Short answer
In Maryland, the care setting changes the number fast.
CareScout and Genworth's 2025 median table lists Maryland assisted living at about $86,070 a year, a semi-private nursing home room at about $155,125 a year, and non-medical caregiver services at about $80,080 a year. Compared with the national medians in the same table, assisted living is 16% higher than the national median, semi-private nursing-home care is 35% higher than the national median, and non-medical caregiver services are about the same as the national median. ACL explains why the setting matters: long-term care can happen at home, in the community, or in facilities.
Start here
What you actually came to find out
Plain answers first. Sources stay below for checking details.
What is the quick assisted-living number?
The Maryland median assisted-living community cost is about $7,173 a month, or $86,070 a year. That is 16% higher than the national median.
What is the nursing-home number?
The Maryland median semi-private nursing-home room is about $12,927 a month, or $155,125 a year. That is 35% higher than the national median.
What does home help cost?
The Maryland median non-medical caregiver line is about $6,673 a month when converted from the annual survey figure. That is about the same as the national median.
What else changes by state?
BEA regional price parities put Maryland about 5.0% above the U.S. average cost level. Property tax is local, but the Maryland state-level planning rate used here is 1.1% of home value. Those local costs can matter when care happens at home or when a household keeps the home during a care need.
What does Medicare solve?
Medicare.gov explains ordinary Medicare costs. ACL treats long-term care as help with daily activities, which can be a separate planning layer.
Assisted living
$7,173/mo
CareScout and Genworth list $86,070 as the Maryland annual median assisted-living community cost. That is 16% higher than the national median.
Source trail: CareScout and Genworth
Nursing home
$12,927/mo
The Maryland semi-private nursing-home annual median is $155,125. That is 35% higher than the national median.
Source trail: CareScout and Genworth
Home caregiver
$6,673/mo
The non-medical caregiver annual median is $80,080 for Maryland. That is about the same as the national median.
Source trail: CareScout and Genworth
Adult day health
$2,526/mo
The adult day health care annual median is $30,313 for Maryland.
Source trail: CareScout and Genworth
Local cost level
105.0 index
BEA regional price parities put Maryland about 5.0% above the U.S. average cost level.
Source trail: U.S. Bureau of Economic Analysis
Care setting
Home or facility
ACL explains that long-term care may happen at home, in community settings, or in facilities.
Source trail: Administration for Community Living
The useful Maryland long-term care question is not only the monthly price. It is the care type, how long it lasts, who helps first, and which retirement goals it touches.
Neutral landscape
The shape of the question
The first question is setting. ACL explains long-term care as help with daily activities, and that help can happen at home, in the community, or in a facility.
Source trail: Administration for Community Living
The second question is local cost. CareScout and Genworth list Maryland median costs by care setting, including assisted living, non-medical caregiver services, and nursing home rooms.
Source trail: CareScout and Genworth
The third question is state comparison. The Maryland assisted-living median is 16% higher than the national median, while the semi-private nursing-home median is 35% higher than the national median.
Source trail: CareScout and Genworth
The fourth question is local life around care. BEA regional price parities put Maryland about 5.0% above the U.S. average cost level. Property tax is local, but the Maryland state-level planning rate used here is 1.1% of home value. Those facts matter when care happens at home, when a spouse keeps the home, or when family lives nearby.
Source trail: U.S. Bureau of Economic Analysis, Tax Foundation
The fifth question is what Medicare does and does not cover. Medicare.gov explains ordinary Medicare cost categories, while ACL long-term care material keeps daily-living support as a separate planning topic.
Source trail: Medicare.gov, Administration for Community Living
Curator core
What the authorities say
These sources are here for the reader who wants to check the work. The plain-English answer stays above them.
Source 01
Administration for Community Living
Long-Term Care
ACL explains long-term care needs, services, settings, and planning concepts.
Source framing
ACL describes long-term care as help with daily activities that may occur at home, in the community, or in facilities.
Strongest for: official long-term care vocabulary
Read at Administration for Community LivingSource 02
CareScout and Genworth
Cost of Care Survey 2025: Median Cost Data Tables
The 2025 median cost data tables publish annual and monthly long-term care cost benchmarks by state and care setting.
Source framing
CareScout and Genworth publish state-level median costs for home care, adult day health care, assisted living, and nursing home care.
Strongest for: state-level long-term care cost figures
Read at CareScout and GenworthSource 03
Genworth
Cost of Care Survey
The Genworth cost survey is a widely cited industry benchmark for long-term care costs by care setting and geography.
Source framing
Genworth publishes care-cost benchmarks that vary by state, city, and care type.
Strongest for: geographic long-term care cost benchmarks
Read at GenworthSource 04
Medicare.gov
Medicare Costs
Medicare.gov explains premiums, deductibles, copayments, coinsurance, and cost vocabulary.
Source framing
Medicare.gov is the consumer source for Medicare cost categories and premium terms.
Strongest for: Medicare cost vocabulary
Read at Medicare.govSource 05
Medicare.gov
Extra Help with Drug Costs
Medicare.gov explains help programs that may lower prescription drug costs for people who qualify.
Source framing
Medicare.gov shows that health costs can change when help programs or plan choices change.
Strongest for: drug cost help and Medicare affordability context
Read at Medicare.govSource 06
CFPB
Planning for Retirement
CFPB retirement resources help consumers compare retirement timing, Social Security, and income choices.
Source framing
CFPB frames retirement decisions as consumer choices that can be compared before action.
Strongest for: neutral consumer planning context
Read at CFPBSource 07
U.S. Bureau of Economic Analysis
Regional Price Parities by State and Metro Area
BEA regional price parities compare price levels across states and metro areas against the national average.
Source framing
BEA gives the public cost-level framework used for the quick move math on these pages.
Strongest for: state and metro cost-level comparison
Read at U.S. Bureau of Economic AnalysisSource 08
Tax Foundation
Property Taxes by State and County, 2026
Tax Foundation publishes state and county property-tax data for comparing property-tax pressure across places.
Source framing
Tax Foundation frames property tax as a local and state cost that can matter when housing changes.
Strongest for: property-tax pressure by place
Read at Tax FoundationPlain-English forks
The forks people face
Most retirement questions hide a few smaller decisions. These are the practical pieces that change the plan.
Is this home care, assisted living, or nursing-home care?
Why it matters: The care setting is the largest cost fork.
In real life: Maryland assisted living is about $86,070 a year, while semi-private nursing-home care is about $155,125 a year.
What to look at: What to look at: ACL for the setting language and CareScout and Genworth for state medians.
How long would the need last?
Why it matters: A six-month need and a three-year need are different retirement events.
In real life: Three years at the Maryland assisted-living median is about $258,210 before inflation or care-level changes.
What to look at: What to look at: the annual median cost multiplied by the care duration being tested.
How does Maryland compare with the national table?
Why it matters: A state can look normal on assisted living and expensive on nursing-home care, or the other way around.
In real life: For Maryland, assisted living is 16% higher than the national median, semi-private nursing-home care is 35% higher than the national median, and non-medical caregiver services are about the same as the national median.
What to look at: What to look at: state medians beside national medians by care setting.
Who helps first?
Why it matters: Family help, paid home help, assisted living, and nursing-home care can carry different emotional and financial costs.
In real life: The Maryland non-medical caregiver annual median is about $80,080.
What to look at: What to look at: ACL care setting definitions and local provider costs.
Does keeping the home change the care plan?
Why it matters: A care need can sit beside property tax, maintenance, insurance, and a surviving spouse staying in the home.
In real life: Property tax is local, but the Maryland state-level planning rate used here is 1.1% of home value.
What to look at: What to look at: home value, property tax, local care providers, and who lives in the house.
Which part of the plan gets touched?
Why it matters: Long-term care can affect spending, home choices, surviving-spouse income, dreams, and legacy.
In real life: The private nursing-home room figure for Maryland is $173,375 in the CareScout and Genworth table, with adult day health care listed as $30,313.
What to look at: What to look at: the full retirement map rather than one care-price table.
Common questions
Quick answers
Short, plain answers for the questions people usually have next. The source trail stays available below.
What is the assisted living cost in Maryland?+
CareScout and Genworth list the Maryland annual median assisted-living community cost at about $86,070, or about $7,173 a month. That is 16% higher than the national median.
What is the nursing home cost in Maryland?+
The Maryland annual median semi-private nursing-home room cost is about $155,125, or about $12,927 a month. That is 35% higher than the national median.
What is the home caregiver cost in Maryland?+
The Maryland annual median non-medical caregiver cost is about $80,080, or about $6,673 a month when converted from the annual figure. That is about the same as the national median.
Is Maryland above or below the national care-cost median?+
In the CareScout and Genworth 2025 table, Maryland assisted living is 16% higher than the national median, semi-private nursing-home care is 35% higher than the national median, and non-medical caregiver services are about the same as the national median. Private nursing-home room care is 34% higher than the national median.
What is adult day health care listed at in Maryland?+
The Maryland adult day health care annual median is about $30,313, or about $2,526 a month when divided by 12.
Does Maryland's cost of living matter for care?+
BEA regional price parities put Maryland about 5.0% above the U.S. average cost level. That does not replace provider quotes, but it helps explain why a state care number can sit above or below a national median.
Does Medicare cover long-term care?+
Medicare.gov explains Medicare cost categories, while ACL frames long-term care as help with daily activities. Those are related but separate planning topics.
Why does duration matter?+
One year at the Maryland assisted-living median is about $86,070. Three years is about $258,210 before inflation or care-level changes.
Where does this belong in the plan?+
It belongs as a separate care scenario because it can touch spending, home, surviving-spouse income, dreams, and legacy.
How this page is curated
This page uses CareScout and Genworth 2025 state median cost data for Maryland, compares those figures with national medians from the same table, then translates annual figures into monthly figures where useful. It uses ACL and Medicare.gov to separate long-term care from ordinary Medicare cost categories, and BEA regional price parities plus property-tax context to explain the local planning layer.
Read the planner methodologyTrust anchor
Sources used on this page
Every source named above is listed here in one place.
Administration for Community Living. Long-Term Care
https://acl.gov/ltcCareScout and Genworth. Cost of Care Survey 2025: Median Cost Data Tables
https://pro.genworth.com/riiproweb/productinfo/pdf/282102.pdfCFPB. Planning for Retirement
https://www.consumerfinance.gov/consumer-tools/retirement/Genworth. Cost of Care Survey
https://www.genworth.com/aging-and-you/finances/cost-of-care.htmlMedicare.gov. Medicare Costs
https://www.medicare.gov/basics/costs/medicare-costsMedicare.gov. Extra Help with Drug Costs
https://www.medicare.gov/basics/costs/help/drug-costsTax Foundation. Property Taxes by State and County, 2026
https://taxfoundation.org/data/all/state/property-taxes-by-state-county/U.S. Bureau of Economic Analysis. Regional Price Parities by State and Metro Area
https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area
Before you act on this
This plan is educational. It is not personalized financial, tax, or insurance advice. Projections illustrate the math, they do not predict the future. Talk to your own licensed financial professional before acting on any of it.