2026 National Senior Care Cost Index • Updated with U.S. Census ACS & CMS Medicare Data Covering 51 States & DC • 29,639 Cities • 14,676 CMS Facilities
Independent 2026 Elder Care Pricing Directory

Find Senior Living & Elder Care Costs Near You

Compare transparent, county-adjusted monthly rates for Assisted Living, Memory Care, Home Care, and 14,676 CMS-rated Nursing Homes across the United States.

How CheckCareCost Calculates Local Rates

State averages hide massive county-by-county differences. We combine federal housing, wage, and Medicare facility datasets to give families realistic budget expectations.

Read our full 2026 Data Methodology →
1

U.S. Census Economics

County-level median rent and household income across 3,141 U.S. counties adjust local real estate and caregiver labor overhead.

2

CMS Medicare Registry

Official bed capacity, ownership structure, and 5-star quality ratings for 14,676 certified nursing facilities.

3

Medicaid & Equity Math

Compare monthly care tiers against 2026 state Medicaid income caps ($2,901/mo) and local home equity.

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

1. Select Care Setting & Schedule
Assisted Living$6,200/mo
Memory Care$7,560/mo
Home Care$35.00/hr
Nursing Semi$9,581/mo
Nursing Priv$10,798/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/mo)
LTC Insurance / VA Benefit ($/mo)
VA Aid & Attendance up to $2,358/mo
3. Capital & Home Equity Reserves
Liquid Savings & IRA ($)
Home Value / Equity ($) Net: $316k
Auto-deducts 7% realtor & closing costs
Total Projected Care Cost
$0
Year 1 → Year 3
Net Out-of-Pocket Gap
$0
Initial monthly shortfall: $0/mo
Annual Care Cost vs. Remaining Capital End Balance: $0
Annual Care Cost (Inflation-Adjusted) Remaining Net Capital

Most & Least Expensive States in Our Database (2026)

Live comparison from our 51-state database against the $6,200/mo U.S. median.

California $8,300/mo
Hawaii $8,180/mo
U.S. National Median$6,200/mo
Louisiana $4,650/mo
Mississippi $4,650/mo

Comprehensive Federal & County Coverage

Every city page cross-references local U.S. Census ACS 5-Year economic records with nearby Medicare-certified providers so families can compare local options objectively.

29,639U.S. cities in DB
14,676CMS facilities
3,141Counties mapped

Understanding Long-Term Care Funding

Most families fund senior living through private savings, home sale proceeds, long-term care insurance, VA Aid & Attendance benefits, or state Medicaid waivers.

$2,9012026 Medicaid cap
5 TiersCare levels modeled
100%Public federal data

Browse 2026 Senior Care Costs by State

Select any of the 51 states and D.C. to explore city-by-city rates, county affordability data, and CMS facility star ratings.

Frequently Asked Questions

Key answers on 2026 senior living pricing, Medicare coverage, and Medicaid rules.

The 2026 U.S. national median for assisted living is $6,200 per month ($74,400 annually). Rates vary significantly by county housing and wage levels—from $4,650/mo in Louisiana to $8,330/mo in District of Columbia.
Original Medicare does not cover custodial room and board in assisted living communities or long-term nursing home stays. Medicare Part A only covers short-term skilled nursing rehabilitation (up to 100 days) following a qualifying 3-day inpatient hospital stay.
In most income-cap states, the 2026 individual monthly income cap for Medicaid nursing home and Home & Community-Based Services (HCBS) waivers is $2,901 per month (300% of the Federal Benefit Rate), alongside a $2,000 countable asset limit.
We combine national 2026 long-term care benchmarks with official U.S. Census Bureau ACS 5-Year county median rent and household income indices, cross-referenced with 14,676 CMS Medicare-certified nursing facilities. Full details are published on our Methodology page.