Gabrijelagal / Getty Images The most affordable state on average for long-term care is Texas and the most expensive on average is Alaska, but there is a lot of variation in between. Key Takeaways Americans can expect to pay anywhere from about $5,000 to$30,000 per month for nursing home care, depending on the market. Medicare covers 100% of the costs of nursing home care for only 20 days. After that, families must handle the costs. There are steps families can take to try to shield themselves from t ...