Care cost calculator
Choose your county to explore New York nursing home costs, how they may change over time, and the questions to consider when planning for care.
Central Region
This illustration applies the region’s historical annual increase of 5.15%, measured from 2020 to 2026. Future increases may be higher or lower.
New York State’s 2026 regional ratesActual charges depend on the facility, room and care needed. These figures are regional averages and do not include every possible additional fee.
Planning beyond the price
What care costs and how it is paid for are different questions. Understanding both helps you plan your next step.
Medicare generally does not cover ongoing custodial care, such as help with bathing, dressing or everyday supervision.
For people who meet its requirements, Original Medicare Part A can cover a limited skilled nursing facility stay. In 2026, covered days 21–100 have a $217 daily coinsurance. Coverage is conditional; 100 days are not guaranteed.
Read Medicare’s coverage requirements ↗New York Medicaid can help with nursing home care for eligible people. Income, countable resources, transfers and other requirements affect the assessment.
The 2026 individual resource level is $33,038. Separate protections can apply when a spouse remains at home. These figures alone cannot establish eligibility or the amount a family will pay.
Explore New York Medicaid ↗An illustration of private pay
Explore the resource side of paying privately before reaching an illustrative Medicaid resource allowance.
This holds today’s regional cost flat and assumes no income contribution or other spending. It does not determine Medicaid eligibility. For a married couple, it assumes the entered savings are the couple’s countable resources at the assessment point; actual protection depends on the formal assessment and applicable rules.
Based on the Central Region’s current $14,146 monthly rate.
The monthly starting figure is the State’s published annual rate divided by 12. Published daily rates are rounded, so multiplying them by 365 does not reproduce every annual figure.
For a multi-year illustration, we apply each region’s historical annual increase, add the annual costs and divide by the number of months. The historical increase is calculated from the State’s 2020 and 2026 daily rates: (2026 rate ÷ 2020 rate)1/6 − 1. The rounded percentages below match the original prototype.
Historical growth is an assumption for this illustration, not a forecast. The estimate does not model changes in care needs or additional facility fees.
| Region | Daily | Annual | Historical yearly increase |
|---|---|---|---|
| Central Region | $465 | $169,752 | 5.15% |
| Long Island | $499 | $182,316 | 2.08% |
| New York City | $502 | $183,384 | 2.94% |
| Northeastern Region | $486 | $177,396 | 4.60% |
| Northern Metropolitan | $494 | $180,288 | 2.70% |
| Western Region (Buffalo) | $453 | $165,180 | 4.29% |
| Rochester Region | $515 | $188,100 | 3.87% |
Sources: NYS Partnership for Long-Term Care, 2026; its archived October 16, 2020 table; NYS GIS 26 MA/05, attachment 1 (2026 resource and spousal standards); and Medicare’s skilled nursing facility coverage.
For married households, the illustrative spousal resource allowance is half of the entered resources, with a $74,820 floor and a $162,660 ceiling, plus the individual resource allowance. Protected resources shown cannot exceed the entered savings. This simplified model does not address exceptions, appeals or every eligibility rule.
Nursing home rates checked October 18, 2026. Medicaid amounts checked against the retained 2026 State source chart. The State does not endorse this calculator.
Your next step
Discuss care options, local availability and the questions behind these numbers with Reflections.