Private pay
Many families pay for care with private funds: personal savings, pension payments, retirement accounts, or a combination of these and family contributions.
By BoomersHub EditorialReviewed by BoomersHub Senior Living AdvisorsUpdated
Compare communities across 23 cities and 1 counties. Vermont averages $661 per month for home care, and BoomersHub advisors help you shortlist, confirm pricing, and book tours for free.
Vermont is an excellent choice for senior living. A pleasant climate, rich history, and diverse culture make it an attractive retirement destination — plenty of open space, but with real cities and their medical hubs within reach. Home Care care is available in and around every metro, from small residential care homes to full-campus communities. This guide walks through what Home Care in Vermont costs, how families pay for it, the state's licensing rules, and how to shortlist communities without doing the legwork alone.
Start with a major metro, or jump straight to your town in the A–Z directory. Every link opens that city's home care options.
Browse home care by county
The average cost of home care in Vermont is $661 per month. Your actual rate depends on the city, apartment size, and level of care, which is what our advisors confirm for you before you tour.
State averages. Individual community rates vary by city, floor plan, and care level.
Average monthly cost in Vermont by care type. Tap any card to explore that care type across the state.
$8,597/mo
Housing, meals, and daily-living support
Explore in Vermont$6,878/mo
Community + amenities, no daily care
Explore in Vermont$10,746/mo
24/7 dementia-specialized care
Explore in Vermont$15,528/mo
Skilled nursing and rehabilitation
Explore in Vermont$661/mo
Caregivers in the senior’s own home
Vermont state averages. Bars are scaled to the highest cost shown.
Most Vermont families combine two or three of these. An advisor walks through which apply to your situation.
Many families pay for care with private funds: personal savings, pension payments, retirement accounts, or a combination of these and family contributions.
Selling a parent's home can help finance home care, especially once the home is no longer occupied. Proceeds often fund several years of care.
Homeowners aged 62+ can convert part of their home equity into cash while retaining ownership, with no loan payments due while living in the home. A spouse may remain in the home while proceeds help pay for a partner's care.
LTC policies typically begin paying out when the policyholder needs help with two or more activities of daily living, such as bathing, dressing, or eating. Check the policy's elimination period and daily benefit before counting on it.
Veterans with at least 90 days of active duty (including one day during wartime) may qualify for VA benefits such as Aid & Attendance, which can add a monthly amount on top of a VA pension.
Vermont Medicaid covers care in participating communities through two routes: Choices for Care (its long-term-care program, whose Enhanced Residential Care option serves assisted living residences and Level III residential care homes) and Assistive Community Care Services for residents who need less than nursing-home-level care. Neither pays for room and board, so ask each Vermont community what benefits they accept before you tour.
Choices for Care detailsEvery home care community in Vermont is licensed and inspected by Vermont DAIL Division of Licensing and Protection. Vermont licenses 2 settings — see the cards below for what each covers. Communities must meet standards for staffing, caregiver training, medication administration, and building safety, with managers and staff completing continuing in-service training each year.
Assisted Living Residences (ALR)
Apartment-style residences that combine housing, meals, personal care, and nursing overview for residents who need daily help but not nursing-home-level care.
Residential Care Homes (Level III / IV)
Home-like settings licensed for personal care and, in Level III, some nursing overview. Several Burlington-area communities are RCHs, so ask which license a community holds when you tour.
Verify any Vermont community
Age Well
Vermont Association of Area Agencies on Aging
Area Agency on Aging for Northeastern Vermont
Vermont Association of Area Agencies on Aging
Central Vermont Council on Aging
Vermont Association of Area Agencies on Aging
Southwestern Vermont Council on Aging
Vermont Association of Area Agencies on Aging
Vermont Department of Disabilities, Aging, and Independent Living
Vermont Association of Area Agencies on Aging
The Vermont median for Home Care is set by the 2025 industry cost-of-care survey. Where a state lands depends on labour costs, cost of living, and the mix of urban vs rural communities. Your actual rate depends on the city, apartment size, and level of care — an advisor confirms current pricing for any community you're considering, free.
Searching Vermont alone is overwhelming. Our advisors know the home care communities, the real pricing, and the availability across Vermont, and they do the legwork for you.
Guides written for families starting the search, from first conversations to moving day.
Start with an honest family conversation and a needs assessment from their physician. Tour two or three Vermont communities together, ask about care levels and pricing, then complete the community's health assessment and residency agreement. A BoomersHub advisor can shortlist communities, confirm pricing, and schedule tours for free.
Pet-friendly Home Care communities welcome residents' cats, small dogs, or other companion animals, usually with size limits, a pet deposit, and the expectation that the resident or family can care for the pet. Ask each Vermont community for its written pet policy before move-in.
Over 30,000 licensed Home Care communities across the United States, housing more than 800,000 residents (AHCA / NCAL industry data). Ranges from large resort-style campuses to small residential care homes.
Large states lead the count: California, Florida, and Texas consistently rank among the top states for the number of licensed Home Care communities.
Southern and Midwestern states consistently rank among the most affordable for Home Care — Mississippi, Alabama, Arkansas, North Dakota, and South Dakota all sit well below the national median. New England, the West Coast, and Alaska are the expensive end.
The average Home Care resident is in their mid-80s. A typical resident needs help with 2 or 3 daily activities — bathing, dressing, medication management. Many move in after living alone became difficult rather than after a single medical event.
Many Vermont communities allow pets — most commonly cats and small dogs, subject to the community's pet policy. Expect size or breed limits, a pet deposit, and a check that the resident or family can handle daily pet care.
Usually not. The base monthly rate typically covers housing, meals, housekeeping, activities, and help with daily activities. Medical services (doctor visits, therapy, medications) are billed separately, often through Medicare or private insurance. Ask each community exactly where its rate ends and medical billing begins.
Yes. Family and friends are welcome at Vermont Home Care communities, subject to reasonable visiting hours and sign-in policies. Many communities also host family dinners, holiday events, and overnight guest options.
Partially. Vermont Medicaid programs (HCBS waivers) can cover personal-care services in participating Home Care facilities for eligible lower-income seniors. Waivers do not pay for room and board, and not every community participates, so confirm before touring.
Tell us what matters to your family. A local advisor sends a matched shortlist with confirmed pricing, free.