How Much Does Long-Term Care Insurance Cost in Durham, NC?
Durham pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Durham's diversified economy.See our methodology
Long-Term Care Insurance Pricing in Durham, NC
Durham offers near-average pricing for long-term care insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 280K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in long-term care insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Durham: growing market with competitive contractor rates.
Durham has moderate permitting requirements. Depending on the scope of your long-term care insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Durham vs National Average
What Affects Long-Term Care Insurance Cost in Durham?
Age
Age 50: $100-$200/month. Age 60: $200-$400/month. Age 70: $400-$800+/month
Coverage
$150/day for 3 years: $100-$250/month. $250/day for 5 years: $200-$500/month. Unlimited: $400-$800+/month
Durham Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
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Top-Rated Long-Term Care Insurance Pros in Durham, NC
7 providersPremier HVAC Solutions
⭐ PREMIUMServing Durham and surrounding areas since 2000. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro HVAC Solutions
⭐ PREMIUMServing Durham and surrounding areas since 1992. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Home Services
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Tips to Save on Long-Term Care Insurance in Durham
- 1.Buy in your 50s — premiums double every 10 years of delayed purchase
- 2.Couples discounts save 20-30%
- 3.Shared-care policies let couples share a pool of benefits
- 4.Hybrid life/LTC policies offer both death benefit and LTC coverage
📈 Long-Term Care Insurance in Durham Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $202 | — |
| 2021 | $211 | +4.5% |
| 2022 | $225 | +6.6% |
| 2023 | $231 | +2.7% |
| 2024 | $238 | +3.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Long-Term Care Insurance in Durham
Recent Reports
Frequently Asked Questions
At what age should I buy long-term care insurance?
The sweet spot is ages 55-65. Buying earlier means lower premiums but more years of paying. After 65, premiums increase dramatically and you may not qualify if health issues arise.
Why does long-term care insurance cost different in Durham than other cities?
Durham's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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