Aging in Place vs. Assisted Living Calculator
Compare the cumulative cost of staying in your home (with care and modifications) against moving to an assisted-living facility.
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Staying home with in-home care and modifications can cost less than assisted living — or more, depending on care needs. Comparing cumulative cost over several years helps you plan.
Many families use home equity to fund the care and modifications that make aging in place possible.
Frequently asked questions
Is aging in place cheaper?
Sometimes — for lighter needs it’s often less; intensive care can cost more than a facility.
How can I pay to age in place?
Savings, long-term care insurance, family support, and home equity via a reverse mortgage.
What costs should I include?
In-home care, maintenance, taxes, insurance, and safety modifications.
Related calculators
Long-Term Care Cost
Estimate long-term care costs by care type, region, and duration.
Open calculator →In-Home Care Cost
Build a monthly and annual estimate from the hours of help you need.
Open calculator →Home Modification Cost
Budget the safety upgrades that let you stay home as you age.
Open calculator →What this calculates
Compares projected costs of aging in place (with care and modifications) against assisted living.
Assumptions & methodology
- Excludes non-financial factors like family support.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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