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 Colorado

Compare monthly care rates across 400 cities and 210 CMS-certified nursing facilities in Colorado.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 210 Avg. Home Value: $416,064
Assisted Living🏠
$7,320/mo
$87,840/year
+18% vs U.S. avg
Memory Care🧠
$8,930/mo
$107,160/year
+18% vs U.S. avg
Home Care (44h/wk)🤝
$7,880/mo
$41.33 per hour
+18% vs U.S. avg
Nursing Home (Semi)🏥
$11,310/mo
Private room: $12,750/mo
+18% 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$7,320/mo
Memory Care$8,930/mo
Home Care$41.33/hr
Nursing Semi$11,310/mo
Nursing Priv$12,750/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $387k
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 Colorado

40.9 hrs/wk Break-even threshold

At Colorado's average caregiver rate of $41.33/hr, hiring in-home care equals the $7,320/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
$3,582/mo

Saves $3,738/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,880 vs. $7,320/mo

Full-time home care costs $560/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$14,327/mo

Assisted Living saves $7,007/mo; Memory Care averages $8,930/mo.

Major Cities in Colorado

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
Denver Adams $7,370/mo $8,990/mo $11,390/mo $458,400 23
Colorado Springs El Paso $6,970/mo $8,500/mo $10,780/mo $431,000 20
Aurora Adams $7,370/mo $8,990/mo $11,390/mo $458,400 11
Pueblo Pueblo $4,730/mo $5,770/mo $7,310/mo $271,800 9
Fort Collins Larimer $7,270/mo $8,870/mo $11,240/mo $532,200 8
Grand Junction Mesa $5,270/mo $6,430/mo $8,140/mo $349,400 6
Greeley Weld $6,770/mo $8,260/mo $10,470/mo $444,500 6
Canon City Fremont $4,630/mo $5,650/mo $7,160/mo $282,100 5
Littleton Arapahoe $7,810/mo $9,530/mo $12,080/mo $526,000 5
Longmont Boulder $8,200/mo $10,000/mo $12,670/mo $713,900 5
Westminster Adams $7,370/mo $8,990/mo $11,390/mo $458,400 5
Boulder Boulder $8,200/mo $10,000/mo $12,670/mo $713,900 4
Loveland Larimer $7,270/mo $8,870/mo $11,240/mo $532,200 4
Wheat Ridge Jefferson $8,080/mo $9,860/mo $12,490/mo $604,400 4
Englewood Arapahoe $7,810/mo $9,530/mo $12,080/mo $526,000 3
Parker Douglas $10,040/mo $12,250/mo $15,520/mo $674,000 3
Alamosa Alamosa $4,340/mo $5,290/mo $6,710/mo $218,800 2
Arvada Jefferson $8,080/mo $9,860/mo $12,490/mo $604,400 2
Brighton Adams $7,370/mo $8,990/mo $11,390/mo $458,400 2
Brush Morgan $5,220/mo $6,370/mo $8,060/mo $299,300 2
Castle Rock Douglas $10,040/mo $12,250/mo $15,520/mo $674,000 2
Commerce City Adams $7,370/mo $8,990/mo $11,390/mo $458,400 2
Durango La Plata $6,370/mo $7,770/mo $9,840/mo $549,100 2
Monte Vista Rio Grande $4,340/mo $5,290/mo $6,710/mo $215,400 2
Montrose Montrose $5,010/mo $6,110/mo $7,740/mo $357,900 2
Rifle Garfield $6,680/mo $8,150/mo $10,320/mo $490,600 2
Sterling Logan $4,430/mo $5,400/mo $6,840/mo $228,100 2
Windsor Weld $6,770/mo $8,260/mo $10,470/mo $444,500 2
Akron Washington $4,640/mo $5,660/mo $7,160/mo $218,300 1
Berthoud Larimer $7,270/mo $8,870/mo $11,240/mo $532,200 1
Broomfield Broomfield $9,240/mo $11,270/mo $14,280/mo $631,600 1
Burlington Kit Carson $4,340/mo $5,290/mo $6,710/mo $221,400 1
Carbondale Garfield $6,680/mo $8,150/mo $10,320/mo $490,600 1
Cheyenne Wells Cheyenne $4,370/mo $5,330/mo $6,750/mo $187,100 1
Cortez Montezuma $4,520/mo $5,510/mo $6,990/mo $308,100 1
Craig Moffat $4,970/mo $6,060/mo $7,680/mo $262,500 1
Del Norte Rio Grande $4,340/mo $5,290/mo $6,710/mo $215,400 1
Delta Delta $4,670/mo $5,700/mo $7,220/mo $318,000 1
Eagle Eagle $8,590/mo $10,480/mo $13,270/mo $814,700 1
Eckert Delta $4,670/mo $5,700/mo $7,220/mo $318,000 1
Evergreen Jefferson $8,080/mo $9,860/mo $12,490/mo $604,400 1
Florence Fremont $4,630/mo $5,650/mo $7,160/mo $282,100 1
Fort Morgan Morgan $5,220/mo $6,370/mo $8,060/mo $299,300 1
Fowler Otero $4,340/mo $5,290/mo $6,710/mo $160,700 1
Glenwood Springs Garfield $6,680/mo $8,150/mo $10,320/mo $490,600 1
Gunnison Gunnison $5,540/mo $6,760/mo $8,570/mo $597,200 1
Holly Prowers $4,340/mo $5,290/mo $6,710/mo $150,900 1
Holyoke Phillips $4,370/mo $5,330/mo $6,760/mo $255,300 1
Julesburg Sedgwick $4,340/mo $5,290/mo $6,710/mo $142,700 1
La Jara Conejos $4,340/mo $5,290/mo $6,710/mo $162,100 1
La Junta Otero $4,340/mo $5,290/mo $6,710/mo $160,700 1
Lafayette Boulder $8,200/mo $10,000/mo $12,670/mo $713,900 1
Lamar Prowers $4,340/mo $5,290/mo $6,710/mo $150,900 1
Las Animas Bent $4,340/mo $5,290/mo $6,710/mo $137,900 1
Mancos Montezuma $4,520/mo $5,510/mo $6,990/mo $308,100 1
Meeker Rio Blanco $4,680/mo $5,710/mo $7,230/mo $243,400 1
Morrison Jefferson $8,080/mo $9,860/mo $12,490/mo $604,400 1
Olathe Montrose $5,010/mo $6,110/mo $7,740/mo $357,900 1
Ordway Crowley $4,340/mo $5,290/mo $6,710/mo $106,700 1
Pagosa Springs Archuleta $6,100/mo $7,440/mo $9,430/mo $451,400 1
Palisade Mesa $5,270/mo $6,430/mo $8,140/mo $349,400 1
Paonia Delta $4,670/mo $5,700/mo $7,220/mo $318,000 1
Rocky Ford Otero $4,340/mo $5,290/mo $6,710/mo $160,700 1
Salida Chaffee $6,220/mo $7,590/mo $9,610/mo $598,500 1
Springfield Baca $4,340/mo $5,290/mo $6,710/mo $122,000 1
Steamboat Springs Routt $8,130/mo $9,920/mo $12,570/mo $756,200 1
Trinidad Las Animas $4,340/mo $5,290/mo $6,710/mo $214,500 1
Walsenburg Huerfano $4,340/mo $5,290/mo $6,710/mo $256,700 1
Walsh Baca $4,340/mo $5,290/mo $6,710/mo $122,000 1
Woodland Park Teller $7,140/mo $8,710/mo $11,030/mo $445,000 1
Wray Yuma $4,340/mo $5,290/mo $6,710/mo $215,600 1
Agate Elbert $7,780/mo $9,490/mo $12,020/mo $664,600 0
Aguilar Las Animas $4,340/mo $5,290/mo $6,710/mo $214,500 0
Allenspark Boulder $8,200/mo $10,000/mo $12,670/mo $713,900 0
Alma Park $8,110/mo $9,890/mo $12,530/mo $489,300 0
Almont Gunnison $5,540/mo $6,760/mo $8,570/mo $597,200 0
Amherst Phillips $4,370/mo $5,330/mo $6,760/mo $255,300 0
Anton Washington $4,640/mo $5,660/mo $7,160/mo $218,300 0
Antonito Conejos $4,340/mo $5,290/mo $6,710/mo $162,100 0
Arapahoe Cheyenne $4,370/mo $5,330/mo $6,750/mo $187,100 0

Colorado Senior Care FAQ (2026)

The statewide average for assisted living in Colorado is $7,320 per month ($87,840 per year), compared to the U.S. national median of $6,200 per month.
In Colorado, a semi-private room in a CMS-certified nursing home averages $11,310 per month, while a private room averages $12,750 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Colorado is $2,901 per month.