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 Senior Living & Nursing Home Costs in Alaska

Compare monthly care rates across 229 cities and 20 CMS-certified nursing facilities in Alaska.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 20 Avg. Home Value: $220,397
Assisted Living🏠
$6,380/mo
$76,560/year
+3% vs U.S. avg
Memory Care🧠
$7,780/mo
$93,360/year
+3% vs U.S. avg
Home Care (44h/wk)🤝
$6,860/mo
$36.00 per hour
+3% vs U.S. avg
Nursing Home (Semi)🏥
$9,850/mo
Private room: $11,110/mo
+3% vs U.S. avg

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$6,380/mo
Memory Care$7,780/mo
Home Care$36.00/hr
Nursing Semi$9,850/mo
Nursing Priv$11,110/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $205k
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
2026 Cost Crossover Analysis

Home Care vs. Assisted Living Break-Even Point in Alaska

40.9 hrs/wk Break-even threshold

At Alaska's average caregiver rate of $36.00/hr, hiring in-home care equals the $6,380/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.9 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$3,120/mo

Saves $3,260/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,863 vs. $6,380/mo

Full-time home care costs $483/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,479/mo

Assisted Living saves $6,099/mo; Memory Care averages $7,780/mo.

Major Cities in Alaska

Sorted by number of Medicare-certified care facilities and local market size.

City County Assisted Living Memory Care Nursing Home (Semi) Median Home Value CMS Facilities
Anchorage Anchorage $6,880/mo $8,390/mo $10,630/mo $375,900 3
Bethel Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 1
Cordova Valdez Cordova $6,380/mo $7,780/mo $9,860/mo $326,239 1
Fairbanks Fairbanks North Star $6,390/mo $7,800/mo $9,880/mo $282,500 1
Homer Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 1
Juneau Juneau $6,970/mo $8,500/mo $10,770/mo $432,500 1
Ketchikan Ketchikan Gateway $6,430/mo $7,840/mo $9,940/mo $379,000 1
Kodiak Kodiak Island $7,020/mo $8,560/mo $10,850/mo $382,700 1
Kotzebue Northwest Arctic $6,050/mo $7,380/mo $9,350/mo $162,500 1
Nome Nome $5,890/mo $7,190/mo $9,100/mo $201,000 1
Palmer Matanuska Susitna $6,120/mo $7,470/mo $9,460/mo $319,200 1
Petersburg Wrangell Petersburg $6,380/mo $7,780/mo $9,860/mo $326,239 1
Seward Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 1
Sitka Sitka $6,690/mo $8,160/mo $10,340/mo $442,100 1
Soldotna Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 1
Valdez Valdez Cordova $6,380/mo $7,780/mo $9,860/mo $326,239 1
Wasilla Matanuska Susitna $6,120/mo $7,470/mo $9,460/mo $319,200 1
Wrangell Wrangell Petersburg $6,380/mo $7,780/mo $9,860/mo $326,239 1
Adak Aleutians West $8,320/mo $10,150/mo $12,860/mo $419,100 0
Akiachak Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Akiak Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Akutan Aleutians East $5,000/mo $6,100/mo $7,720/mo $144,300 0
Alakanuk Kusilvak $4,340/mo $5,290/mo $6,710/mo $72,700 0
Aleknagik Dillingham $5,160/mo $6,300/mo $7,980/mo $163,800 0
Allakaket Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Ambler Northwest Arctic $6,050/mo $7,380/mo $9,350/mo $162,500 0
Anaktuvuk Pass North Slope $5,750/mo $7,020/mo $8,880/mo $219,600 0
Anchor Point Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 0
Anderson Denali $5,210/mo $6,360/mo $8,050/mo $262,000 0
Angoon Skagway Hoonah Angoon $6,380/mo $7,780/mo $9,860/mo $326,239 0
Aniak Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Anvik Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Arctic Village Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Atka Aleutians West $8,320/mo $10,150/mo $12,860/mo $419,100 0
Atqasuk North Slope $5,750/mo $7,020/mo $8,880/mo $219,600 0
Auke Bay Juneau $6,970/mo $8,500/mo $10,770/mo $432,500 0
Barrow North Slope $5,750/mo $7,020/mo $8,880/mo $219,600 0
Beaver Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Bettles Field Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Big Lake Matanuska Susitna $6,120/mo $7,470/mo $9,460/mo $319,200 0
Brevig Mission Nome $5,890/mo $7,190/mo $9,100/mo $201,000 0
Buckland Northwest Arctic $6,050/mo $7,380/mo $9,350/mo $162,500 0
Cantwell Denali $5,210/mo $6,360/mo $8,050/mo $262,000 0
Central Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Chalkyitsik Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Chefornak Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Chevak Kusilvak $4,340/mo $5,290/mo $6,710/mo $72,700 0
Chicken Southeast Fairbanks $5,750/mo $7,020/mo $8,890/mo $262,800 0
Chignik Lake And Peninsula $4,440/mo $5,420/mo $6,870/mo $166,100 0
Chignik Lagoon Lake And Peninsula $4,440/mo $5,420/mo $6,870/mo $166,100 0
Chignik Lake Lake And Peninsula $4,440/mo $5,420/mo $6,870/mo $166,100 0
Chitina Valdez Cordova $6,380/mo $7,780/mo $9,860/mo $326,239 0
Chugiak Anchorage $6,880/mo $8,390/mo $10,630/mo $375,900 0
Circle Yukon Koyukuk $4,340/mo $5,290/mo $6,710/mo $87,800 0
Clam Gulch Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 0
Clarks Point Dillingham $5,160/mo $6,300/mo $7,980/mo $163,800 0
Clear Denali $5,210/mo $6,360/mo $8,050/mo $262,000 0
Coffman Cove Prince Wales Ketchikan $6,380/mo $7,780/mo $9,860/mo $326,239 0
Cold Bay Aleutians East $5,000/mo $6,100/mo $7,720/mo $144,300 0
Cooper Landing Kenai Peninsula $5,480/mo $6,690/mo $8,470/mo $297,500 0
Copper Center Valdez Cordova $6,380/mo $7,780/mo $9,860/mo $326,239 0
Craig Prince Wales Ketchikan $6,380/mo $7,780/mo $9,860/mo $326,239 0
Crooked Creek Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Deering Northwest Arctic $6,050/mo $7,380/mo $9,350/mo $162,500 0
Delta Junction Southeast Fairbanks $5,750/mo $7,020/mo $8,890/mo $262,800 0
Denali National Park Denali $5,210/mo $6,360/mo $8,050/mo $262,000 0
Dillingham Dillingham $5,160/mo $6,300/mo $7,980/mo $163,800 0
Douglas Juneau $6,970/mo $8,500/mo $10,770/mo $432,500 0
Dutch Harbor Aleutians West $8,320/mo $10,150/mo $12,860/mo $419,100 0
Eagle Southeast Fairbanks $5,750/mo $7,020/mo $8,890/mo $262,800 0
Eagle River Anchorage $6,880/mo $8,390/mo $10,630/mo $375,900 0
Eek Bethel $6,050/mo $7,380/mo $9,340/mo $120,600 0
Egegik Lake And Peninsula $4,440/mo $5,420/mo $6,870/mo $166,100 0
Eielson Afb Fairbanks North Star $6,390/mo $7,800/mo $9,880/mo $282,500 0
Ekwok Dillingham $5,160/mo $6,300/mo $7,980/mo $163,800 0
Elfin Cove Skagway Hoonah Angoon $6,380/mo $7,780/mo $9,860/mo $326,239 0
Elim Nome $5,890/mo $7,190/mo $9,100/mo $201,000 0
Elmendorf Afb Anchorage $6,880/mo $8,390/mo $10,630/mo $375,900 0
Emmonak Kusilvak $4,340/mo $5,290/mo $6,710/mo $72,700 0
Ester Fairbanks North Star $6,390/mo $7,800/mo $9,880/mo $282,500 0

Alaska Senior Care FAQ (2026)

The statewide average for assisted living in Alaska is $6,380 per month ($76,560 per year), compared to the U.S. national median of $6,200 per month.
In Alaska, a semi-private room in a CMS-certified nursing home averages $9,850 per month, while a private room averages $11,110 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Alaska is $2,901 per month.