How much senior care costs in Montana
2025 benchmark prices for nursing homes, assisted living, adult day centers and in-home caregivers in Montana, compared with the rest of the country, and how Medicaid and Medicare help.
In Montana, the median cost of a nursing home is $295 a day for a semi-private room (about $8,973 a month) and $315 a day for a private room. Assisted living costs $6,075 a month; an adult day center, $267 a day; and an agency caregiver, $38 an hour (CareScout 2025).
Montana compared with the rest of the country
| Type of care | Montana | U.S. |
|---|---|---|
| Nursing home, semi-private room | $295 a day6% less than the U.S. | $315 a day |
| Nursing home, private room | $315 a day11% less than the U.S. | $355 a day |
| Assisted living | $6,075 a month2% less than the U.S. | $6,200 a month |
| Adult day center | $267 a day181% more than the U.S. | $95 a day |
| Home care agency caregiver | $38 an hour9% more than the U.S. | $35 an hour |
2025 medians from CareScout (Genworth), Cost of Care Survey 2025. Each place sets its own prices; within the state, they change with the city, the room and the care needed.
What it costs per month, in round numbers
- Nursing home: about $8,973 a month for a semi-private room and $9,581 for a private room.
- Assisted living: $6,075 a month, which generally includes the room, meals and daily help. Ask which services cost extra.
- Adult day center: $267 a day; five days a week would be about $5,785 a month.
- Agency caregiver: about $3,293 a month for 20 hours a week and $6,587 for 40 hours.
Home care: an agency or hiring directly
Agencies charge more per hour because they are the employer: they pay taxes, insurance, supervision and replacements when the caregiver can’t come. If you hire directly, the benchmark wage in Montana is $17.61 an hour (the median caregiver wage from the Bureau of Labor Statistics (BLS), May 2025); on top of that come employer taxes and, if they apply, overtime.
How Medicaid helps in Montana
Medicaid is the main source of help with long-term care costs for people with limited income and assets. It pays for nursing home care in every state and, depending on the state, also for home care, adult day centers or the care portion of assisted living.
- Big Sky Waiver (BSW): Home and community-based services, including assisted living, for people who are 65 or older or have a physical disability and need a nursing home level of care; there are waiting lists. To request it, call Mountain Pacific Quality Health, 1-800-219-7035. Official website
More details in our guide for families in Montana and in our guide on whether Medicaid pays for nursing homes. To apply: Montana Department of Public Health and Human Services (DPHHS).
Other ways to pay
- Veterans benefits: the Veterans Pension with Aid and Attendance can help pay for care. How it works.
- PACE program: where it is available, it coordinates and covers care so the person can keep living at home. About PACE.
- Long-term care insurance: if your loved one has a policy, ask for the list of services it covers and how to start a claim.
- Combining options: many families combine an adult day center with a few hours of a caregiver, or use respite care stays to get a break.
Frequently asked questions
How much does senior living cost in Montana?
How much does a caregiver charge in Montana?
Does Medicaid pay for long-term care in Montana?
Does Medicare pay for assisted living or a caregiver?
Sources
- CareScout (Genworth), Cost of Care Survey 2025, published March 2, 2026.
- BLS Occupational Employment and Wage Statistics, May 2025, SOC 31-1120 Home Health and Personal Care Aides (published May 15, 2026; official state file oesm25st).
- Minimum wage: U.S. Department of Labor, State Minimum Wage Laws (table updated as of July 1, 2026); Florida Constitution, Art. X, § 24 ($15 since September 30, 2026); official state and city websites for local minimum wages.
- Medicaid programs: official state websites, checked on October 15, 2026.
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