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
🔍
Home › Colorado › Gunnison, CO

Senior Care & Assisted Living Costs in Gunnison, CO

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

Assisted Living🏠
$5,540/mo
$66,480/yr
-11% vs U.S. avg
Memory Care🧠
$6,760/mo
$81,120/yr
-11% vs U.S. avg
In-Home Care🤝
$31.29/hr
$5,970/mo (44h/wk)
-10% vs U.S. avg
Nursing Home (Semi)🏥
$8,570/mo
Private: $9,650/mo
-11% 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$5,540/mo
Memory Care$6,760/mo
Home Care$31.29/hr
Nursing Semi$8,570/mo
Nursing Priv$9,650/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $555k
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 Gunnison, CO

40.9 hrs/wk Break-even threshold

At Gunnison, CO's average caregiver rate of $31.29/hr, hiring in-home care equals the $5,540/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
$2,712/mo

Saves $2,828/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,966 vs. $5,540/mo

Full-time home care costs $426/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,846/mo

Assisted Living saves $5,306/mo; Memory Care averages $6,760/mo.

Gunnison vs. Colorado & U.S. Averages

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

Gunnison, CO$5,540/mo
Colorado State Average$7,320/mo
U.S. National Median$6,200/mo

Gunnison County Economic Context (U.S. Census)

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

Median Household Income $77,358/yr ($6,447/mo)
Median Home Value $597,200
Median Gross Rent $1,191/mo
Colorado Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Gunnison, CO

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

Gunnison Valley Health Senior Care Center
1500 W Tomichi Ave, Gunnison, CO 81230 • 9706410704
50 Certified Beds Government - City/county CCN: 065144
5/5 CMS Rating

Frequently Asked Questions About Senior Care in Gunnison

The estimated median cost of assisted living in Gunnison, CO is $5,540 per month ($66,480 per year), adjusted for Gunnison County housing and income data.
A semi-private room in a skilled nursing facility in Gunnison averages $8,570 per month, while a private room averages $9,650 per month.
In-home caregiver services in Gunnison, CO average $31.29 per hour, or roughly $5,970 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Colorado is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Colorado Cities

Parlin, CO $5,540/mo Crested Butte, CO $5,540/mo Almont, CO $5,540/mo Powderhorn, CO $5,540/mo Ohio City, CO $5,540/mo Pitkin, CO $5,540/mo Sargents, CO $4,340/mo Cimarron, CO $5,010/mo Somerset, CO $5,540/mo Aspen, CO $8,090/mo Snowmass Village, CO $8,090/mo Lake City, CO $4,900/mo