Senior Care Costs 2025
Senior Care Costs in New Jersey
In New Jersey, the median cost of assisted living is $8,710 per month, 40% above the U.S. median of $6,200. A semi-private nursing home room has a median of $12,775 per month, and non-medical in-home care averages $38 per hour, or $7,245 per month at 44 hours a week. For assisted living, New Jersey ranks 5th highest among 50 states.
Median monthly costs in New Jersey
Assisted living
$8,710 /mo
+40% vs national
Nursing home (semi-private)
$12,775 /mo
+33% vs national
Nursing home (private)
$14,448 /mo
+34% vs national
In-home care (non-medical)
$7,245 /mo
+9% vs national
Other care options in New Jersey
Adult day health care
$100 /day
Non-medical caregiver
$38 /hour
Private duty nurse (in the home)
$105 /hour
How New Jersey compares
| Monthly median | New Jersey | U.S. median | Lowest state | Highest state |
|---|---|---|---|---|
| Assisted living | $8,710 | $6,200 | Mississippi $4,369 | Hawaii $12,096 |
| Nursing home (semi-private) | $12,775 | $9,581 | Texas $5,627 | Alaska $27,831 |
| Nursing home (private) | $14,448 | $10,798 | Texas $7,604 | Oregon $18,448 |
| In-home care (non-medical) | $7,245 | $6,673 | Mississippi $4,576 | Wyoming $8,771 |
What two years of care could cost
Illustrative totals using the New Jersey monthly median multiplied by 24 months. Actual costs depend on the community, the level of care, and annual price increases.
| Care type | Two-year estimate |
|---|---|
| Assisted living | $209,040 |
| Nursing home (semi-private) | $306,600 |
| Nursing home (private) | $346,752 |
| In-home care (44 hours a week) | $173,880 |
States with similar costs
These states have median assisted living, nursing home, and in-home care costs closest to New Jersey.
- New Hampshire Assisted living $8,025/mo · Nursing home $12,243/mo
- Rhode Island Assisted living $7,780/mo · Nursing home $12,106/mo
- Massachusetts Assisted living $9,600/mo · Nursing home $14,448/mo
- Maryland Assisted living $7,172/mo · Nursing home $12,927/mo
Paying with Medicaid in New Jersey
Medicaid can help pay for nursing home care when a person's income and assets are within the limits set by their state. Rules differ from state to state and change over time, so confirm the current figures with the agency before making decisions.
- Monthly income limit for nursing home Medicaid
- $2,982/month Source: www.nj.gov · effective January 1, 2026 · verified October 10, 2026
- Countable asset limit (single applicant)
- $2,000 Source: www.nj.gov · verified October 10, 2026
- Home equity limit
- $1,130,000 Source: www.nj.gov · effective January 1, 2026 · verified October 10, 2026
- Minimum assets the at-home spouse may keep
- $32,532 Source: www.nj.gov · effective January 1, 2026 · verified October 10, 2026
Apply or get help: New Jersey Division of Medical Assistance and Health Services →
This is general information, not legal or financial advice. An elder law attorney or your state agency can explain how the rules apply to a specific situation.
Frequently asked questions about costs in New Jersey
How much does assisted living cost in New Jersey?
The median cost of assisted living in New Jersey is $8,710 per month ($104,520 per year) for a private one-bedroom unit, according to the 2025 CareScout Cost of Care Survey. That is 40% above the U.S. median of $6,200 per month.
How much does a nursing home cost in New Jersey?
A semi-private nursing home room in New Jersey has a median cost of $12,775 per month ($153,300 per year), compared with $9,581 nationally. A private room has a median of $14,448 per month ($173,375 per year).
How much does in-home care cost in New Jersey?
Non-medical in-home care in New Jersey has a median rate of $38 per hour, which comes to $7,245 per month ($86,944 per year) at 44 hours of care a week. The U.S. median is $35 per hour. Adult day health care has a median of $100 per day, or $26,000 per year at five days a week.
Is senior care in New Jersey more expensive than the national average?
New Jersey is above the U.S. median for 4 of the 4 care types with 2025 data (assisted living, nursing home semi-private and private rooms, and in-home care). Costs also vary widely by city and county within a state, so use these figures as a starting point.
Methodology and sources
Data source: CareScout Cost of Care Survey 2025, published by CareScout (Genworth) in March 2026. Rates were collected from long-term care providers between July–November 2025.
How figures are calculated: Assisted living is the median monthly rate for a private one-bedroom unit. Nursing home figures are median monthly rates for semi-private and private rooms. In-home care assumes 44 hours of non-medical care per week, and adult day health care assumes five days per week. Annual figures are the reported annual medians; monthly figures are the annual rate divided by 12.
Keep in mind: These are state-level medians. Costs can differ significantly between cities and counties, and between individual communities. Use them to plan and to ask better questions, and confirm current prices directly with providers.