What a care home place in Bavaria costs in 2026
Bavaria ranks 9 of 16 states for care home co-payments: cheaper than the south-west, dearer than the east. The calculator uses the Bavarian average.
Checked by Radif Partners · Editorial policy · How we calculate
Monthly co-payment, Bavaria
€3,270
in month 1, supplement 15 %
| Care (EEE) after supplement | €1,857 |
|---|---|
| Board and lodging | €979 |
| Investment costs | €434 |
| Fund pays the home | €1,647 |
| Monthly gap after pension | €1,670 |
| Savings last until the protected amount | 20 months |
| Co-payments over the next 36 months | €104,619 |
| Year 1 (15 %) | €3,270 |
|---|---|
| Year 2 (30 %) | €2,943 |
| Year 3 (50 %) | €2,506 |
| Year 4 (75 %) | €1,959 |
Step-by-step calculation
- vdek average for Bavaria on 1 July 2026: EEE €2,185 (incl. training levy €123), board and lodging €979, investment costs €434.
- Month 1 in the home: supplement 15 % of the EEE = €327.75 (section 43c).
- Co-payment = €1,857.25 + €979 + €434 = €3,270.25.
- Bavaria pays a state care allowance of €500 per year from grade 2, also in a care home; not deducted here.
Estimate using the 2026 amounts in Book XI of the Social Code. Only the decision letter from your Pflegekasse is binding. How we calculate
Residents of Bavarian care homes paid an average of €3,270 a month themselves in their first year, after the 15 percent supplement from the long-term care fund, according to the vdek analysis of 1 July 2026. That total is made up of the home’s uniform care co-payment (EEE) of €2,185 before the supplement, including €123 of nursing training levy, €979 for board and lodging and €434 of investment costs for the building. Under section 43c of Book XI of the Social Code the supplement rises to 30, 50 and 75 percent of the care part with each year of residence, so from the fourth year the average falls to €1,959. Over the first three years a resident pays about €104,619. Since 1 January 2026 the first-year figure has risen by €74. Bavaria also pays its own state care allowance of €500 per year from care grade 2, including to people living in a care home.
Bavaria compared
| Component | Bavaria 1 Jul 2026 | Bavaria 1 Jan 2026 | Germany 1 Jul 2026 |
|---|---|---|---|
| Care co-payment EEE (before supplement) | €2,185 | €2,115 | €2,088 |
| of which training levy | €123 | €119 | €150 |
| Board and lodging | €979 | €965 | €1,068 |
| Investment costs | €434 | €433 | €521 |
| Co-payment, year 1 | €3,270 | €3,196 | €3,364 |
Board and lodging in Bavaria cost €89 less than the national average and investment costs €87 less. The care part, by contrast, is above the national figure at €2,185 and rose by €70 between January and July 2026. That is the part subsidised more with each year of residence, which is why the Bavarian co-payment drops by €1,311 a month between year one and year four.
The state allowance is not deducted here
The €500 a year comes from the Free State of Bavaria, not from the home or the fund (Bavarian State Office for Care). It does not reduce the home’s bill but is paid into the resident’s account, worth a little over €42 a month. Even residents receiving social assistance for care should apply.
When pension and savings are not enough
In Bavaria the districts (Bezirke) handle social assistance for care in homes. Children only contribute if their own annual income exceeds €100,000 (section 94(1a) SGB XII). Enter pension and savings in the calculator above to see how long savings last.