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 Windsor, CO

2026 monthly care rates for Windsor (Weld County), local Census affordability metrics, and 2 CMS-certified care facilities.

Assisted Living🏠
$6,770/mo
$81,240/yr
+9% vs U.S. avg
Memory Care🧠
$8,260/mo
$99,120/yr
+9% vs U.S. avg
In-Home Care🤝
$38.23/hr
$7,290/mo (44h/wk)
+9% vs U.S. avg
Nursing Home (Semi)🏥
$10,470/mo
Private: $11,790/mo
+9% 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$6,770/mo
Memory Care$8,260/mo
Home Care$38.23/hr
Nursing Semi$10,470/mo
Nursing Priv$11,790/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $413k
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 Windsor, CO

40.9 hrs/wk Break-even threshold

At Windsor, CO's average caregiver rate of $38.23/hr, hiring in-home care equals the $6,770/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
$3,313/mo

Saves $3,457/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,289 vs. $6,770/mo

Full-time home care costs $519/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,252/mo

Assisted Living saves $6,482/mo; Memory Care averages $8,260/mo.

Windsor vs. Colorado & U.S. Averages

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

Windsor, CO$6,770/mo
Colorado State Average$7,320/mo
U.S. National Median$6,200/mo

Weld County Economic Context (U.S. Census)

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

Median Household Income $93,287/yr ($7,774/mo)
Median Home Value $444,500
Median Gross Rent $1,469/mo
Colorado Medicaid Limit (2026) $2,901/mo

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

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

Columbine Commons Health And Rehab Llc
1475 Main St, Windsor, CO 80550 • 9704495540
60 Certified Beds For profit - Limited Liability company CCN: 065410
5/5 CMS Rating
Pelican Pointe Health And Rehabilitation Center
710 3Rd St, Windsor, CO 80550 • 9706867474
104 Certified Beds For profit - Corporation CCN: 065278
2/5 CMS Rating

Frequently Asked Questions About Senior Care in Windsor

The estimated median cost of assisted living in Windsor, CO is $6,770 per month ($81,240 per year), adjusted for Weld County housing and income data.
A semi-private room in a skilled nursing facility in Windsor averages $10,470 per month, while a private room averages $11,790 per month.
In-home caregiver services in Windsor, CO average $38.23 per hour, or roughly $7,290 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