How much does a residential care facility cost in Indiana?

The median assisted living rate in Indiana is $5,639 a month, according to the CareScout (formerly Genworth) Cost of Care Survey, 2025. Small residential homes commonly price below that median because they run on lower overhead, but the rate rises with care needs. The only number that applies to your family is the one on a written rate sheet from the specific home.

Is a small care home cheaper than a large assisted living community in Indiana?

Often, though not always. Small homes carry less overhead, which usually shows up in a lower base rate. Large communities sometimes undercut that base rate to fill units, then charge separately for care levels, medication management, and incontinence care. Compare the all-in monthly figure for the level of care your parent actually needs, not the advertised starting rate.

How much more does memory care cost in Indiana?

There is no published memory care median for Indiana. Applying the national 25 percent memory care premium to the state assisted living median gives roughly $7,050 a month. Treat that as a planning estimate built from a national figure, not a measured Indiana rate.

Does Medicaid pay for residential care facilities in Indiana?

PathWays, Indiana's managed Medicaid program for adults 60 and over, can cover assisted living services. The program to ask about by name is Indiana PathWays for Aging. Room and board is generally not covered even when care services are. Eligibility rules and waitlists change, so confirm current terms with the state before you count on coverage.

What is usually not included in the monthly rate?

Most homes quote a base rate that covers the room, meals, housekeeping, laundry, and a set level of personal care. Medications, incontinence supplies, a private room upgrade, salon visits, transportation to appointments, and any move-in or community fee are commonly billed separately. Ask for the fee schedule in writing and ask what has triggered a rate increase for current residents.

How often do rates go up?

Annual increases are standard across the industry, and a rate can also rise mid-year when a resident's care level is reassessed. Before signing, ask for the last three years of increases at that specific home and ask what notice period the contract requires before a new rate takes effect.

Indiana care costs

Cost of Residential Care Facilities in Indiana (2026)

The median assisted living rate in Indiana runs $5,639 a month. Small residential homes often sit below that figure, and what any one home charges depends on how much daily care your parent needs.

What care costs in Indiana

Median monthly figures for Indiana. Small residential homes often price below the assisted living median because they carry lower overhead, though rates rise with care needs. Ask any home for its rate sheet in writing.

Type of care	Median per month
Assisted living Monthly median, one resident	$5,639
In-home care Non-medical caregiver, 44 hours a week	$6,673
Nursing home Semi-private room	$8,943
Memory care Estimate: assisted living plus the national 25 percent memory care premium	$7,050 est.

Home care median is CareScout's non-medical caregiver rate at 44 hours per week.

Source: CareScout (formerly Genworth) Cost of Care Survey, 2025.

Memory care premium (national, not specific to Indiana): A Place for Mom Costs of Long-Term Care and Senior Living Report, 2026.

Talk through your shortlist with an advisor

A Place For Mom connects families with local senior living advisors. The guidance is free for families; advisors are paid by the communities that participate in their network. An advisor can help you build a shortlist and schedule tours. The judging stays with you: verify any home you are considering against the state license database, whoever recommended it.

Connect with a senior living advisor at no cost to you →

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What the monthly rate covers

Nearly every residential care facility quotes one base rate. In a small residential home that rate usually covers a bedroom, three meals a day plus snacks, laundry, housekeeping, help with bathing, dressing, and moving around, and staff on site around the clock.

Usually in the base rate

Room, shared or private depending on the rate tier
Meals, snacks, and most special diets
Laundry and housekeeping
Help with bathing, dressing, grooming, and mobility
Staff on site overnight
Activities run by the home

Usually billed separately

Medications and pharmacy delivery
Incontinence supplies
A one-time move-in or community fee
Private room upgrade
Transportation to medical appointments
Salon visits, cable, and personal phone service
Hospice, physical therapy, and other outside providers

Ask for the base rate and the fee schedule in the same written document. A home that will not put both in writing before a tour is telling you something.

How small homes price against large communities

The survey median blends every size of assisted living in Indiana, from six-bed houses to communities of two hundred apartments. Those two settings price in different ways, which is why a single median can mislead.

A small residential home usually quotes one all-in monthly rate. It has no marketing department, no dining hall, and no building loan, so its overhead per resident is lower. Care is priced into the rate rather than sold in tiers, and the person quoting the rate is often the owner.

A large community more often quotes rent first and prices care on top of it, in levels set by an assessment. The advertised starting rate is real, but it describes a resident who needs very little help. Families comparing an advertised community rate against a small home's all-in rate are usually comparing two different things.

Compare the total monthly figure at the level of care your parent needs today, then ask both settings what happens to that figure if care needs increase.

What board and care actually costs → Board and care vs assisted living →

Medicaid and Indiana residential care facilities

PathWays, Indiana's managed Medicaid program for adults 60 and over, can cover assisted living services. The program to ask about by name is Indiana PathWays for Aging.

Medicaid generally pays for care services, not for room and board, so a resident still owes the housing portion out of their own income.

Coverage on paper is not the same as a bed you can use. A home has to agree to accept Medicaid rates, and many small homes take only a set number of Medicaid residents at a time. Ask each home where it stands before you tour.

Confirm current eligibility limits and any waitlist with your state Medicaid office before you count on coverage. Rules change from year to year.

How Medicaid covers residential care → Medicaid planning basics →

Ways families pay in Indiana

Most families end up combining two or three of these rather than relying on one.

Income and savings: Social Security, a pension, retirement accounts, and investment income usually form the base. Work out the monthly gap between that income and the home's rate first, because every other decision follows from the size of that gap.
Proceeds from a home: Selling the house is the most common way families close the gap. Where a spouse still lives there, or where a sale would take months, a bridge loan or a reverse mortgage can cover the interim, both at a real cost worth pricing out first.
Long-term care insurance: If a policy exists, read the residential care definition and the elimination period before choosing a home. Some policies pay only for licensed settings of a particular type, which can rule out a home you would otherwise pick.
VA Aid and Attendance: Wartime veterans and surviving spouses who need daily help may qualify for a monthly pension benefit on top of any other VA payment. It is underused, and the application takes months, so start it early rather than after a move.
Medicaid: Indiana PathWays for Aging is the Indiana program to ask about once savings are close to spent down. Room and board generally stays private pay either way.
Family contributions: Where siblings split the cost, write the arrangement down: who pays what, when it gets revisited, and what happens if someone's circumstances change. Verbal agreements are where family conflict starts.

Seven ways families pay → VA Aid and Attendance → Using a long-term care policy → When the money runs out →

Common questions about residential care facilities costs in Indiana

How much does a residential care facility cost in Indiana?: The median assisted living rate in Indiana is $5,639 a month, according to the CareScout (formerly Genworth) Cost of Care Survey, 2025. Small residential homes commonly price below that median because they run on lower overhead, but the rate rises with care needs. The only number that applies to your family is the one on a written rate sheet from the specific home.
Is a small care home cheaper than a large assisted living community in Indiana?: Often, though not always. Small homes carry less overhead, which usually shows up in a lower base rate. Large communities sometimes undercut that base rate to fill units, then charge separately for care levels, medication management, and incontinence care. Compare the all-in monthly figure for the level of care your parent actually needs, not the advertised starting rate.
How much more does memory care cost in Indiana?: There is no published memory care median for Indiana. Applying the national 25 percent memory care premium to the state assisted living median gives roughly $7,050 a month. Treat that as a planning estimate built from a national figure, not a measured Indiana rate.
Does Medicaid pay for residential care facilities in Indiana?: PathWays, Indiana's managed Medicaid program for adults 60 and over, can cover assisted living services. The program to ask about by name is Indiana PathWays for Aging. Room and board is generally not covered even when care services are. Eligibility rules and waitlists change, so confirm current terms with the state before you count on coverage.
What is usually not included in the monthly rate?: Most homes quote a base rate that covers the room, meals, housekeeping, laundry, and a set level of personal care. Medications, incontinence supplies, a private room upgrade, salon visits, transportation to appointments, and any move-in or community fee are commonly billed separately. Ask for the fee schedule in writing and ask what has triggered a rate increase for current residents.
How often do rates go up?: Annual increases are standard across the industry, and a rate can also rise mid-year when a resident's care level is reassessed. Before signing, ask for the last three years of increases at that specific home and ask what notice period the contract requires before a new rate takes effect.

Talk through your shortlist with an advisor

Connect with a senior living advisor at no cost to you →

AgeSong may receive a fee if you connect with a partner service.

Keep looking

Indiana directory → Estimate monthly costs → What residential care facilities are → All state directories →

Compare costs in nearby states

Rates shift across state lines, and families near a border often price both sides: Illinois, Kentucky, Michigan, Ohio.