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

Senior Care & Assisted Living Costs in Duarte, CA

2026 monthly care rates for Duarte (Los Angeles County), local Census affordability metrics, and 4 CMS-certified care facilities.

Assisted Living🏠
$7,750/mo
$93,000/yr
+25% vs U.S. avg
Memory Care🧠
$9,460/mo
$113,520/yr
+25% vs U.S. avg
In-Home Care🤝
$43.73/hr
$8,340/mo (44h/wk)
+25% vs U.S. avg
Nursing Home (Semi)🏥
$11,970/mo
Private: $13,490/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$7,750/mo
Memory Care$9,460/mo
Home Care$43.73/hr
Nursing Semi$11,970/mo
Nursing Priv$13,490/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $728k
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 Duarte, CA

40.9 hrs/wk Break-even threshold

At Duarte, CA's average caregiver rate of $43.73/hr, hiring in-home care equals the $7,750/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
$3,790/mo

Saves $3,960/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$8,337 vs. $7,750/mo

Full-time home care costs $587/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$15,159/mo

Assisted Living saves $7,409/mo; Memory Care averages $9,460/mo.

Duarte vs. California & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Los Angeles County economic indicators.

Duarte, CA$7,750/mo
California State Average$8,300/mo
U.S. National Median$6,200/mo

Los Angeles County Economic Context (U.S. Census)

Official ACS 5-Year benchmarks used to model local care affordability (see methodology).

Median Household Income $87,760/yr ($7,313/mo)
Median Home Value $783,300
Median Gross Rent $1,893/mo
California Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Duarte, CA

Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.

Royal Terrace Healthcare
1340 Highland Ave., Duarte, CA 91010 • 6262564654
58 Certified Beds For profit - Limited Liability company CCN: 055541
4/5 CMS Rating
Royal Oaks Manor-Bradbury Oaks
1763 Royal Oaks Drive, Duarte, CA 91010 • 6263599371
48 Certified Beds Non profit - Corporation CCN: 555503
4/5 CMS Rating
Monrovia Post Acute
1220 E. Huntington Drive, Duarte, CA 91010 • 6263596618
82 Certified Beds For profit - Limited Liability company CCN: 055259
3/5 CMS Rating
Monte Vista Healthcare Center
802 Buena Vista Street, Duarte, CA 91010 • 6263598141
69 Certified Beds For profit - Limited Liability company CCN: 055817
2/5 CMS Rating

Frequently Asked Questions About Senior Care in Duarte

The estimated median cost of assisted living in Duarte, CA is $7,750 per month ($93,000 per year), adjusted for Los Angeles County housing and income data.
A semi-private room in a skilled nursing facility in Duarte averages $11,970 per month, while a private room averages $13,490 per month.
In-home caregiver services in Duarte, CA average $43.73 per hour, or roughly $8,340 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in California is $2,901 per individual applicant.

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