Albany Senior AdvisorWhat does assisted living cost in New York?
CareScout's 2025 New York median is $7,110 a month, $85,320 a year; no Albany-specific figure is published.
| Type of care (New York, 2025) | Annual median | Roughly per month | Rate | National annual median |
|---|---|---|---|---|
| Assisted living community | $85,320 | $7,110 | $225 | $74,400 |
| Nursing home, semi-private room | $186,333 | $15,528 | $511 | $114,975 |
| Nursing home, private room | $200,750 | $16,729 | $550 | $129,575 |
| Non-medical caregiver, 44 hrs/week | $80,080 | $6,673 | $35/hour | $80,080 |
| Adult day health care, 5 days/week | $37,440 | $3,120 | $144/day | $24,700 |
CareScout Cost of Care Survey 2025, Median Cost Data Tables (survey July-November 2025, published March 2, 2026). CareScout publishes New York statewide medians only; it publishes no Albany, Capital Region or memory care figure.
Does Medicaid pay for assisted living in New York?
Not for room and board; Medicaid pays for care only in Assisted Living Program beds, for people who meet nursing-home level of care.
Per the 2026 Q2 capacity report, 15 Capital Region residences hold Assisted Living Program beds, 774 in total: Promenade at University Place (169), The Eliot at Troy, LLC (95), The Pines at Heartwood (86), The Eliot at Catskill (58), Adirondack Manor HFA D.B.A Adirondack Manor HFA ALP (54), Ghent Assisted Living (49), Home Sweet Home on the Hudson (48), Danforth Adult Care Center (42), The Mansion at South Union (40), Marchand at Sharon Springs (36), Argyle Center for Independent Living (35), Home Sweet Home of Athens (24), Camphill Ghent, Inc. (18), Ingersoll Place (10), Judson Meadows (10).
What are New York's 2026 Medicaid limits?
$1,836 a month in income and $33,038 in resources for a single person; $2,489 and $44,796 for a couple.
| New York Medicaid, 2026 (age 65+, blind or disabled) | One person | Married couple |
|---|---|---|
| Income level per month | $1,836 | $2,489 |
| Resource limit | $33,038 | $44,796 |
Source: NYSDOH GIS 26 MA/05, Income and Resource Standards for Non-MAGI Population, effective January 1, 2026 (rev. 2/5/2026).
What is the transfer penalty rate for the Capital Region?
$14,783 a month in 2026, the Northeastern region rate set in Department of Health GIS 25 MA/14.
Each transfer within 60 months is divided by that figure to set the penalty months.
How much can a spouse keep?
Between $74,820 and $162,660 in resources in 2026, plus income up to $4,066.50 a month.
| New York spousal figure, 2026 | Amount |
|---|---|
| Resource allowance for the spouse at home, state minimum | $74,820 |
| Resource allowance for the spouse at home, federal maximum | $162,660 |
| Minimum monthly maintenance needs allowance | $4,066.50 |
| Personal needs allowance, nursing home resident | $50 |
Source: NYSDOH GIS 26 MA/03, 2026 Medicaid Levels and Other Updates (January 23, 2026).
Where do we apply for Medicaid?
At the Department of Social Services in the county where your parent lives; community long-term care also requires an assessment through the New York Independent Assessor, 855-222-8350.
The county Office for the Aging can explain the steps for free.
Side by side
| Medicaid in New York does | Medicaid in New York does not | |
|---|---|---|
| Nursing homes | Pay for eligible residents | Pay without a look-back |
| Assisted living | Pay for ALP services | Pay rent |
| Home care | Pay through MLTC, CDPAP, PACE | Pay without an assessment |
Every answer here comes from New York law or regulation, a Department of Health publication, CMS, the VA, a county Office for the Aging or CareScout's 2025 cost survey. When a figure changes, we update the answer together with the reference page it links to, and where no published number exists we say so rather than estimate.
