The national average daily rate for a private room in a nursing home is $229, while a semi private room is $205 up from $219 and $198 respectively in 2009. Privately paying for long-term care means that senior would have to find an additional $28,560- $100,000 per year in their budget for just one person to receive care. Most of us, seniors or not, could not afford to privately pay for long-term care year after year.