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 Arkansas

Compare monthly care rates across 605 cities and 222 CMS-certified nursing facilities in Arkansas.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 222 Avg. Home Value: $140,212
Assisted Living🏠
$4,650/mo
$55,800/year
-25% vs U.S. avg
Memory Care🧠
$5,670/mo
$68,040/year
-25% vs U.S. avg
Home Care (44h/wk)🤝
$5,000/mo
$26.25 per hour
-25% vs U.S. avg
Nursing Home (Semi)🏥
$7,190/mo
Private room: $8,100/mo
-25% 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$4,650/mo
Memory Care$5,670/mo
Home Care$26.25/hr
Nursing Semi$7,190/mo
Nursing Priv$8,100/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $130k
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 Arkansas

40.9 hrs/wk Break-even threshold

At Arkansas's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/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
$2,275/mo

Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,005 vs. $4,650/mo

Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,099/mo

Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.

Major Cities in Arkansas

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
Little Rock Pulaski $4,610/mo $5,620/mo $7,130/mo $199,600 15
Fort Smith Sebastian $4,340/mo $5,290/mo $6,710/mo $166,000 7
Rogers Benton $5,930/mo $7,230/mo $9,160/mo $285,100 7
Springdale Washington $4,710/mo $5,750/mo $7,280/mo $266,000 7
Conway Faulkner $4,600/mo $5,610/mo $7,110/mo $211,300 5
El Dorado Union $4,340/mo $5,290/mo $6,710/mo $114,700 5
Fayetteville Washington $4,710/mo $5,750/mo $7,280/mo $266,000 5
North Little Rock Pulaski $4,610/mo $5,620/mo $7,130/mo $199,600 5
Benton Saline $4,950/mo $6,040/mo $7,650/mo $211,700 4
Jonesboro Craighead $4,340/mo $5,290/mo $6,710/mo $198,700 4
Batesville Independence $4,340/mo $5,290/mo $6,710/mo $120,500 3
Cabot Lonoke $4,740/mo $5,780/mo $7,330/mo $184,100 3
Camden Ouachita $4,340/mo $5,290/mo $6,710/mo $99,600 3
Harrison Boone $4,340/mo $5,290/mo $6,710/mo $169,300 3
Mountain Home Baxter $4,340/mo $5,290/mo $6,710/mo $165,400 3
Pine Bluff Jefferson $4,340/mo $5,290/mo $6,710/mo $106,000 3
Russellville Pope $4,340/mo $5,290/mo $6,710/mo $161,700 3
Texarkana Miller $4,340/mo $5,290/mo $6,710/mo $148,200 3
Van Buren Crawford $4,340/mo $5,290/mo $6,710/mo $170,000 3
Arkadelphia Clark $4,340/mo $5,290/mo $6,710/mo $147,100 2
Ash Flat Sharp $4,340/mo $5,290/mo $6,710/mo $94,600 2
Ashdown Little River $4,340/mo $5,290/mo $6,710/mo $113,400 2
Bella Vista Benton $5,930/mo $7,230/mo $9,160/mo $285,100 2
Bentonville Benton $5,930/mo $7,230/mo $9,160/mo $285,100 2
Bryant Saline $4,950/mo $6,040/mo $7,650/mo $211,700 2
Crossett Ashley $4,340/mo $5,290/mo $6,710/mo $88,800 2
De Witt Arkansas $4,340/mo $5,290/mo $6,710/mo $129,400 2
Heber Springs Cleburne $4,340/mo $5,290/mo $6,710/mo $174,600 2
Lonoke Lonoke $4,740/mo $5,780/mo $7,330/mo $184,100 2
Magnolia Columbia $4,340/mo $5,290/mo $6,710/mo $141,700 2
Malvern Hot Spring $4,340/mo $5,290/mo $6,710/mo $127,900 2
Monticello Drew $4,340/mo $5,290/mo $6,710/mo $127,800 2
Nashville Howard $4,340/mo $5,290/mo $6,710/mo $135,400 2
Newport Jackson $4,340/mo $5,290/mo $6,710/mo $87,300 2
Paragould Greene $4,340/mo $5,290/mo $6,710/mo $162,200 2
Pocahontas Randolph $4,340/mo $5,290/mo $6,710/mo $118,100 2
Prescott Nevada $4,340/mo $5,290/mo $6,710/mo $85,700 2
Searcy White $4,340/mo $5,290/mo $6,710/mo $159,600 2
Walnut Ridge Lawrence $4,340/mo $5,290/mo $6,710/mo $91,100 2
West Memphis Crittenden $4,340/mo $5,290/mo $6,710/mo $155,100 2
Wynne Cross $4,340/mo $5,290/mo $6,710/mo $104,000 2
Alma Crawford $4,340/mo $5,290/mo $6,710/mo $170,000 1
Atkins Pope $4,340/mo $5,290/mo $6,710/mo $161,700 1
Barling Sebastian $4,340/mo $5,290/mo $6,710/mo $166,000 1
Beebe White $4,340/mo $5,290/mo $6,710/mo $159,600 1
Berryville Carroll $4,340/mo $5,290/mo $6,710/mo $186,300 1
Blytheville Mississippi $4,340/mo $5,290/mo $6,710/mo $115,800 1
Booneville Logan $4,340/mo $5,290/mo $6,710/mo $126,900 1
Brinkley Monroe $4,340/mo $5,290/mo $6,710/mo $82,200 1
Calico Rock Izard $4,340/mo $5,290/mo $6,710/mo $122,100 1
Carlisle Lonoke $4,740/mo $5,780/mo $7,330/mo $184,100 1
Cave City Sharp $4,340/mo $5,290/mo $6,710/mo $94,600 1
Centerton Benton $5,930/mo $7,230/mo $9,160/mo $285,100 1
Charleston Franklin $4,340/mo $5,290/mo $6,710/mo $118,800 1
Clarksville Johnson $4,340/mo $5,290/mo $6,710/mo $124,800 1
Clinton Van Buren $4,340/mo $5,290/mo $6,710/mo $122,300 1
Corning Clay $4,340/mo $5,290/mo $6,710/mo $88,100 1
Danville Yell $4,340/mo $5,290/mo $6,710/mo $131,300 1
Dardanelle Yell $4,340/mo $5,290/mo $6,710/mo $131,300 1
De Queen Sevier $4,340/mo $5,290/mo $6,710/mo $111,700 1
Dermott Chicot $4,340/mo $5,290/mo $6,710/mo $90,500 1
Des Arc Prairie $4,340/mo $5,290/mo $6,710/mo $87,500 1
Dierks Howard $4,340/mo $5,290/mo $6,710/mo $135,400 1
England Lonoke $4,740/mo $5,780/mo $7,330/mo $184,100 1
Eureka Springs Carroll $4,340/mo $5,290/mo $6,710/mo $186,300 1
Fairfield Bay Van Buren $4,340/mo $5,290/mo $6,710/mo $122,300 1
Flippin Marion $4,340/mo $5,290/mo $6,710/mo $158,400 1
Fordyce Dallas $4,340/mo $5,290/mo $6,710/mo $98,200 1
Forrest City Saint Francis $4,340/mo $5,290/mo $6,710/mo $179,832 1
Gassville Baxter $4,340/mo $5,290/mo $6,710/mo $165,400 1
Glenwood Pike $4,340/mo $5,290/mo $6,710/mo $115,400 1
Gosnell Mississippi $4,340/mo $5,290/mo $6,710/mo $115,800 1
Greenbrier Faulkner $4,600/mo $5,610/mo $7,110/mo $211,300 1
Greenwood Sebastian $4,340/mo $5,290/mo $6,710/mo $166,000 1
Harrisburg Poinsett $4,340/mo $5,290/mo $6,710/mo $101,200 1
Hazen Prairie $4,340/mo $5,290/mo $6,710/mo $87,500 1
Helena Phillips $4,340/mo $5,290/mo $6,710/mo $76,200 1
Hope Hempstead $4,340/mo $5,290/mo $6,710/mo $100,200 1
Hot Springs Village Garland $4,340/mo $5,290/mo $6,710/mo $176,400 1
Huntsville Madison $4,340/mo $5,290/mo $6,710/mo $157,800 1

Arkansas Senior Care FAQ (2026)

The statewide average for assisted living in Arkansas is $4,650 per month ($55,800 per year), compared to the U.S. national median of $6,200 per month.
In Arkansas, a semi-private room in a CMS-certified nursing home averages $7,190 per month, while a private room averages $8,100 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Arkansas is $2,901 per month.