Nursing home costs vary significantly by state, region, and room type. Here’s what you can expect to pay in Missouri and nationally in 2025–2026, and what drives those differences.
National Average Nursing Home Costs (2025)
| Room Type | Daily Cost | Monthly Cost | Annual Cost |
|---|---|---|---|
| Semi-private room | $297 | $9,034 | $108,405 |
| Private room | $350 | $10,646 | $127,750 |
Source: Genworth Cost of Care Survey 2024. Costs are medians and will vary by facility and location.
Missouri Nursing Home Costs
Missouri nursing home costs are below the national median, making it one of the more affordable states for long-term care:
| Region | Semi-Private (Monthly) | Private (Monthly) |
|---|---|---|
| Missouri statewide median | $5,659 | $6,540 |
| Jefferson County / Herculaneum | $5,500–$7,000 | $6,500–$8,000 |
| St. Louis metro area | $6,000–$8,500 | $7,000–$10,000 |
| Rural Missouri | $4,500–$6,000 | $5,000–$7,000 |
What Drives Cost Differences?
- Location: Urban and suburban facilities typically cost more than rural ones
- Room type: Private rooms cost 15–25% more than semi-private
- Staffing levels: Higher-rated facilities with better nurse-to-resident ratios cost more
- Specialty care: Memory care and ventilator-dependent care units charge premiums
- Amenities: “Luxury” SNFs with hotel-style amenities can cost significantly more
Extra Charges to Know About
The stated daily rate often excludes:
- Incontinence supplies ($100–$200/month)
- Physical, occupational, and speech therapy (billed separately under Medicare Part B once Medicare Part A coverage ends)
- Medications not covered by Medicare Part D
- Personal telephone and cable TV
- Specialized wound care supplies
- Transportation to medical appointments
Always ask for a complete fee schedule before signing an admission agreement.
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