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

2026 In-Home Caregiver & Home Health Aide Rates by State

Compare hourly caregiver wages and 44-hour weekly home care budgets across every U.S. state and major metro area.

In-home care allows older adults to age in place with non-medical assistance including bathing, meal preparation, companionship, and transportation. 2026 U.S. National Median: $35.00/hr.

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$10,798/mo
Weekly Caregiver Hours 44 hrs/wk
44 hrs/wk = full-time aide; 168 = 24/7 live-in
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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

State-by-State Comparison Table (2026)

Click any state below to explore city-level rates, county Census metrics, and local CMS facilities.

State Assisted Living Memory Care Home Care (Hourly / Mo) Nursing Home (Semi / Priv) Medicaid Cap CMS Facilities
Alabama $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 224
Alaska $6,380/mo $7,780/mo $36.00/hr ($6,860/mo) $9,850 / $11,110/mo $2,901/mo 20
Arizona $6,170/mo $7,530/mo $34.85/hr ($6,640/mo) $9,540 / $10,750/mo $2,901/mo 140
Arkansas $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 222
California $8,300/mo $10,130/mo $46.88/hr ($8,940/mo) $12,830 / $14,460/mo $2,901/mo 1,165
Colorado $7,320/mo $8,930/mo $41.33/hr ($7,880/mo) $11,310 / $12,750/mo $2,901/mo 210
Connecticut $6,870/mo $8,380/mo $38.77/hr ($7,390/mo) $10,610 / $11,960/mo $2,901/mo 191
Delaware $6,090/mo $7,430/mo $34.40/hr ($6,560/mo) $9,420 / $10,610/mo $2,901/mo 44
District of Columbia $8,330/mo $10,160/mo $47.00/hr ($8,960/mo) $12,870 / $14,500/mo $2,901/mo 16
Florida $6,340/mo $7,730/mo $35.80/hr ($6,830/mo) $9,800 / $11,050/mo $2,901/mo 694
Georgia $5,880/mo $7,170/mo $33.17/hr ($6,320/mo) $9,080 / $10,230/mo $2,901/mo 356
Hawaii $8,180/mo $9,980/mo $46.18/hr ($8,800/mo) $12,640 / $14,250/mo $2,901/mo 43
Idaho $5,390/mo $6,580/mo $30.45/hr ($5,810/mo) $8,340 / $9,400/mo $2,901/mo 80
Illinois $5,890/mo $7,190/mo $33.24/hr ($6,340/mo) $9,100 / $10,250/mo $2,901/mo 664
Indiana $4,910/mo $5,990/mo $27.72/hr ($5,280/mo) $7,590 / $8,550/mo $2,901/mo 507
Iowa $4,740/mo $5,780/mo $26.76/hr ($5,100/mo) $7,330 / $8,260/mo $2,901/mo 387
Kansas $5,020/mo $6,120/mo $28.33/hr ($5,400/mo) $7,760 / $8,740/mo $2,901/mo 296
Kentucky $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 266
Louisiana $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 265
Maine $5,190/mo $6,330/mo $29.29/hr ($5,580/mo) $8,020 / $9,040/mo $2,901/mo 78
Maryland $7,700/mo $9,390/mo $43.47/hr ($8,290/mo) $11,900 / $13,410/mo $2,901/mo 221
Massachusetts $7,750/mo $9,460/mo $43.75/hr ($8,340/mo) $11,980 / $13,500/mo $2,901/mo 341
Michigan $5,070/mo $6,190/mo $28.63/hr ($5,460/mo) $7,840 / $8,830/mo $2,901/mo 422
Minnesota $6,010/mo $7,330/mo $33.95/hr ($6,470/mo) $9,290 / $10,470/mo $2,901/mo 337
Mississippi $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 202
Missouri $4,810/mo $5,870/mo $27.17/hr ($5,180/mo) $7,440 / $8,380/mo $2,901/mo 486
Montana $4,870/mo $5,940/mo $27.51/hr ($5,240/mo) $7,530 / $8,490/mo $2,901/mo 61
Nebraska $5,030/mo $6,140/mo $28.42/hr ($5,420/mo) $7,780 / $8,770/mo $2,901/mo 180
Nevada $6,270/mo $7,650/mo $35.37/hr ($6,740/mo) $9,680 / $10,910/mo $2,901/mo 66
New Hampshire $6,740/mo $8,220/mo $38.08/hr ($7,260/mo) $10,420 / $11,750/mo $2,901/mo 73
New Jersey $7,540/mo $9,200/mo $42.59/hr ($8,120/mo) $11,660 / $13,140/mo $2,901/mo 348
New Mexico $4,680/mo $5,710/mo $26.42/hr ($5,040/mo) $7,230 / $8,150/mo $2,901/mo 68
New York $7,080/mo $8,640/mo $39.95/hr ($7,620/mo) $10,940 / $12,320/mo $2,901/mo 592
North Carolina $5,250/mo $6,400/mo $29.66/hr ($5,650/mo) $8,120 / $9,150/mo $2,901/mo 419
North Dakota $4,750/mo $5,800/mo $26.82/hr ($5,110/mo) $7,340 / $8,280/mo $2,901/mo 72
Ohio $4,800/mo $5,860/mo $27.08/hr ($5,160/mo) $7,410 / $8,360/mo $2,901/mo 924
Oklahoma $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 283
Oregon $6,330/mo $7,720/mo $35.75/hr ($6,820/mo) $9,790 / $11,030/mo $2,901/mo 128
Pennsylvania $5,540/mo $6,760/mo $31.26/hr ($5,960/mo) $8,560 / $9,650/mo $2,901/mo 656
Rhode Island $6,080/mo $7,420/mo $34.32/hr ($6,540/mo) $9,400 / $10,590/mo $2,901/mo 72
South Carolina $5,080/mo $6,200/mo $28.67/hr ($5,470/mo) $7,850 / $8,850/mo $2,901/mo 187
South Dakota $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 96
Tennessee $5,070/mo $6,190/mo $28.64/hr ($5,460/mo) $7,840 / $8,830/mo $2,901/mo 303
Texas $5,920/mo $7,220/mo $33.43/hr ($6,370/mo) $9,150 / $10,310/mo $2,901/mo 1,177
Utah $6,570/mo $8,020/mo $37.06/hr ($7,070/mo) $10,150 / $11,430/mo $2,901/mo 97
Vermont $5,640/mo $6,880/mo $31.83/hr ($6,070/mo) $8,710 / $9,820/mo $2,901/mo 33
Virginia $7,170/mo $8,750/mo $40.48/hr ($7,720/mo) $11,080 / $12,490/mo $2,901/mo 289
Washington $7,370/mo $8,990/mo $41.63/hr ($7,940/mo) $11,390 / $12,840/mo $2,901/mo 193
West Virginia $4,650/mo $5,670/mo $26.25/hr ($5,000/mo) $7,190 / $8,100/mo $2,901/mo 123
Wisconsin $5,090/mo $6,210/mo $28.75/hr ($5,480/mo) $7,870 / $8,870/mo $2,901/mo 323
Wyoming $4,920/mo $6,000/mo $27.78/hr ($5,300/mo) $7,610 / $8,570/mo $2,901/mo 36