Updated August 26, 2026. Quick answer: Ohio’s average private pay rate is $7,787 a month, effective September 1, 2024, up from $7,453.
Same question in other states: Maine MaineCare Transfer Penalty Divisor, Maryland Medicaid Transfer Penalty Divisor and 2026 Michigan Medicaid Divestment Divisor.
The figure Ohio publishes
| What the state lists | Figure |
|---|---|
| Average private pay rate from September 1, 2024 | $7,787 |
| Previous rate, last updated in 2022 | $7,453 |
How the penalty period is calculated
- Months of restricted Medicaid coverage beginning September 2024 or later use the current average private pay rate.
- Ohio states that the rate is updated every two years.
Once you have the figure above, the Medicaid penalty period calculator does the arithmetic. This page is the Ohio rate record; the calculator is the class parent.
What this page does not settle
- A new period of restricted coverage is not recomputed for someone already in a penalty period when the rate changes.
Eligibility is decided by the state agency on the whole file, not by this one number. Nothing here is legal advice, and no one should transfer, retitle or give away property on the strength of a worksheet.
Figures verified against Ohio Medicaid Eligibility Procedure Letter No. 181 on September 29, 2026; whether Ohio has issued a newer average private pay rate effective September 1, 2026 was not re-checked.
Source
Ohio Medicaid Eligibility Procedure Letter No. 181, Average Private Pay Rate — retrieved and checked against the state text on August 26, 2026.
Related: Ohio’s Medicaid Personal Needs Allowance; the amount a nursing-facility resident keeps from their own income each month.
Related: Ohio’s Medicaid home equity limit for a single applicant with no spouse or dependent child at home.
Related: use the Medicaid spend-down calculator to estimate how much you would need to spend down to qualify for long-term-care Medicaid in your state.