Elder Care Cost in Chattanooga, TN (2026)
Assisted living in Chattanooga, TN averages $4,100/month (9% below national avg). Nursing home private room: $8,000/month. In-home aide: $4,400/month.
Source: Genworth/CareScout Cost of Care Survey 2024–2025
Assisted Living
$4,100
per month
Nursing Home
$8,000
private room
In-Home Aide
$4,400
44 hrs/week
Memory Care
$5,700
per month
Adult Day Care
$1,300
per month
How Chattanooga, TN compares
Care type
Assisted Living
Chattanooga, TN
$4,100/mo
National avg
$4,500/mo
Nursing Home
private room
$8,000/mo
$9,733/mo
In-Home Aide
44 hrs/week
$4,400/mo
$5,339/mo
Memory Care
$5,700/mo
$6,200/mo
Annual costs in Chattanooga, TN
Assisted living
$49,200/year
or $4,100/month
Nursing home (private room)
$96,000/year
or $8,000/month
Most families need 2–4 years of care on average. At Chattanooga, TN assisted living rates, that's $98,400–$196,800 total before insurance or Medicaid.
Chattanooga, TN vs Tennessee statewide average
Assisted living
Chattanooga, TN is 2% below the state average
Nursing home (private)
Understanding care types in Chattanooga, TN
Assisted Living — $4,100/mo
Private apartment-style living with meals, housekeeping, medication management, and help with bathing or dressing. Good fit when someone needs regular support but not 24-hour nursing. No Medicare coverage. Most families pay privately.
Nursing Home — $8,000/mo
24-hour skilled nursing care. Required when someone needs ongoing medical attention — wound care, IV medications, physical therapy. Medicare covers the first 100 days after a qualifying hospital stay; Medicaid pays for long-term stays for those who qualify.
In-Home Aide — $4,400/mo
A home health aide comes to the house — typically 44 hours/week based on survey methodology. Covers personal care, light housekeeping, and companionship. Part-time (20 hrs/week) runs roughly $2,200/month in Chattanooga, TN.
Memory Care — $5,700/mo
A secured unit within or attached to an assisted living facility, designed for residents with Alzheimer's or other dementias. Higher staff ratios and specialized programming push costs $1,600/month above standard assisted living in Chattanooga, TN.
Nearby cities
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