Elder Care Cost in Minnesota (2026)
Assisted living in Minnesota averages $4,600/month. Nursing home private room: $10,950/month (13% above national avg). In-home aide: $5,910/month.
Source: Genworth/CareScout Cost of Care Survey 2024–2025
Assisted Living
$4,600
per month
Nursing Home
$10,950
private room/mo
In-Home Aide
$5,910
44 hrs/week
Adult Day Care
$1,733
per month
vs. National
+$1,217
nursing home/mo
Senior Care Costs in Minnesota vs. National Average
| Care Type | Minnesota/Month |
|---|---|
| Assisted Living | $4,600 |
| Nursing Home (private room) | $10,950 |
| Nursing Home (semi-private) | $9,855 |
| In-Home Aide (44 hrs/week) | $5,910 |
| Adult Day Care | $1,733 |
Which Care Type Fits?
Adult Day Care — $1,733/mo
Best for people who are safe at home nights/weekends but need daytime supervision, socialization, and health monitoring. Not available 24/7.
In-Home Aide — $5,910/mo
Covers personal care and home health aide services (44 hrs/week). For 24/7 in-home coverage, expect $12,000–$16,000/month — more than a nursing home. Part-time (20 hrs/week) runs roughly $3,000/mo.
Assisted Living — $4,600/mo
Housing, meals, and help with daily activities. No skilled nursing care. Right choice when daily medical supervision is not required. Memory care typically adds 20–30% to the base rate.
Nursing Home — $10,950/mo
24-hour registered nurse coverage, skilled care, and daily medical management. Required for wound care, IV medications, or post-acute rehab. Semi-private room: $9,855/mo.
Medicaid & Coverage: What to Know
- Medicare: Covers up to 100 days of skilled nursing after a 3-day hospital stay — not long-term care. A $209.50/day copay applies after day 20; Medicare pays nothing after day 100.
- Medicaid: Covers nursing home care for those who qualify (typically under $2,000 in assets). Home and community-based waivers may cover assisted living or in-home care in Minnesota.
- Long-term care insurance: Policies pay a daily or monthly benefit once you can't perform 2 of 6 Activities of Daily Living. A 55-year-old pays $1,400–$2,200/year for $4,500/month coverage.
What You'll Spend Over Time in Minnesota
At 3.5% annual inflation
| Care Type | Year 1 | Year 3 | Year 5 |
|---|---|---|---|
| Assisted Living | $55,200 | $59,100 | $63,300 |
| Nursing Home (pvt.) | $131,400 | $140,800 | $150,800 |
| In-Home Aide | $70,920 | $76,000 | $81,400 |
Frequently Asked Questions
How much does a nursing home cost in Minnesota?
A private room costs $10,950/month ($131,400/year) in 2026. Semi-private runs $9,855/month. Minnesota is 13% above the national average of $9,733/month.
Is assisted living cheaper than a nursing home in Minnesota?
Yes. Assisted living in Minnesota averages $4,600/month vs. $10,950/month for a nursing home private room — a difference of $6,350/month. Assisted living does not include skilled nursing care, so it's appropriate only when daily medical supervision isn't required.
Does Medicare cover nursing home care in Minnesota?
Medicare covers up to 100 days of skilled nursing after a qualifying 3-day hospital stay — not long-term care. After day 20, you pay $209.50/day. After day 100, Medicare covers nothing. Medicaid covers long-term nursing home care for those who qualify (typically under $2,000 in assets).
What is the average cost of in-home care in Minnesota?
A home health aide costs $5,910/month for 44 hours/week in Minnesota. For 24/7 in-home care, expect $12,000–$16,000/month — more expensive than a nursing home. Part-time aide (20 hrs/week) runs roughly $3,000/month.
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