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Editorial guide

Funding6 min readPublished on 22/07/2026

State Veterans Homes vs. Private Nursing Homes: Options for Veterans

Veterans have a care option most families never hear about — state-run veterans homes, separate from both the VA hospital system and private nursing homes, often at a fraction of the cost.

Why this article matters

Built to reduce uncertainty for families who need to understand costs, urgency, waiting lists and real options.

Veterans looking for nursing-home care have an option that is neither a private facility nor a VA medical center: state veterans homes, a network of nursing facilities run by individual states, partly funded by the federal VA, and specifically built to serve veterans (and in many states, their spouses).

What a state veterans home is

Nearly every state operates at least one state veterans home, providing nursing-home-level care, often at a significantly lower cost to the veteran than a comparable private facility, because the VA covers a substantial portion of the daily rate through a per-diem payment to the state.

Eligibility basics

Eligibility generally requires an honorable or general discharge and state residency requirements that vary by state; many state veterans homes also admit spouses, though often at a different rate or level of priority. Contact the specific state veterans home directly, or the state’s department of veterans affairs, to confirm current eligibility rules — these details vary enough between states that assuming based on another state’s rules is a common mistake.

How this differs from VA Aid and Attendance

State veterans homes are a place of care; VA Aid and Attendance (covered in our separate guide) is a cash benefit that helps pay for care wherever it is received, including a private nursing home. The two are not mutually exclusive — a veteran can potentially use Aid and Attendance funds toward costs at a state veterans home too, depending on the specific arrangement.

Waitlists are common

Because state veterans homes are often significantly less expensive, they frequently have waitlists longer than private facilities. If time is tight, apply to a state veterans home while simultaneously pursuing private options rather than waiting to see the outcome first — you can always decline a private placement if a veterans home bed opens up sooner than expected.

How to start the application

Contact your state’s department of veterans affairs (distinct from the federal VA) for the list of state veterans homes and their current application process, and ask your county veterans service officer — a free, often underused resource — to help navigate the paperwork.

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Important limit

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