How much does a nursing home cost in Pennsylvania?

1 min read by Unbiased team Last updated June 28, 2024

Discover the average cost of nursing homes in Pennsylvania and how you can plan ahead to cover these costs.

Summary 

  • The average cost of a nursing home in Pennsylvania is $116,800 per year. 

  • Nursing home costs vary significantly across different regions in Pennsylvania, with Allentown being the most expensive and Johnstown the least expensive. 

  • Assisted living facilities in Pennsylvania offer a more affordable option than nursing homes. 

  • A financial advisor can help you plan for your future financial needs and ensure you have enough savings to cover all possibilities.  

What are the average costs of nursing home care in Pennsylvania? 

The average cost of a nursing home in Pennsylvania is $116,800, which translates to approximately $9,733 per month.  

This figure is significantly higher than the national median of $94,900 per year and should be considered when calculating the nursing home cost per day Pennsylvania facilities will expect. 

However, costs can vary significantly depending on the location within the state, as illustrated in the table below: 

​​Region​Median Monthly Cost
​Allentown ​$15,178
​Erie ​$13,581
​Harrisburg ​$12,958
​Johnstown ​$11,863
​Lancaster ​$15,041
​Philadelphia ​$14,296
​Pittsburgh ​$10,950
​Reading ​$11,558
​Scranton Area ​$11,102
​State College ​$11,543
​York ​$13,809​

How do costs compare for different types of care in Pennsylvania? 

Understanding the average monthly nursing home cost Pennsylvania citizens will have to pay depends on what care they will need. 

Semi-private rooms are generally the most affordable option, as rooms are shared.  

Private rooms are more expensive but offer privacy, while specialized care units are designed for residents with specific needs. 

Choosing the right option involves assessing individual needs and the level of care needed, personal privacy preferences, and the costs and budget involved.  

Is nursing home care good in Pennsylvania? 

The quality of nursing home care in Pennsylvania varies widely, making it crucial to research and select a facility carefully.  

Nursing homes in Pennsylvania offer a diverse range of care options, including basic care that includes assistance with activities of daily living, skilled nursing care that involves more specialized care provided by registered professionals, and specialized care programs.  

There are also short-term rehabilitation care options and hospice care for individuals with terminal illnesses. 

How do you pay for nursing home care in Pennsylvania? 

First, it's best to understand the various financing options available to understand the average cost of nursing home care in Pennsylvania.  

These include: 

1. Private pay: Many individuals use personal savings, investments, or the sale of assets. 

2. Long-term care insurance: This type of insurance can help cover nursing home expenses. 

3. Medicaid: Pennsylvania's Medicaid program covers nursing home care for eligible individuals. 

4. Medicare: While Medicare doesn't typically cover long-term nursing home care, it may cover short-term stays for rehabilitation. 

To qualify for Medicaid in Pennsylvania, individuals must meet both income and asset limits. 

What are the tax implications of nursing home costs in Pennsylvania? 

While nursing home costs can impose a significant financial burden, potential tax deductions can help alleviate some of the expenses. 

Under federal income tax laws, qualified medical expenses, including nursing home costs, may be deductible if they exceed a certain percentage of your adjusted gross income (AGI). 

To be deductible, nursing home costs must primarily be for medical care. This includes expenses for: 

  • Room and board if the primary reason is to receive medical care. 

  • Nursing services. 

  • Personal care services. 

  • Medications. 

To claim the deduction for medical expenses, you must itemize deductions on Schedule A of Form 1040. 

Tax laws can be complex, and it's highly recommended to consult with a financial advisor to ensure you’re not paying more tax than you need to.  

What is the difference between nursing homes and assisted living facilities in Pennsylvania? 

While both nursing homes and assisted living facilities cater to the elderly in Pennsylvania, they differ significantly in terms of care, cost, and suitability. 

Care: 

  • Nursing homes: Provide 24/7 care for individuals with complex medical challenges. 

  • Assisted living facilities: Offer a supportive living environment with daily assistance. 

Cost:

  • Nursing homes: The average cost of a nursing home in Pennsylvania tends to be much higher. 

  • Assisted living facilities: Generally more affordable than nursing homes. 

Suitability:

  • Nursing homes: Ideal for individuals with chronic illnesses or complex medical care. 

  • Assisted living facilities: Suitable for individuals who need assistance with daily living activities. 

How do you choose the right nursing home or assisted living facility in Pennsylvania? 

Selecting the right nursing home or assisted living facility (ALF) in Pennsylvania requires careful consideration.  

You need to select the right facility based on the costs involved, the quality and level of care, the available services, and your or your family’s geographical preference. 

You should also visit a potential care home and ask the staff about daily routines, staff turnover rates, activities, meal plans, and other information. If you have the opportunity, ask residents about their satisfaction with the care, staff, food, activities, and overall living experience. 

What should I consider when planning for long-term care? 

Planning for long-term care is a crucial aspect of ensuring your well-being and financial security as you age. It's vital to start planning as early as possible. 

Here are some tips to help you get ahead: 

  • Start planning early. 

  • Consult an elder law attorney. 

  • Consider long-term care insurance. 

  • Explore all available options. 

  • Be aware of changes in Medicaid rules and regulations. 

You need to assess your needs, financial situation, estate plan, and family’s involvement in your care. It's best to start saving early to ensure you have the funds to cover nursing home costs per day in Pennsylvania, consider long-term care insurance, and consult a financial advisor for expert guidance. 

Get expert financial advice 

The average cost of nursing home care in Pennsylvania varies depending on the type of care and where you live in the state. 

Get expert advice from an SEC-regulated financial advisor through Unbiased to help you create a tailored plan that safeguards your future. 

Writers

Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.