How Much Does Senior Care Cost in Maryland?

Senior care in Maryland can cost anywhere from about $35 an hour for in-home care to more than $14,000 a month for a private nursing home room. Assisted living costs around $7,200 a month, while nursing home care averages roughly $12,900 a month for a semi-private room.

Where your loved one lives makes a big difference. Costs vary considerably across Maryland, particularly for assisted living and nursing home care, so families in Baltimore, Western Maryland, and the Eastern Shore can experience very different rates.

Below, we'll compare the cost of in-home care, assisted living, nursing homes, and memory care in Maryland. We'll also look at regional differences and ways to help pay for senior care.

A note on costs: The figures in this guide are rounded estimates based primarily on CareScout's 2025 median cost data. Your actual costs may vary based on location, provider, type of care, and the amount of support your loved one needs.

Key takeaways

• Senior care in Maryland costs about $35 an hour for in-home care, $7,200 a month for assisted living, and $12,900–$14,400 a month for nursing home care. CareScout
• Part-time in-home care can be an affordable option when your loved one doesn’t need full-time care because you pay only for the hours you use.
• Medicaid and other Maryland programs may help eligible families pay for senior care.

Types of senior care available in maryland

Maryland families have four main options for senior care: in-home care, assisted living, memory care, and nursing homes. Each offers a different amount and type of help, and the costs can vary significantly.

Here’s what to know about each option and what it costs in Maryland.

In-home senior care costs

Non-medical in-home care in Maryland costs about $35 an hour. The monthly median is about $6,700, but what you actually spend will depend on how many hours of care you book.

In-home caregivers help with bathing, dressing, meals, errands, companionship, transportation, and household tasks. Since you pay by the hour, you can schedule help for a few hours a week, certain times of day, or more regularly as needed.

In-home care is different from home health care, which includes skilled nursing and other medical services.

Assisted living costs

Assisted living in Maryland costs about $7,200 a month. The monthly rate generally includes housing, meals, personal care, and housekeeping, but each community handles pricing differently.

Assisted living can work well for someone who needs regular help with daily tasks but can still live fairly independently.

Rates can change based on apartment type, location, and how much hands-on care is included, so you’ll want to ask what the base rate covers and which services cost extra.

Nursing home costs

Nursing home care in Maryland costs about $12,900 a month for a semi-private room and $14,400 for a private room. That's roughly twice the statewide cost of assisted living.

Nursing homes provide 24-hour supervision and nursing care for people with complex medical needs or who need substantial help throughout the day. If your loved one doesn't need round-the-clock care, part-time help at home or other nursing home alternatives may be worth comparing before you make a decision.

Memory care costs

Memory care in Maryland usually costs more than standard assisted living because residents receive more supervision and dementia-specific care.

A reasonable planning estimate is around $8,000 a month, though prices vary by community, location, and how much care is included.

Memory care communities serve people living with Alzheimer's disease and other forms of dementia. They typically have secured living areas, structured daily routines, and staff trained in dementia care.

In-home dementia care can also work for someone who can safely stay at home. Paying by the hour lets families schedule a caregiver during the times their loved one needs help instead of paying for 24-hour care.

How do senior care costs vary across Maryland?

Senior care costs vary substantially across Maryland. The biggest differences are on the Eastern Shore, where rates around Salisbury are lower than those in Baltimore, Hagerstown, and the Washington metro area.

Here’s how the regional costs compare:

• Baltimore: In-home care costs about $34 an hour, while assisted living averages roughly $7,200 a month. Nursing home care runs about $14,000 for a semi-private room and $15,400 for a private room.
• Washington metro area: In-home care costs around $36 an hour and assisted living about $8,700 a month. Nursing home rates are roughly $12,800 for a semi-private room and $15,400 for a private room.
• Hagerstown: In-home care averages about $36 an hour, while assisted living costs roughly $8,200 a month. Nursing home care runs about $12,200 to $13,000 a month, depending on room type.
• Salisbury: In-home care is lower at around $25 an hour, and assisted living averages about $5,400 a month. Nursing home care costs roughly $8,000 for a semi-private room and $8,500 for a private room.

How to pay for and save on senior care in maryland

Paying for senior care can put a strain on your family's budget, but Maryland has several programs that can help with the cost.

Options to explore include:

• Maryland Medicaid Long-Term Services and Supports (LTSS): Medicaid can cover nursing facility care and certain home- and community-based services for people who meet medical and financial requirements. Depending on the program, services can include personal assistance, nursing, medical day care, transportation, and other support.
• Community Personal Assistance Services (CPAS): Marylanders with full Medicaid who need help with at least one activity of daily living may qualify for personal assistance services in their home or community.
• Supporting Older Adults with Resources (SOAR): This state program can help qualifying adults age 62 and older who aren't eligible for Medicaid or are waiting for Medicaid-funded services. Support can include personal care, homemaker services, meals, adult day care, respite, and partial financial assistance with assisted living fees.
• VA Aid and Attendance: Eligible Veterans and survivors who receive a VA pension may qualify for additional benefits to help with care expenses.
• Maryland Access Point: MAP can help older adults and families identify public and private programs for long-term care, financial assistance, transportation, housing, and other needs.

Don't wait until your loved one needs full-time care to look into financial assistance. Finding out what they qualify for now makes it easier to plan for future care.

What makes senior care expensive in Maryland?

Several factors affect what families pay for senior care in Maryland, including caregiver availability, location, and how much care a person needs.

Here are some of the main reasons costs vary:

• A growing older population: By 2030, more than one in four Maryland residents is expected to be age 60 or older. As more people need help at home or in residential settings, demand for caregivers and long-term care services will continue to grow.
• Caregiver workforce shortages: Maryland has identified shortages among direct-care workers who support older adults and people with disabilities. Limited staffing can make it harder for providers to meet growing demand.
• Major regional differences: Care costs aren't consistent across the state. Assisted living near Washington costs thousands more per month than in Salisbury, for example.
• Level of support: The more hands-on or specialized care your loved one needs, the more you can expect to pay. Around-the-clock nursing home care costs considerably more than assisted living or a limited schedule of in-home help.

Your family's biggest cost drivers will ultimately be where your loved one lives and how much support they need. Comparing options locally can give you a much more realistic budget than relying on a statewide average alone.

Consider herewith for affordable in-home senior care

If your loved one only needs help for part of the day or a few days a week, hourly in-home care can be an affordable way to keep them at home.

On Herewith, Maryland families set their budget and schedule and connect directly with background-checked, insured Helpers. Helpers earn $20 to $30 per hour on average, while the statewide median for non-medical in-home care is about $35 per hour.

There are no contracts or hourly minimums, so you can book a few hours at a time or arrange more regular care. Booking directly through Herewith can also cost up to 50% less than using a traditional care agency.

Browse Helpers in your area and choose the schedule and budget that work for your family.

Maryland Families Also Ask

Is senior care expensive in Maryland?

Senior care can be expensive in Maryland, especially when your loved one needs residential or around-the-clock support. In-home care costs about $35 an hour, assisted living about $7,200 a month, and nursing home care roughly $12,900 to $14,400 a month.

Does Medicaid cover senior care in Maryland?

Yes. Maryland Medicaid covers nursing facility care for eligible residents and offers several programs that provide long-term services and supports at home or in the community. Eligibility depends on factors such as finances and the level of care your loved one needs.

How much does 24-hour home care cost in Maryland?

At Maryland's median rate of about $35 an hour, 24-hour paid home care would cost roughly $25,500 a month. Actual costs depend on the provider, schedule, and services needed, making around-the-clock home care considerably more expensive than part-time help.

What is the cheapest type of senior care in Maryland?

If your loved one only needs help for a few hours at a time, part-time in-home care can be one of the more affordable options because you only pay for the hours you need. Medicaid and other Maryland assistance programs can also reduce out-of-pocket costs for people who qualify.

Can Maryland seniors get help paying for care at home?

Yes. Maryland offers several programs that can help eligible residents remain at home. Community First Choice and Community Personal Assistance Services can provide personal assistance and other supports to qualifying Medicaid participants, while other state programs may be available depending on age, finances, and care needs.