The old saw about “what goes up must come down” obviously wasn’t coined by someone thinking about the costs of long-term care.

According to Genworth’s 12th annual study on the cost of LTC, costs are still on the rise, which is undoubtedly no surprise to anyone who’s had to deal with it, either personally or on behalf of a client.

However, care at home is still cheaper than in any kind of facility, which is borne out by the latest study. Those who just need a little help, such as that provided by a homemaker or home health aide, will find that the national median hourly rate for such care is just $20 per hour, and that rate has grown far more slowly over the past five years than the costs for any facility-provided care.

The cost for the care of a homemaker has seen a 2.63% increase during 2014, but the five-year annual growth of a homemaker’s cost has just been 1.61%. For home health aides, the cost rose 1.27% during 2014, with a five-year annual growth of only 1.03%.

In contrast, Genworth found that the cost of an assisted living facility has experienced a five-year annual growth of 2.48%, while over the past five years the annual cost for a private room in a nursing home has risen 3.95%.

(Check out last year’s rankings: Top 15 Cheapest States for Long-Term Care Costs: 2014 and Top 15 Most Expensive States for Long-Term Care: 2014.)

The cost of care can be pretty scary, particularly if one has no coverage for it — Medicare does not cover LTC costs, although many people believe it does, and Medicaid only kicks in when one’s assets have already been depleted.

Genworth measured average yearly costs of adult day care, licensed home care, assisted living and nursing home private rooms. Keep reading for the 15 cheapest states for long-term care, ranked by average annual cost across categories:

Mormon Temple in Salt Lake City. (Photo: AP)

15. Utah

Average Annual Cost: $45,960

Adult day care: $23,140

Licensed home care: $48,048

Assisted living: $36,000

Nursing home (private room): $76,650

The Corn Palace in Mitchell, South Dakota. (Photo: AP)

14. South Dakota

Average Annual Cost: $45,535

Adult day care: $18,720

Licensed home care: $49,764

Assisted living: $36,276

Nursing home (private room): $77,380

Kansas road sign.

13. Kansas

Average Annual Cost: $45,044

Adult day care: $20,800

Licensed home care: $43,426

Assisted living: $50,250

Nursing home (private room): $65,700

Julien Dubuque's grave in Dubuque.

12. Iowa

Average Annual Cost: $44,300

Adult day care: $15,600

Licensed home care: $51,343

Assisted living: $42,000

Nursing home (private room): $68,255

Graceland in Memphis. (Photo: AP)

11. Tennessee

Average Annual Cost: $43,280

Adult day care: $16,120

Licensed home care: $40,704

Assisted living: $40,740

Nursing home (private room): $75,555

Lynx train travels toward downtown in Charlotte. (Photo: AP)

10. North Carolina

Average Annual Cost: $42,856

Adult day care: $13,260

Licensed home care: $40,040

Assisted living: $36,000

Nursing home (private room): $82,125

Myrtle Beach Boardwalk. (Photo: AP)

9. South Carolina

Average Annual Cost: $42,018

Adult day care: $14,381

Licensed home care: $41,184

Assisted living: $37,500

Nursing home (private room): $75,008

Mississippi flags at State Capitol in Jackson. (Photo: AP)

8. Mississippi

Average Annual Cost: $40,952

Adult day care: $9,100

Licensed home care: $36,608

Assisted living: $37,800

Nursing home (private room): $80,300

River Walk in San Antonio. (Photo: AP)

7. Texas

Average Annual Cost: $40,647

Adult day care: $9,100

Licensed home care: $42,328

Assisted living: $42,540

Nursing home (private room): $68,620

The World of Coke in Atlanta. (Photo: AP)

6. Georgia

Average Annual Cost: $40,630

Adult day care: $15,600

Licensed home care: $41,184

Assisted living: $34,560

Nursing home (private room): $71,175

Little Rock River Market District (Photo: AP)

5. Arkansas

Average Annual Cost: $40,574

Adult day care: $20,800

Licensed home care: $38,896

Assisted living: $36,750

Nursing home (private room): $65,850

Tulsa skyline.

4. Oklahoma

Average Annual Cost: $39,848

Adult day care: $15,600

Licensed home care: $43,426

Assisted living: $40,140

Nursing home (private room): $60,225

The Alabama Capitol sits in the background of the Court Square Fountain in downtown Montgomery. (Photo: AP)

3. Alabama

Average Annual Cost: $39,800

Adult day care: $9,425

Licensed home care: $36,608

Assisted living: $36,900

Nursing home (private room): $76,267

Saint Louis Gateway Arch.

2. Missouri

Average Annual Cost: $38,835

Adult day care: $20,795

Licensed home care: $43,472

Assisted living: $30,300

Nursing home (private room): $60,773

Mardi Gras in New Orleans. (Photo: AP)

1. Louisiana

Average Annual Cost: $37,185

Adult day care: $16,250

Licensed home care: $34,320

Assisted living: $36,120

Nursing home (private room): $62,050

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