Nursing home, private room costs in Montana
Here is the middle of the price range in Montana, and then — because it is the question that actually follows — who pays for it. The short answer on that second one surprises most people: Medicare does not.
The Montana median
$9,581 a month
- Works out to, monthly
- $9,581
- Works out to, yearly
- $114,972
That is about 11% lower than the national median of $10,798 a month. Within Montana the spread is usually wider still: a city costs more than a rural county, often by a great deal.
A single-occupancy room in a licensed nursing facility, with the same round-the-clock nursing supervision and included services as a shared room.
What this number is, and what it is not.
It comes from an industry cost-of-care survey — providers reporting their prices — not from a government rate table. There is no federal agency that publishes what assisted living costs, which is why the survey is the source of record here and why we label it plainly rather than dressing it up as official.
A median means half charged more and half charged less. It is not a quote for any particular home, agency or facility, and no provider is bound by it. Prices collected for the 2025 survey.
Where Montana sits
$9,581 a month ranks Montana 39th of the 49 states priced for nursing home, private room: 38 charge more, 10 charge less.
South Carolina is the next state up, at $9,612; Georgia the next down, at $9,429.
The national median is $10,798, so Montana runs $1,217 below it — 11% less, or $14,604 a year ($1,217 × 12 months).
The column runs $7,604 (Texas) to $18,448 (Oregon). Montana sits 18% up it, 1.26× the lowest, with 12 other within a tenth of it.
Of the 6 kinds of care Montana was priced for, this is its 6th dearest standing: at best 1st of 45 for adult day health care, at worst 39th of 49 for nursing home, private room.
What $9,581 a month becomes
Our multiplication, holding the Montana median flat — no real bill does — with the same span of the state's least costly priced care beside it:
Six months
$57,486
$34,710 of adult day health care
One year
$114,972
$69,420 of adult day health care
Two years
$229,944
$138,840 of adult day health care
Three years
$344,916
$208,260 of adult day health care
Five years
$574,860
$347,100 of adult day health care
Care is bought in years, not months, and $9,581 a month is $114,972 a year.
Five years at the national median would be $647,880: $73,020 more than five years in Montana.
Inside Montana, five years of adult day health care runs $347,100 and five of skilled nursing at home (private duty nurse) $846,560; this page's $574,860 sits 46% between them. Most families pay for more than one of these in sequence.
Against other care in Montana
Converted to a month on our schedule, set beside this page's $9,581:
Skilled nursing at home (private duty nurse)
$14,109 a month
$4,528 a month more, $54,340 a year, 1.47× this page. Montana places 35th of 46 for it, 4 above its 39th here.
Nursing home, semi-private room
$8,973 a month
$608 a month less, $7,296 a year, 0.94× this page. Montana places 37th of 50 for it, 2 above its 39th here.
In-home care (non-medical caregiver)
$7,245 a month
$2,336 a month less, $28,028 a year, 0.76× this page. Montana places 17th of 50 for it, 22 above its 39th here.
Assisted living community
$6,075 a month
$3,506 a month less, $42,072 a year, 0.63× this page. Montana places 29th of 50 for it, 10 above its 39th here.
Adult day health care
$5,785 a month
$3,796 a month less, $45,552 a year, 0.60× this page. Montana places 1st of 45 for it, 38 above its 39th here.
On the same monthly footing, nursing home, private room is the 2nd costliest of the 6 kinds of care priced in Montana, at $9,581. The conversions are ours; the medians are the survey's.
44 hours a week of in-home care in Montana is $7,245 a month against $6,075 for assisted living — 16% less. The first buys 44 hours and nothing else; the second includes the room, the meals, and someone awake overnight.
Who actually pays for this
This is the part most cost pages leave out, and it is the part that changes what a family does next.
Medicare does not pay for long-term care
Medicare pays for short stretches of skilled care — a limited stay in a skilled nursing facility after a qualifying hospital admission, or skilled home health under specific conditions. It does not pay for custodial care: help with bathing, dressing, meals, medication reminders and supervision. That is what most people need, and for years at a time.
Medicare's own page on long-term care ↗ says the same thing in its own words. It is worth reading once, because almost everyone assumes the opposite.
Medicaid may pay — after a spend-down
Medicaid is the largest payer of long-term care in the country, but it is needs-based: it begins once income and countable savings are inside the limits Montana sets. Getting there by spending savings on care is what people mean by a spend-down. There is also a look-back period, so gifts and transfers made in the years beforehand matter.
Veterans: Aid and Attendance may help
A wartime veteran, or a surviving spouse, who needs help with daily activities may qualify for an addition to the VA pension called Aid and Attendance. It is an income-and-net-worth benefit, it is paid monthly, and a great many families who qualify have never heard of it. Accredited veterans service organizations help with the claim for free.
Otherwise: savings, family, and long-term care insurance
Most families pay out of pocket first — from savings, a pension, the sale of a house, or several relatives contributing. A long-term care insurance policy bought years ago pays a daily or monthly amount if the policy's conditions are met; if there is a policy in the family, find it and read what triggers it before you need it.
Working out which of these applies to one particular family is exactly what a free Montana counselor does all day. They are paid by a federal grant, not by commission, and they have nothing to sell you. The Eldercare Locator (ACL): 1-800-677-1116 ↗ will connect you to the area agency on aging for your county.
Who to ask in Montana
Montana's free counseling program is Montana State Health Insurance Assistance Program (SHIP), on 406-444-4077. It is grant-funded and sells nothing.
the Montana Department of Public Health and Human Services decides Medicaid long-term care here — not a facility, and not us. Montana runs it as Nursing facility (institutional) Medicaid, Home and community based services waiver and Regular Medicaid for the aged, blind and disabled, with a 60-month look-back on gifts and transfers.
Beside $9,581 a month — our comparison, its limits — that is what "spend-down" means: countable assets may not top $2,000, or about 6 days of nursing home, private room at this rate and an at-home spouse may keep up to $162,660, or about 17 months of it.
Verified 2026-08-02 against CareScout (formerly Genworth) Cost of Care Survey 2025, fielded July-November 2025 (effective 2026-01-01)— an industry survey, not a government figure. Why we use it.
Verified 2026-08-02 against SHIP National Technical Assistance Center (effective 2026-01-01)— an industry survey, not a government figure. Why we use it.
Verified 2026-08-02 against Montana Department of Public Health and Human Services, Aged, Blind and Disabled Medicaid 013 — Table of Standards: Nursing Home Residents-Income (effective 01/01/2026), with Combined Medicaid 001 Table of Standards: General Resource Limits (effective 2026-01-01)
Common questions
- Does Medicare pay for nursing home, private room in Montana?
- No. Medicare pays for short stretches of skilled care after a qualifying hospital stay, and for skilled home health in limited circumstances. It does not pay for long-term custodial care — help with bathing, dressing, meals and supervision — which is what most families are actually paying for.
- Is nursing home, private room dearer in Montana than in other states?
- $9,581 a month places Montana 39th of the 49 states the survey priced for it: 38 charge more and 10 charge less. The national median is $10,798. That ranking is our arithmetic on the survey's published medians, not a ranking the survey itself publishes.
- Is this the price I will be quoted in Montana?
- No. It is the middle of a range from an industry cost-of-care survey: half of the providers surveyed charged more, half charged less. Prices vary a great deal between a city and a rural county in the same state, and no facility is bound by this figure.
- Who can help me work out how to pay for it?
- Montana runs its free counseling program as Montana State Health Insurance Assistance Program (SHIP), on 406-444-4077. It is paid for by a federal grant, sells nothing, and the Eldercare Locator (1-800-677-1116) will connect you to the area agency on aging that covers your county.