Financial Assistance, Costs & Payment Options for Eldercare in North Carolina

Page Reviewed / Updated - May 2015

This webpage will help North Carolina residents understand assisted living, home care and adult day care costs throughout the state.  It also explores the payment options and financial assistance programs available to assist in caring for the elderly, be that in residential care or for aging in place at home. 

The programs outlined here are comprehensive of what is available in North Carolina but not comprehension of what is available at a national level.  To search for assistance nationwide, please use our Resource Locator Tool.

 Did You Know?  The cost of eldercare, and assisted living in particular, varies by as much as 50% across North Carolina.

North Carolina Elder Care Costs

Cost of Care Calculator

Answer the questions below to see the cost of care in your area.




Assisted Living

The cost of assisted living in North Carolina is approximately 85% of the national average. In 2015, North Carolinians pay on average $3,000 / month for assisted living care vs. the nationwide average of $3,600.  However, there is a great deal of variance in this cost both within the same geographic area and within the North Carolina on the whole. In Asheville, for example, the monthly cost of assisted living ranges from approximately $1,200 to $5,200.   For an individual with Alzheimer's, due to the increased need for supervision, the monthly cost goes up by approximately $1,000.

The towns and cities where the lowest cost care can be found are Burlington, Winston Salem, Greensville and Jacksonville. In these areas, residents pay as little as $2,500 / month. In the most expensive areas of the state, assisted living costs around $4,000 per month. These areas are Raleigh, Chapel Hill, Durham and Wilmington.

Home Care

The more expensive areas for home care do not always align with those which are expensive for assisted living. This is the case in NC. Statewide the average hourly rate for non-medical, personal care provided in the home in 2015 is $18. Wilmington, which has higher than average assisted living costs, has lower than average home care costs. Other locations with below average hourly rates are Fayetteville, Greenville, Charlotte and Rocky Mount where is the hourly rate is close to $17. Asheville and Durham have higher than average rates closer to $20 / hr.

Adult Day Care

The cost of adult day care in NC is also well below the national average. In most parts of the state, families should expect to pay $51 / day or less. The notable exceptions to this rule are Chapel Hill, Durham, Wilmington and Charlotte where the average cost can be $10 per day higher.



North Carolina Financial Assistance Programs

State Assistance Programs

The State of North Carolina has several programs, independent of their Medicaid program, which provide assistance in caring for the elderly. Although these programs may or may not provide direct financial assistance, they each can help to offset a family's overall care cost burden.

The first program is called Project C.A.R.E. (Caregiver Alternatives to Running on Empty). In this program, primary caregivers of individual's with Alzheimer's or other dementias are provided with respite care services to help them avoid caregiver burnout. The dollar value of the respite care changes from year to year. In recent years, it has fluctuated between $1,000 - $2,500 worth of assistance. More information is available here.

The Adult Care Home Assistance program offers financial help to low income North Carolina citizens who reside in adult care homes. It is unclear from the state's official description whether "adult care homes" include assisted living residences. The level of financial assistance can increase depending on the program participant's diagnosis. Those with Alzheimer's or dementia may receive a greater level of aid than others with less severe needs. Click here to learn more.

A third option are In-Home Aide Services which help with personal care and home management.  Read more.


Medicaid Programs & Waivers

Before reading about Medicaid based assistance, it is helpful to have an understanding of what Medicaid is and some of the associated terminology. Initially Medicaid for elderly and disabled individuals only paid for the care of qualified individuals in nursing homes. After some time, it became apparent that it could be less costly to help these same individuals by providing certain services at home and in their communities. In addition to cost savings, these "home and community based services" were preferred by the persons receiving them. Home and Community Based Services (HCBS) are typically provided through Medicaid Waivers instead of regular Medicaid programs.

The predominant North Carolina Medicaid Waiver relevant to the elderly is called the Community Alternatives Program for Disabled Adults or CAP/DA. Under CAP/DA, participants can receive personal care, homemaker services, meals and various other supports in their homes. Learn more about CAP/DA eligibility and benefits.

A second North Carolina Medicaid option is the Special Assistance In-Home Program for Adults (SA/IH). Most Medicaid programs are about paying for care, the SA/IH Program is not. Instead this program provides a cash grant to participants with the objective of helping them to cover the cost of food and / or shelter, clothing and other basic necessities. Learn more. A third option is Special Assistance / Adult Care Home which covers room and board costs in adult foster care and at licensed assisted living residences.

In addition to these three options which help Medicaid eligible individuals remain living at home or in adult care homes, NC Medicaid will of course cover the cost of nursing home care should it be medically necessary.


Other Financial Options for Care

In addition to the state specific options that help pay for care, there are many non-profit and federal options. Use our Resource Locator Tool to find other programs that help pay for or reduce the cost of care. There are also programs that help veterans with assisted living and there are eldercare loans available in North Carolina.


Finding Affordable Care

As shown in the Assisted Living Costs and Home Care Costs sections above, in North Carolina there is a great deal of variety in the cost of care depending on one's location throughout the state. To assist families find the most affordable, high-quality care in their preferred geographic areas, we work with several organizations who assist families at no charge. Click here to find the most affordable care that meets your family's needs.