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 Arizona

Compare monthly care rates across 264 cities and 140 CMS-certified nursing facilities in Arizona.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 140 Avg. Home Value: $268,905
Assisted Living🏠
$6,170/mo
$74,040/year
≈ U.S. average
Memory Care🧠
$7,530/mo
$90,360/year
≈ U.S. average
Home Care (44h/wk)🤝
$6,640/mo
$34.85 per hour
≈ U.S. average
Nursing Home (Semi)🏥
$9,540/mo
Private room: $10,750/mo
≈ U.S. average

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$6,170/mo
Memory Care$7,530/mo
Home Care$34.85/hr
Nursing Semi$9,540/mo
Nursing Priv$10,750/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $250k
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 Arizona

40.9 hrs/wk Break-even threshold

At Arizona's average caregiver rate of $34.85/hr, hiring in-home care equals the $6,170/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
$3,020/mo

Saves $3,150/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,644 vs. $6,170/mo

Full-time home care costs $474/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,080/mo

Assisted Living saves $5,910/mo; Memory Care averages $7,530/mo.

Major Cities in Arizona

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
Phoenix Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 23
Tucson Pima $5,160/mo $6,300/mo $7,970/mo $286,900 21
Mesa Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 11
Scottsdale Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 11
Glendale Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 6
Yuma Yuma $4,470/mo $5,450/mo $6,910/mo $195,700 6
Chandler Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 5
Peoria Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 5
Prescott Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 4
Flagstaff Coconino $5,890/mo $7,190/mo $9,100/mo $413,200 3
Kingman Mohave $4,500/mo $5,490/mo $6,960/mo $253,200 3
Tempe Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 3
Gilbert Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 2
Globe Gila $4,480/mo $5,470/mo $6,920/mo $247,000 2
Lake Havasu City Mohave $4,500/mo $5,490/mo $6,960/mo $253,200 2
Payson Gila $4,480/mo $5,470/mo $6,920/mo $247,000 2
Sierra Vista Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 2
Sun City Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 2
Sun City West Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 2
Surprise Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 2
Apache Junction Pinal $6,160/mo $7,520/mo $9,520/mo $312,100 1
Avondale Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 1
Benson Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 1
Bullhead City Mohave $4,500/mo $5,490/mo $6,960/mo $253,200 1
Camp Verde Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 1
Casa Grande Pinal $6,160/mo $7,520/mo $9,520/mo $312,100 1
Chinle Apache $4,340/mo $5,290/mo $6,710/mo $68,500 1
Cottonwood Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 1
Douglas Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 1
Fountain Hills Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 1
Goodyear Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 1
Green Valley Pima $5,160/mo $6,300/mo $7,970/mo $286,900 1
Lakeside Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 1
Litchfield Park Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 1
Prescott Valley Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 1
Sacaton Pinal $6,160/mo $7,520/mo $9,520/mo $312,100 1
Safford Graham $4,430/mo $5,400/mo $6,840/mo $202,700 1
Sedona Coconino $5,890/mo $7,190/mo $9,100/mo $413,200 1
Sells Pima $5,160/mo $6,300/mo $7,970/mo $286,900 1
Show Low Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 1
Winslow Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 1
Youngtown Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 1
Aguila Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Ajo Pima $5,160/mo $6,300/mo $7,970/mo $286,900 0
Alpine Apache $4,340/mo $5,290/mo $6,710/mo $68,500 0
Amado Santa Cruz $4,340/mo $5,290/mo $6,710/mo $216,100 0
Arivaca Pima $5,160/mo $6,300/mo $7,970/mo $286,900 0
Arizona City Pinal $6,160/mo $7,520/mo $9,520/mo $312,100 0
Arlington Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Ash Fork Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 0
Bagdad Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 0
Bapchule Pinal $6,160/mo $7,520/mo $9,520/mo $312,100 0
Bellemont Coconino $5,890/mo $7,190/mo $9,100/mo $413,200 0
Bisbee Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 0
Black Canyon City Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 0
Blue Greenlee $4,340/mo $5,290/mo $6,710/mo $136,300 0
Blue Gap Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 0
Bouse La Paz $4,340/mo $5,290/mo $6,710/mo $117,600 0
Bowie Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 0
Buckeye Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Bylas Graham $4,430/mo $5,400/mo $6,840/mo $202,700 0
Cameron Coconino $5,890/mo $7,190/mo $9,100/mo $413,200 0
Carefree Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Cashion Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Catalina Pima $5,160/mo $6,300/mo $7,970/mo $286,900 0
Cave Creek Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Central Graham $4,430/mo $5,400/mo $6,840/mo $202,700 0
Chambers Apache $4,340/mo $5,290/mo $6,710/mo $68,500 0
Chandler Heights Maricopa $6,860/mo $8,370/mo $10,590/mo $414,700 0
Chino Valley Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 0
Chloride Mohave $4,500/mo $5,490/mo $6,960/mo $253,200 0
Cibecue Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 0
Cibola La Paz $4,340/mo $5,290/mo $6,710/mo $117,600 0
Clarkdale Yavapai $5,380/mo $6,560/mo $8,320/mo $392,900 0
Clay Springs Navajo $4,340/mo $5,290/mo $6,710/mo $186,100 0
Claypool Gila $4,480/mo $5,470/mo $6,920/mo $247,000 0
Clifton Greenlee $4,340/mo $5,290/mo $6,710/mo $136,300 0
Cochise Cochise $4,340/mo $5,290/mo $6,710/mo $207,400 0
Colorado City Mohave $4,500/mo $5,490/mo $6,960/mo $253,200 0
Concho Apache $4,340/mo $5,290/mo $6,710/mo $68,500 0

Arizona Senior Care FAQ (2026)

The statewide average for assisted living in Arizona is $6,170 per month ($74,040 per year), compared to the U.S. national median of $6,200 per month.
In Arizona, a semi-private room in a CMS-certified nursing home averages $9,540 per month, while a private room averages $10,750 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Arizona is $2,901 per month.