Senior Care Costs in Rhode Island (2026)
Complete guide to nursing home, assisted living, and home care costs in Rhode Island. Costs are 13.8% above the national average.
Nursing Home (Private)
$10,830/mo
National avg: $9,514
Nursing Home (Semi-Private)
$9,963/mo
National avg: $8,582
Assisted Living
$5,250/mo
National avg: $4,612
Home Health Aide
$28.00/hr
$4,928/mo (8hr/day)
Adult Day Care
$2,100/mo
National avg: $1,692
Homemaker Services
$26.00/hr
$4,576/mo (8hr/day)
Senior Care Costs by City in Rhode Island
| City | Nursing Home | Assisted Living | Home Health Aide | Adult Day Care |
|---|---|---|---|---|
| Cranston | $11,605/mo | $5,626/mo | $30.00/hr | $2,250/mo |
| East Providence | $11,783/mo | $5,712/mo | $30.46/hr | $2,285/mo |
| Pawtucket | $10,180/mo | $4,935/mo | $26.32/hr | $1,974/mo |
| Providence | $11,926/mo | $5,781/mo | $30.83/hr | $2,313/mo |
| Warwick | $10,323/mo | $5,004/mo | $26.69/hr | $2,002/mo |
Medicaid & Medicare Coverage in Rhode Island
Rhode Island Medicaid covers nursing facilities. Global consumer choice compact waiver 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 Rhode Island
- Long-term care insurance
- Medicaid (income/asset eligible)
- VA benefits for veterans
- Personal savings and investments
- Reverse mortgage proceeds
Rhode Island Senior Demographics
18.0%
Population 65+
$71,169
Median Household Income
$129,960
Annual Nursing Home Cost
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Nursing Home (Private Room) in Rhode Island
Monthly Cost
$10,830
Annual Cost
$129,960
5-Year Projection
$649,800
Total (12mo)
$129,960
vs. National Average
$1,289/mo higher than national average (+13.5%)
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 Rhode Island
Frequently Asked Questions
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Data verified March 2026 · Source: Genworth Cost of Care Survey