Understanding Long-Term Care Costs in Wisconsin
Wisconsin’s senior population continues to grow, increasing the demand for long-term care services. For many families, understanding the financial implications of long-term care is the first step in creating a solid plan. The costs are influenced by the type of care, the level of service required, and the specific location within the state.
The Cost of Nursing Home Care
Nursing homes provide the highest level of long-term care with 24/7 medical supervision. As of early 2025, the Wisconsin DHS reports monthly private pay rates, with a semi-private room costing $10,371.78. The 2024 Genworth survey estimated the annual median for a semi-private room at $120,815 ($10,068/month). For a private room, the 2024 annual median was $135,050 ($11,254/month), while September 2025 data suggests around $11,592 monthly. These figures can vary by facility and location.
The Cost of Assisted Living
Assisted living is a less intensive option for seniors needing help with daily tasks but not constant medical care. The 2024 Genworth survey found a median annual cost of $73,800 ($6,150/month) in Wisconsin. Costs depend on factors like room size, required care level, and location.
The Cost of Memory Care
Memory care, for individuals with dementia, is typically a specialized service within assisted living or nursing homes with added costs. According to 2022 data, the additional monthly cost in Wisconsin was estimated between $950 and $1,375. Reports from July 2024 indicate a range of $4,600 to $7,000 per month for memory care facilities.
The Cost of In-Home Care
In-home care allows seniors to receive services at home. Costs vary based on the service and hours needed.
According to Genworth/CareScout 2024 data:
- Homemaker services (cooking, cleaning) had a median annual cost of $82,368 ($6,864/month).
- Home health aides (personal care) had a median annual cost of $86,944 ($7,245/month).
Regional Variations in Wisconsin
Long-term care costs differ significantly by location. For example, assisted living in Manitowoc was reported at $4,126 per month in April 2025, lower than the state average. More urban areas like Milwaukee and Madison may have higher costs.
| Care Type | Wisconsin Average (Monthly) | Notes |
|---|---|---|
| Nursing Home (Semi-Private) | $10,371.78 (2025) | Based on Wisconsin DHS private pay rate. |
| Nursing Home (Private) | $11,592 (2025) | Based on SeniorLiving.org data. |
| Assisted Living | $6,150 (2024) | Median annual cost of $73,800 from Genworth. |
| Memory Care (add-on) | +$950 to $1,375 (2022 data) | Additional cost for specialized care. |
| Homemaker Services | $6,864 (2024) | Based on 44 hours/week, 2024 Genworth data. |
| Home Health Aide | $7,245 (2024) | Based on 44 hours/week, 2024 Genworth data. |
Ways to Pay for Long-Term Care
Paying for long-term care often involves combining personal funds, insurance, and government programs.
- Personal Funds: Many use savings or sell assets.
- Long-Term Care Insurance: Private policies can cover costs. Wisconsin's Long-Term Care Partnership Program allows asset protection when combined with Medicaid.
- Medicaid: Wisconsin Medicaid (BadgerCare) covers long-term care for eligible individuals through programs like Family Care and IRIS, but typically not room and board in assisted living.
- Hybrid Policies: Some policies combine life insurance or annuities with long-term care coverage.
Learn more about the Wisconsin Long-Term Care Partnership Program on the official Wisconsin DHS website.
Conclusion
Long-term care costs in Wisconsin are significant and vary by care type and location. Nursing homes are the most expensive, followed by memory care, assisted living, and in-home care. Planning is crucial, utilizing options like personal funds, long-term care insurance (including the Partnership Program), and Medicaid to manage costs and ensure access to future care.
