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Cost of Assisted Living in Wilmington, Delaware

Page Reviewed / Updated - June 2019

Using this guide, seniors and their loved ones can learn about the cost of senior care in Wilmington, Delaware, as well as the various financial assistance programs and senior resources that are available in the area. For more information on programs that are available throughout the state, visit our guide to paying for senior care in Delaware

The Cost of Senior Living and Care in Wilmington

In Wilmington, the cost of each type of senior care is fairly close to state averages, according to the Genworth Cost of Care Survey from 2018. While assisted living is $68 above average, the cost of home care is just below the state average by $48. The differences between costs in Wilmington and state averages are more substantial when looking at the cost of adult day care and nursing home care: nursing home care is $274 above average, and the cost of adult day care is $497 below average. 

Note: Specific senior care cost data isn't available for Wilmington. Data for the nearest major city in Delaware, Dover, has been used instead.

Wilmington Assisted Living Costs

When compared with other major cities in the surrounding area, the cost of assisted living in Wilmington is mid-range. Considerably less expensive living can be found outside the state in cities such as Harrisburg Pennsylvania, where the average cost is $4,418 per month and Baltimore, Maryland, where the average cost is $4,250 per month. On the other hand, in Vineland, New Jersey the average cost of assisted living is much higher at $6,855 per month.

Wilmington Home Care Costs

In Wilmington and throughout surrounding areas the cost of home care is relatively similar, ranging from $3,813 in Vineland, New Jersey to $4,290 in Washington, D.C. In Wilmington, the average cost of home care is $4,004, which is mid-range when compared with surrounding areas. 

Wilmington Adult Day Care Costs 

The cost of adult day care in Wilmington ranks among the lowest in the area at $1,300 per month. While slightly less expensive adult day care is available in Harrisburg, Pennsylvania, where the average cost is $1,235 per month, most of the major cities in states surrounding Wilmington have average costs that are far higher, ranging from about $1,800 to just below $2,100 per month.  

Wilmington Nursing Home Costs

When compared with other major cities in the states surrounding Delaware, Wilmington's nursing home care costs are among the highest at an average of $10,768 per month. Nursing home care is about $1,000 less expensive in both Harrisburg, Pennsylvania and Baltimore, Maryland where costs are an average of $9,855 and $9,733 per month, while other cities in the area are all priced above $10,000 per month.  

Financial Assistance Programs in Wilmington

Medicaid Program in Wilmington

Delaware's Medicaid state plan is available to low-income families and individuals across the state including senior citizens. Specifically, the Diamond State Health Plan Plus (DSHP+) operates as a Medicaid managed care program that provides seniors with a range of services and benefits including primary care, hospital services, prescription medication, adult day care and access to long-term care services both in the home and in nursing care or assisted living facilities. Under a managed care program, participants receive all care from providers who operate within the network. While the DSHP+ is a managed care program, it does allow for self-direction of some personal care and home care services when the senior is capable of hiring and supervising their own caregivers. 

To qualify for the state Medicaid plan or the DSHP+ as an elderly individual, applicants must be at least 65 years of age or legally disabled. All applicants are required to meet the following financial requirements: 

  • Individual applicants are allowed a maximum income of $1,927.50 per month and up to $2,000 in countable assets
  • Married applicants are allowed a maximum income of $2,892.50 per month and up to $3,000 in countable assets

Although all sources of income are counted, some assets are exempt such as the applicant's home, as well as a single vehicle and their personal belongings. 

To learn more about how to apply for the state Medicaid plan or the DSHP+, seniors can contact the Delaware Division of Services for Aging and Adults with Physical Disabilities at (800) 223-9074. 

More information can be found here

Other Financial Assistance Programs in Wilmington

Alzheimer's Day Treatment Program

The Alzheimer's Day Treatment Program provides seniors living with dementia-related disorders with day care services and personal care, medical services and recreational programs. The program is facilitated by caregivers who have specialized training in dementia care. This program is open to all residents of Delaware who are living with Alzheimer's Disease. 

To enroll in the program, seniors or their caregivers can contact the Christiana Evergreen Day Care Center at (302) 327-5200. 

More information can be found here.

Optional State Supplement

The state of Delaware provides low-income aged, blind and disabled individuals with a supplemental payment that's included with their federal Supplemental Security Income benefit. The supplement is meant to help its beneficiaries pay for the cost of room and board, as well as any other expenses that aren't covered by Medicaid. 

To qualify for the supplement, applicants must have little to no income and they must be aged 65 or older or legally disabled. 

To learn more about Supplemental Security Income and state supplement programs, seniors can call the Social Security Administration at (800) 772-1213, or visit the nearest office, six miles away, at Suite 200, 920 W. Basin Road, New Castle, DE, 19720.

More Senior Living Resources in Wilmington

Resource

Phone Number

Description

Wilmington Housing Authority and Section 8 Housing
 
(302) 429-0914

The Wilmington Housing Authority provides a number of services to low-income seniors including Section 8 Housing Choice Vouchers, which help those in need to access safe, subsidized housing, as well as senior support services like meal delivery and benefit counseling. 
Delaware Section 811 Project Rental Assistance Program

(800) 223-9074

The Section 811 program works with families and individuals with substantially low incomes as well as disabled persons who are eligible for long-term care services. It helps these people to access low-cost housing in safe and sanitary housing rentals. 
Lutheran Community Services

(302) 654-8886

Lutheran Community Services provides a variety of assistance services to low-income families and elderly or disabled individuals. The organization provides grants to help pay for utilities, rental payments, mortgage payments and security deposits in times of crisis.