How Much Does a Personal Care Home Cost in Georgia, and Who Pays?

By Jadely Team · Last reviewed October 29, 2026

Illustration of a care home beside coins and a notepad, representing the cost of care.

Cost is usually the first thing families ask, and the hardest to get a straight answer on. Prices vary by home, by city and by how much help the resident needs. Here's what we can say with confidence, and how to get a real number for the home you're considering.

What the data says about assisted living

There's no single official statewide price for personal care homes, but there is solid data for the closest comparison, licensed assisted living communities. CareScout's 2025 Cost of Care Survey, which collected more than 25,000 rates from providers nationwide, found:

Georgia assisted living: about $60,600 a year, roughly $5,050 a month for a private one-bedroom (median). This is our monthly calculation from the published annual figure.
National assisted living: about $74,400 a year, roughly $6,200 a month.
Georgia nursing home (semi-private room): about $105,850 a year, roughly $8,820 a month.
Georgia adult day health care, 5 days a week: about $23,400 a year.

Georgia's assisted living cost is below the national median. Personal care homes are smaller and usually priced differently from assisted living communities, so treat these figures as a ceiling for comparison, not a quote. Individual homes vary widely, so get written pricing from each home you consider.

What the monthly fee usually includes

Room (private or shared) and meals
Supervision of medications
Help with bathing, dressing, grooming and toileting
Housekeeping and laundry (varies)
Activities

What can cost extra

Ask each home to put the following in writing:

Higher levels of help as needs increase
Incontinence supplies
Transportation to appointments
Special diets
Private room upgrade
Move-in or deposit fees
Medication management beyond the basics

A low base rate that rises with every added need can end up costing more than a higher flat rate. Ask what triggers a price change, and how much notice you'll get.

Who pays: the main options

1. Private pay. Most families pay from savings, income, retirement funds, long-term care insurance, or help from relatives.

2. Long-term care insurance. Some policies cover residential care. Call the insurer and ask whether a personal care home qualifies and what the benefit triggers are.

3. SSI. Residents who receive Supplemental Security Income may be able to use part of their benefit toward a home's room and board. The federal SSI maximum in 2026 is $994 a month for an individual. Whether and how a given home accepts SSI varies, so ask the home directly and get the arrangement in writing.

4. Medicaid. Georgia Medicaid's Elderly and Disabled Waiver Program (CCSP and SOURCE) serves people who meet a nursing facility level of care and lists services such as adult day care, alternative living services, personal care and home-delivered meals. The state's page doesn't spell out personal care home placement or room and board, so contact your local Aging and Disability Resource Connection (ADRC) to learn what applies to your family.

5. Medicare. Medicare generally doesn't pay for long-term custodial care, which is the main kind of help in a personal care home. It may cover certain short-term skilled care after a hospital stay.

6. Veterans benefits. Eligible veterans and surviving spouses may qualify for benefits that help with care costs. Ask a VA-accredited representative.

Questions to ask each home

What's the monthly rate, and what exactly does it include?
What other fees exist (deposit, move-in, supplies, transport)?
How and when can the rate increase?
Do you accept SSI or any Medicaid-related payment, and how does it work?
What happens if my relative runs out of money, or needs more care than you can provide?
What is the refund policy if we leave?

Ask for the answers in writing before you sign anything.

Find homes and compare

Browse care homes by city on Jadely's care home search and contact homes directly to ask for current pricing.

This article is general information, not financial, legal or medical advice. Prices and eligibility rules change. Confirm current costs with each home, and talk to a benefits counselor, elder law attorney or your local ADRC about your family's situation.