Senior Care Costs in New Jersey (2026)
Complete guide to nursing home, assisted living, and home care costs in New Jersey. Costs are 27.9% above the national average.
Nursing Home (Private)
$12,167/mo
National avg: $9,514
Nursing Home (Semi-Private)
$10,982/mo
National avg: $8,582
Assisted Living
$5,950/mo
National avg: $4,612
Home Health Aide
$27.00/hr
$4,752/mo (8hr/day)
Adult Day Care
$2,100/mo
National avg: $1,692
Homemaker Services
$25.00/hr
$4,400/mo (8hr/day)
Senior Care Costs by City in New Jersey
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Camden | $12,186/mo | $5,960/mo | $27.04/hr | $2,103/mo |
| Clifton | $14,070/mo | $6,881/mo | $31.22/hr | $2,428/mo |
| Edison | $11,369/mo | $5,560/mo | $25.23/hr | $1,962/mo |
| Elizabeth | $12,109/mo | $5,921/mo | $26.87/hr | $2,090/mo |
| Hamilton | $12,980/mo | $6,347/mo | $28.80/hr | $2,240/mo |
| Jersey City | $10,853/mo | $5,307/mo | $24.08/hr | $1,873/mo |
| Lakewood | $10,142/mo | $4,960/mo | $22.51/hr | $1,751/mo |
| Newark | $13,024/mo | $6,369/mo | $28.90/hr | $2,248/mo |
| Paterson | $12,712/mo | $6,217/mo | $28.21/hr | $2,194/mo |
| Toms River | $10,503/mo | $5,136/mo | $23.31/hr | $1,813/mo |
| Trenton | $11,768/mo | $5,755/mo | $26.11/hr | $2,031/mo |
| Woodbridge | $10,147/mo | $4,962/mo | $22.52/hr | $1,751/mo |
Medicaid & Medicare Coverage in New Jersey
New Jersey Medicaid covers nursing home care. MLTSS (Managed Long Term Services and Supports) for community options.
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 New Jersey
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
New Jersey Senior Demographics
16.6%
Population 65+
$89,296
Median Household Income
$146,004
Annual Nursing Home Cost
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Nursing Home (Private Room) in New Jersey
Monthly Cost
$12,167
Annual Cost
$146,004
5-Year Projection
$730,020
Total (12mo)
$146,004
vs. National Average
$2,626/mo higher than national average (+27.5%)
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 New Jersey
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey