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ElderCareCosts
Updated August 2026

Cost of In-Home Care in Massachusetts

In-home care in Massachusetts runs about $3,467 a month at 20 hours a week, a common starting schedule. Full-time care at 44 hours a week runs $7,627 a month, above the national median.

Figures are for a non-medical caregiver, from the CareScout Cost of Care Survey 2025.

Starting tier, Massachusetts

$3,467/mo

About 20 hours a week: a common starting point for a new home-care client

Full-time care (44 hrs/week, survey standard)

$7,627/mo

Estimated range $7,281 – $8,290

● Massachusetts $7,627 at 44 hrs/wk ○ National median $6,769 at 44 hrs/wk

Source: CareScout Cost of Care Survey 2025

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City, state, and national

Each area's median compared with the national figure.

In-Home Care cost by area (2025)
AreaScaleMedianvs national
Boston$7,623/mo+12.6%
Worcester$7,616/mo+12.5%
Springfield$7,614/mo+12.5%
Cambridge$7,623/mo+12.6%
Lowell$7,623/mo+12.6%
Massachusetts (state median)$7,627/mo+12.7%
United States$6,769/moreference

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Open any city page for the full provider table. For example, in-home care in Boston.

City figures adjust the Massachusetts median for local wages and housing costs.

In-Home Care cost trend in Massachusetts
2024: $7,764/mo; 2025: $7,627/mo$8k$9k$10k$7,7642024$7,6272025

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Compare in home care costs

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Massachusetts

$3,467/mo/mo

Based on 2025 survey data.

National median

$3,077/mo/mo

Need a different pair of places? Open the full cost calculator. Not sure which care type? Take the care quiz.

What can you afford?

Here is what different monthly budgets cover in Massachusetts.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in Massachusetts runs about $2,427 a month. Income-restricted affordable senior housing is the other common choice. Ask each property about its income limits. If money is very tight, ask about Medicaid waivers.
Affordable senior apartments →
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care usually falls here. Full-time care at 44 hours a week runs about $7,627 a month. The local assisted living median is $9,600 a month, and smaller homes often charge less. If Medicaid may apply, ask about waiver programs.
Medicaid & waiver paths →
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the Massachusetts assisted living median of $9,600 a month with room to spare. It also covers close to full-time home care, about $7,627 a month.
How families pay →
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in Massachusetts run about $14,448 a month at the median. Around-the-clock home care usually costs more.
How families pay →

How to pay for in-home care in Massachusetts

Private pay (savings, income, home equity)Most common
The default payer for most families at the start, especially for assisted living and in-home care. Often combined with a second source once savings run low.
Long-term care insuranceCommon
Pays toward care costs if a policy was purchased in advance, usually years before care is needed. Policy terms (daily/monthly benefit caps, elimination periods) vary widely. Check the policy documents directly.
Medicaid (state-run, income- and asset-limited)Common
Covers nursing home care in every state, and many states offer Home & Community-Based Services (HCBS) waivers that extend Medicaid to assisted living or in-home care. Eligibility rules and waiver availability are state-specific.
VA Aid & Attendance (veterans and surviving spouses)Situational
An added benefit on top of a VA pension for eligible wartime veterans (or surviving spouses) who need help with daily activities. Requires meeting service, income, and care-need criteria.
MedicareNarrow eligibility
Does not cover long-term custodial care (help with daily living). It can cover short-term skilled nursing or home health following a qualifying hospital stay, under specific conditions.
Paid family caregiving (consumer-directed Medicaid)
Some states let an eligible parent hire a family caregiver through a self-directed Medicaid option. See Can I get paid to care for my parent in Massachusetts?

Medicaid and every admission will ask who can sign for your parent. Get the power of attorney done online. Sponsored

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Long-Term Care Ombudsman

Massachusetts Long-Term Care Ombudsman Program helps residents of nursing homes, assisted living, and similar settings in Massachusetts resolve concerns about care and rights.

Find your local ombudsman

Medicaid programs for care at home

  • Frail Elder Waiver. MassHealth 1915(c) Frail Elder Waiver for adults 65+ and adults 60–64 with physical disabilities (CMS factsheet).

National helplines

Frequently asked questions

How much does in-home care cost in Massachusetts?

About $3,467 a month at 20 hours a week, a common starting schedule. Full-time care at 44 hours a week costs a median of $7,627 a month (estimated range $7,281 to $8,290). Based on 2025 survey data.

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Browse by city in Massachusetts

BostonWorcesterSpringfieldCambridgeLowell

Other care types in Massachusetts

Home Health CareAssisted LivingMemory CareIndependent LivingNursing HomesAdult Day CareContinuing Care Retirement Communities (CCRC)

Family tools