The Best Home Care Agencies for Seniors in Fargo, ND for 2025

Fargo’s average home care cost of $5,690 per month is virtually on par with the North Dakota median, according to Genworth Financial’s 2021 Cost of Care Survey. This estimate is also identical to Grand Forks and around $700 more than the U.S. average, which is $4,957. Both Fargo and Grand Forks are considered average-priced compared to Bismarck at $7,823, which costs seniors over $2,100 more per month. In North Dakota’s neighboring states, St. Cloud in Minnesota and Sioux Falls in South Dakota have home care costs over $6,000 and are more expensive than Fargo by around $300-$400.

Both home care and home health care in Fargo have comparable costs at $5,690 per month, with the latter option having some form of clinical support such as intermittent nursing care. Assisted living is considerably cheap at $3,840, as it already covers 24-hour supervision and monthly room and board. Seniors in need of 24/7 institutional care can expect to pay $11,693 monthly for semiprivate room nursing home care.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.