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 Memory Care & Alzheimer’s Facility Costs by State

Explore specialized dementia care monthly pricing, security staffing premiums, and Medicaid coverage limits across all 50 states.

Memory care wings feature secured layouts, structured cognitive therapies, and 24-hour staff trained specifically in Alzheimer’s disease and dementia support. 2026 U.S. National Median: $7,560/mo.

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

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