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
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Home › Colorado › Pagosa Springs, CO

Senior Care & Assisted Living Costs in Pagosa Springs, CO

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

Assisted Living🏠
$6,100/mo
$73,200/yr
≈ U.S. average
Memory Care🧠
$7,440/mo
$89,280/yr
≈ U.S. average
In-Home Care🤝
$34.46/hr
$6,570/mo (44h/wk)
≈ U.S. average
Nursing Home (Semi)🏥
$9,430/mo
Private: $10,630/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$6,100/mo
Memory Care$7,440/mo
Home Care$34.46/hr
Nursing Semi$9,430/mo
Nursing Priv$10,630/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $420k
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 Pagosa Springs, CO

40.9 hrs/wk Break-even threshold

At Pagosa Springs, CO's average caregiver rate of $34.46/hr, hiring in-home care equals the $6,100/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
$2,986/mo

Saves $3,114/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,570 vs. $6,100/mo

Full-time home care costs $470/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,945/mo

Assisted Living saves $5,845/mo; Memory Care averages $7,440/mo.

Pagosa Springs vs. Colorado & U.S. Averages

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

Pagosa Springs, CO$6,100/mo
Colorado State Average$7,320/mo
U.S. National Median$6,200/mo

Archuleta County Economic Context (U.S. Census)

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

Median Household Income $76,524/yr ($6,377/mo)
Median Home Value $451,400
Median Gross Rent $1,409/mo
Colorado Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Pagosa Springs, CO

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

Pine Ridge Rehabilitation And Healthcare Center
119 Bastille Dr, Pagosa Springs, CO 81147 • 9707314330
60 Certified Beds For profit - Limited Liability company CCN: 065366
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Pagosa Springs

The estimated median cost of assisted living in Pagosa Springs, CO is $6,100 per month ($73,200 per year), adjusted for Archuleta County housing and income data.
A semi-private room in a skilled nursing facility in Pagosa Springs averages $9,430 per month, while a private room averages $10,630 per month.
In-home caregiver services in Pagosa Springs, CO average $34.46 per hour, or roughly $6,570 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

Chimney Rock, CO $6,100/mo Chromo, CO $6,100/mo Arboles, CO $6,100/mo Creede, CO $4,340/mo Bayfield, CO $6,370/mo South Fork, CO $4,340/mo Ignacio, CO $6,370/mo Lake City, CO $4,900/mo Del Norte, CO $4,340/mo Durango, CO $6,370/mo Silverton, CO $5,130/mo Capulin, CO $4,340/mo