Long-Term Services and Supports Are Becoming Even More Unaffordable for Middle-Class Americans

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Private-pay long-term services and support costs rose sharply from 2019 to 2024, with home care and assisted living increasing nearly 50%—far outpacing income growth. After improving in the 2010s, affordability has since declined, especially for services in the home and community. Costs also vary widely by state, with prices at least double in the most expensive states compared to the least.

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Long-Term Services and Supports Are Becoming Even More Unaffordable for Middle-Class Americans

Private-pay long-term services and support costs rose sharply from 2019 to 2024, with home care and assisted living increasing nearly 50%—far outpacing income growth. After improving in the 2010s, affordability has since declined, especially for services in the home and community. Costs also vary widely by state, with prices at least double in the most expensive states compared to the least.