
Medicaid & Medicare Coverage in Maryland
Maryland Medicaid covers nursing homes. Community Options waiver and other HCBS programs 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 Maryland
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Maryland Senior Demographics
15.6%
Population 65+
$90,203
Median Household Income
$131,784
Annual Nursing Home Cost
Elder Care Cost Calculator
Estimate senior care costs based on your state, care type, and duration needs.
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
$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.
* 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 Maryland
Frequently Asked Questions
How much does a nursing home cost in Maryland?
What is the cost of assisted living in Maryland?
Does Maryland Medicaid cover nursing home care?
How much does a home health aide cost in Maryland?
What percentage of Maryland's population is 65 or older?
Was this data helpful?
Data verified March 2026 · Source: Genworth Cost of Care Survey