Most people would rather age at home than move to assisted living — but the house may need work first. Price the modifications, add any paid care, and compare against the move.
Price your plan to stay home
Check the modifications the house needs, add any paid care hours, and see how staying home stacks up against assisted living.
Ranges are national ballparks, not quotes. Labor markets, house age, and scope swing these numbers wildly — get at least two local contractor quotes before budgeting.
Veterans: the VA's Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants can cover some modifications for qualifying service-connected disabilities. Check va.gov and verify eligibility — don't assume.
Taxes: medically necessary home improvements can sometimes be deducted as medical expenses. That's a question for a tax professional, not this planner.
Care costs rise. This math uses today's rates held flat; real care costs tend to climb. Treat the 5-year comparison as a sketch, not a forecast.
This is planning math, not a contractor quote and not financial advice.
Honed Proof provides health information for general purposes only — not medical advice, diagnosis, or treatment. Always talk to a qualified health professional about your own care.
Honed Proof