Senior Care Costs in Montana (2026)
Complete guide to nursing home, assisted living, and home care costs in Montana. Costs are 0.1% below the national average.
Nursing Home (Private)
$9,506/mo
National avg: $9,514
Nursing Home (Semi-Private)
$8,517/mo
National avg: $8,582
Assisted Living
$4,500/mo
National avg: $4,612
Home Health Aide
$28.00/hr
$4,928/mo (8hr/day)
Adult Day Care
$1,650/mo
National avg: $1,692
Homemaker Services
$26.00/hr
$4,576/mo (8hr/day)
Senior Care Costs by City in Montana
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Billings | $9,510/mo | $4,502/mo | $28.01/hr | $1,651/mo |
| Bozeman | $9,936/mo | $4,703/mo | $29.27/hr | $1,725/mo |
| Butte | $8,692/mo | $4,115/mo | $25.60/hr | $1,509/mo |
| Great Falls | $9,015/mo | $4,268/mo | $26.56/hr | $1,565/mo |
| Helena | $7,711/mo | $3,650/mo | $22.71/hr | $1,338/mo |
| Missoula | $10,335/mo | $4,892/mo | $30.44/hr | $1,794/mo |
Medicaid & Medicare Coverage in Montana
Montana Medicaid covers nursing home care. Big Sky waiver for home and community-based services.
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 Montana
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Montana Senior Demographics
18.9%
Population 65+
$60,560
Median Household Income
$114,072
Annual Nursing Home Cost
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Nursing Home (Private Room) in Montana
Monthly Cost
$9,506
Annual Cost
$114,072
5-Year Projection
$570,360
Total (12mo)
$114,072
vs. National Average
$35/mo lower than national average (-0.4%)
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 Montana
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey