Semi-private nursing home room cost in New Jersey vs New York vs Pennsylvania: expected 5-year cost for a 78-year-old woman needing help with 3 daily activities
Pennsylvania has the lowest expected 5-year cost of a semi-private nursing home room for a 78-year-old woman who needs help with 3 of the 6 daily activities: $603,567 ($41,466 less than the next state). New Jersey: $645,033; New York: $784,025; Pennsylvania: $603,567. These are expected costs in today's dollars, counting only the years the person is expected to be alive, from state median prices in the CareScout 2025 survey; they are not a quote from any provider.
The same assumptions in every column
In this comparison of New Jersey, New York, and Pennsylvania (expected costs in US dollars), every column is a semi-private nursing home room for the same 78-year-old woman who needs help with 3 of the 6 daily activities, projected over 5 years on the moderate path of decline. Only the state changes, and with it the survey's median price. Each column is its own call to the same API with the same inputs. The calculation table reports the exact dollar figures the API returned, with the lowest and highest scenario for each state.
What the expected cost leaves out
For New Jersey, New York, and Pennsylvania, the expected costs in US dollars leave out the price of any particular provider and what insurance or Medicaid would pay. Not included in the survey prices: Housing and living costs at home (assisted living and nursing home fees include room and board), memory care (the survey prints no median), home modifications, medical care, the extra fees facilities charge for higher levels of care, and taxes. The range is the lowest and highest expected cost across nine scenarios: three paths of decline (0.25, 0.5 or 1 more daily activity needing help each year, an authored choice) against the 10th, 50th and 90th percentile price-growth windows. It is a scenario range, not a statistical interval, and not a forecast. The headline uses the moderate path of decline. Hours of in-home care scale with the number of daily activities needing help, up to the survey's 44-hour week at six; that scale is authored.
Try your own numbers
Open the Dorevanti calculator. The expected costs in US dollars for New Jersey, New York, and Pennsylvania come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter the person's state, age and daily activities there to see all four care options with a range, the crossover age and every assumption listed.
More Dorevanti comparisons. How the numbers are computed. Read the CareScout survey.
Calculation provenance
Prices: the median for each of New Jersey, New York, and Pennsylvania for a semi-private nursing home room in the CareScout Cost of Care Survey 2025. Survey vintage: 2025 survey (July through November 2025); loaded 2026-10-11. In-home care is priced by the hour from the survey's non-medical caregiver median on a 44-hour week. Growth and discounting: prices grow 3.6 percent a year, the median of historical 5-year windows of CPI Medical Care Services through 2026-08, and are discounted at 5.19 percent a year, the 10-year Treasury yield. Each year is weighted by the share of it the person is expected to be alive for, from the CDC 2024 life table. Sample size UNAVAILABLE: the prices are survey medians by state and the life table a national series, so the survey's per-state sample sizes are not reported by the source. Inspect the API. Response hashes and retrieval times are retained separately in the calculation record.
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Calculation data
| Input | Value |
|---|---|
| care Option | nursing_home_semi_private |
| age | 78 |
| sex | female |
| adl Deficits | 3 |
| years | 5 |
| trajectory | moderate |
| Measure | New Jersey | New York | Pennsylvania |
|---|---|---|---|
| Expected 5-year cost of a semi-private nursing home room for a 78-year-old woman who needs help with 3 of the 6 daily activities (USD) | 645,033.00 | 784,025.00 | 603,567.00 |
| Expected cost in the lowest of nine scenarios (USD) | 635,032.00 | 771,868.00 | 594,208.00 |
| Expected cost in the highest of nine scenarios (USD) | 659,191.00 | 801,233.00 | 616,814.00 |
| First-year price of a semi-private nursing home room (USD) | 153,300.00 | 186,333.00 | 143,445.00 |
| Distance from winning value (USD) | 41,466.00 | 180,458.00 | 0.00 |
| Decision | Alternative value | Alternative value | Winning value |
Winner: Pennsylvania. Objective: minimize. Margin to next option: 41,466.00 USD. Assumption: Lowest expected cost of a semi-private nursing home room over the stated years for the stated person only. Where care happens is often not a choice: this shows how much of the cost is the state's prices. A particular provider, the level of care a facility charges for, housing costs at home and your own health will move the numbers.
- winner
- pa
- objective
- minimize
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- expectedCost
Source and assumptions
- Prices: New Jersey's median for a semi-private nursing home room in the CareScout Cost of Care Survey 2025. Survey vintage: 2025 survey (July through November 2025); loaded 2026-10-11. In-home care is priced by the hour from the survey's non-medical caregiver median on a 44-hour week.
- Growth and discounting: prices grow 3.6 percent a year, the median of historical 5-year windows of CPI Medical Care Services through 2026-08, and are discounted at 5.19 percent a year, the 10-year Treasury yield. Each year is weighted by the share of it the person is expected to be alive for, from the CDC 2024 life table.
- The range is the lowest and highest expected cost across nine scenarios: three paths of decline (0.25, 0.5 or 1 more daily activity needing help each year, an authored choice) against the 10th, 50th and 90th percentile price-growth windows. It is a scenario range, not a statistical interval, and not a forecast.
- Housing and living costs at home (assisted living and nursing home fees include room and board), memory care (the survey prints no median), home modifications, medical care, the extra fees facilities charge for higher levels of care, and taxes.
- The headline uses the moderate path of decline. Hours of in-home care scale with the number of daily activities needing help, up to the survey's 44-hour week at six; that scale is authored.
New Jersey. Data layer: Dorevanti state_care_costs (CareScout), life_table (CDC) and cost_indices (BLS via FRED, Treasury via FRED). Source: CareScout Cost of Care Survey 2025 Median Cost Data Tables; CDC NCHS United States Life Tables 2024 (NVSR 75-5); BLS CPI-U Medical Care Services CUSR0000SAM2; Board of Governors 10-year Treasury yield DGS10. Vintage: Prices loaded 2026-10-11; life table loaded 2026-10-11; price index through 2026-08, loaded 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-16T19:18:08.978Z
Source updated: CareScout 2025 survey (July through November 2025); loaded 2026-10-11; CPI to 2026-08
Cache: Unreported
Response SHA-256
2f60f5152d3ff81c5c52c0997025bfabe5c897a8e3ec01e86bb1ef3d4007e2e0New York. Data layer: Dorevanti state_care_costs (CareScout), life_table (CDC) and cost_indices (BLS via FRED, Treasury via FRED). Source: CareScout Cost of Care Survey 2025 Median Cost Data Tables; CDC NCHS United States Life Tables 2024 (NVSR 75-5); BLS CPI-U Medical Care Services CUSR0000SAM2; Board of Governors 10-year Treasury yield DGS10. Vintage: Prices loaded 2026-10-11; life table loaded 2026-10-11; price index through 2026-08, loaded 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-16T19:18:09.142Z
Source updated: CareScout 2025 survey (July through November 2025); loaded 2026-10-11; CPI to 2026-08
Cache: Unreported
Response SHA-256
d54590701e8f2151a1c47c7f338454f51456f53cfedf4aeb2d4eafd35984d3c5Pennsylvania. Data layer: Dorevanti state_care_costs (CareScout), life_table (CDC) and cost_indices (BLS via FRED, Treasury via FRED). Source: CareScout Cost of Care Survey 2025 Median Cost Data Tables; CDC NCHS United States Life Tables 2024 (NVSR 75-5); BLS CPI-U Medical Care Services CUSR0000SAM2; Board of Governors 10-year Treasury yield DGS10. Vintage: Prices loaded 2026-10-11; life table loaded 2026-10-11; price index through 2026-08, loaded 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-16T19:18:09.327Z
Source updated: CareScout 2025 survey (July through November 2025); loaded 2026-10-11; CPI to 2026-08
Cache: Unreported
Response SHA-256
a935e755ddbd42cf419acd3e7b6cc6c22c21e00e34731076ee42108821a58025Questions about this comparison
In which state does a semi-private nursing home room cost the least over 5 years: New Jersey, New York, and Pennsylvania?
Pennsylvania has the lowest expected 5-year cost of a semi-private nursing home room for a 78-year-old woman who needs help with 3 of the 6 daily activities: $603,567 ($41,466 less than the next state). New Jersey: $645,033; New York: $784,025; Pennsylvania: $603,567. These are expected costs in today's dollars, counting only the years the person is expected to be alive, from state median prices in the CareScout 2025 survey; they are not a quote from any provider.
What is held constant in this comparison?
In this comparison of New Jersey, New York, and Pennsylvania (expected costs in US dollars), every column is a semi-private nursing home room for the same 78-year-old woman who needs help with 3 of the 6 daily activities, projected over 5 years on the moderate path of decline. Only the state changes, and with it the survey's median price. Each column is its own call to the same API with the same inputs.
What does this expected cost leave out?
For New Jersey, New York, and Pennsylvania, the expected costs in US dollars leave out the price of any particular provider and what insurance or Medicaid would pay. Not included in the survey prices: Housing and living costs at home (assisted living and nursing home fees include room and board), memory care (the survey prints no median), home modifications, medical care, the extra fees facilities charge for higher levels of care, and taxes. The range is the lowest and highest expected cost across nine scenarios: three paths of decline (0.25, 0.5 or 1 more daily activity needing help each year, an authored choice) against the 10th, 50th and 90th percentile price-growth windows. It is a scenario range, not a statistical interval, and not a forecast. The headline uses the moderate path of decline. Hours of in-home care scale with the number of daily activities needing help, up to the survey's 44-hour week at six; that scale is authored.
How can I try my own numbers?
The expected costs in US dollars for New Jersey, New York, and Pennsylvania come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter the person's state, age and daily activities there to see all four care options with a range, the crossover age and every assumption listed.