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 Delaware

Compare monthly care rates across 57 cities and 44 CMS-certified nursing facilities in Delaware.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 44 Avg. Home Value: $327,591
Assisted Living🏠
$6,090/mo
$73,080/year
≈ U.S. average
Memory Care🧠
$7,430/mo
$89,160/year
≈ U.S. average
Home Care (44h/wk)🤝
$6,560/mo
$34.40 per hour
≈ U.S. average
Nursing Home (Semi)🏥
$9,420/mo
Private room: $10,610/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$6,090/mo
Memory Care$7,430/mo
Home Care$34.40/hr
Nursing Semi$9,420/mo
Nursing Priv$10,610/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $305k
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 Delaware

40.9 hrs/wk Break-even threshold

At Delaware's average caregiver rate of $34.40/hr, hiring in-home care equals the $6,090/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
$2,981/mo

Saves $3,109/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,558 vs. $6,090/mo

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

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,924/mo

Assisted Living saves $5,834/mo; Memory Care averages $7,430/mo.

Major Cities in Delaware

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
Wilmington New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 14
Dover Kent $5,660/mo $6,910/mo $8,750/mo $290,600 5
Newark New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 5
Hockessin New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 3
Milford Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 3
Seaford Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 3
Lewes Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 2
Millsboro Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 2
Smyrna Kent $5,660/mo $6,910/mo $8,750/mo $290,600 2
Delmar Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 1
Georgetown Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 1
Middletown New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 1
New Castle New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 1
Bear New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Bethany Beach Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Bethel Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Bridgeville Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Camden Wyoming Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Cheswold Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Claymont New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Clayton Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Dagsboro Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Delaware City New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Dover Afb Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Ellendale Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Felton Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Fenwick Island Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Frankford Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Frederica Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Greenwood Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Harbeson Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Harrington Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Hartly Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Houston Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Kenton Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Kirkwood New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Laurel Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Lincoln Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Little Creek Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Magnolia Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Marydel Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Millville Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Milton Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Montchanin New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Nassau Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Ocean View Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Odessa New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Port Penn New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Rehoboth Beach Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Rockland New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Saint Georges New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Selbyville Sussex $5,650/mo $6,890/mo $8,730/mo $353,300 0
Townsend New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Viola Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Winterthur New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0
Woodside Kent $5,660/mo $6,910/mo $8,750/mo $290,600 0
Yorklyn New Castle $6,430/mo $7,840/mo $9,930/mo $329,800 0

Delaware Senior Care FAQ (2026)

The statewide average for assisted living in Delaware is $6,090 per month ($73,080 per year), compared to the U.S. national median of $6,200 per month.
In Delaware, a semi-private room in a CMS-certified nursing home averages $9,420 per month, while a private room averages $10,610 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Delaware is $2,901 per month.