Rhode Island Nursing Home Cost per Month (2026)
See Rhode Island daily, monthly and annual care costs, what nursing home rates include, what affects price, and the main ways families pay.
Rhode Island senior care costs at a glance
| Care type | Daily | Monthly | Annual |
|---|---|---|---|
| Nursing home, semi-private | $398 | $12,106 | $145,270 |
| Nursing home, private | $440 | $13,383 | $160,600 |
| Assisted living | — | $7,780 | $93,366 |
| Home health aide | — | $7,627 | $91,520 |
These figures come from CareScout’s 2025 state median tables. The survey was conducted from July through November 2025, so an individual facility’s 2026 rate may be higher or lower.
How Rhode Island compares
Rhode Island sits above the national median. A prior survey year put the national figure at about $111,325 annually for a semi-private room. Rhode Island costs less than some Northeast neighbors, although rates across the region are high.
What is included, and what costs extra
The daily rate usually covers room, meals, nursing care, help with daily activities, housekeeping, laundry and activities. Ask about separate charges for:
- Some medications and supplies
- Personal laundry, salon services, phone or cable
- Private-duty aides
- Specialized dementia units
Always request the facility’s written rate sheet. Federal rules require facilities to tell residents about services and charges.
What drives the price
- Room type: private rooms carry a premium of roughly $1,300 a month at the statewide median.
- Location: rates can differ across Providence-area, coastal and other communities.
- Care needs: specialized rehabilitation or dementia care may cost more.
- Ownership and amenities: newer buildings and nonprofit continuing-care campuses vary widely.
How Rhode Islanders pay
Private pay
Many residents pay out of pocket at first, often from savings or the sale of a home.
Medicare
Medicare pays only for qualifying short-term skilled rehabilitation. In 2026, Original Medicare charges no coinsurance for days 1–20 and $217 per day for days 21–100. Read what Medicare covers in a nursing home.
Long-term care insurance
Check the policy’s daily benefit, elimination period, covered services and inflation rider.
Rhode Island Medicaid
Medicaid is the largest payer of long-term nursing home care. Eligibility depends on income, assets and a need for nursing home level of care. Rhode Island also applies a 60-month look-back to certain transfers. Because spouse, home-equity and estate-recovery rules are complex, consider legal advice before transferring assets.
Veterans benefits
Eligible wartime veterans may qualify for the Rhode Island Veterans Home, where residents typically contribute a percentage of adjusted net income. See the Rhode Island Veterans Home guide.
Cost is not quality
A higher price does not guarantee better care. Before choosing, compare CMS star ratings, staffing levels, inspection results and fines for Rhode Island facilities in the Directory.
Frequently asked questions
How much does a nursing home cost per day in Rhode Island?
About $398 a day for a semi-private room and $440 a day for a private room, based on 2025 statewide survey medians.
Is Rhode Island more expensive than the national average?
Yes. Semi-private rooms are roughly $30,000 more per year than the national median cited in the source material.
Will Medicaid take my house in Rhode Island?
A home may be exempt during eligibility in certain circumstances, including when an applicant or spouse lives there, but estate-recovery rules can apply later. Get advice based on your specific situation.
Sources
- CareScout 2025 Cost of Care Survey
- CMS 2026 Medicare fact sheet
- Rhode Island EOHHS Medicaid long-term services and supports rules
- Rhode Island Office of Veterans Services
This article provides general information, not financial or legal advice. Prices vary by facility. Confirm current rates and benefit rules directly.