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 Jackson, CA

2026 monthly care rates for Jackson (Amador County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$6,180/mo
$74,160/yr
≈ U.S. average
Memory Care🧠
$7,540/mo
$90,480/yr
≈ U.S. average
In-Home Care🤝
$34.87/hr
$6,650/mo (44h/wk)
≈ U.S. average
Nursing Home (Semi)🏥
$9,550/mo
Private: $10,760/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$6,180/mo
Memory Care$7,540/mo
Home Care$34.87/hr
Nursing Semi$9,550/mo
Nursing Priv$10,760/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $393k
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 Jackson, CA

40.9 hrs/wk Break-even threshold

At Jackson, CA's average caregiver rate of $34.87/hr, hiring in-home care equals the $6,180/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
$3,022/mo

Saves $3,158/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,648 vs. $6,180/mo

Full-time home care costs $468/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,087/mo

Assisted Living saves $5,907/mo; Memory Care averages $7,540/mo.

Jackson vs. California & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Amador County economic indicators.

Jackson, CA$6,180/mo
California State Average$8,300/mo
U.S. National Median$6,200/mo

Amador County Economic Context (U.S. Census)

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

Median Household Income $81,526/yr ($6,794/mo)
Median Home Value $422,800
Median Gross Rent $1,380/mo
California Medicaid Limit (2026) $2,901/mo

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

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

Kit Carson Nursing & Rehabilitation Center
811 Court Street, Jackson, CA 95642 • 2092232231
199 Certified Beds For profit - Corporation CCN: 056198
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Jackson

The estimated median cost of assisted living in Jackson, CA is $6,180 per month ($74,160 per year), adjusted for Amador County housing and income data.
A semi-private room in a skilled nursing facility in Jackson averages $9,550 per month, while a private room averages $10,760 per month.
In-home caregiver services in Jackson, CA average $34.87 per hour, or roughly $6,650 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.

Compare Senior Care Costs in Nearby California Cities