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 Georgia

Compare monthly care rates across 629 cities and 356 CMS-certified nursing facilities in Georgia.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 356 Avg. Home Value: $192,842
Assisted Living🏠
$5,880/mo
$70,560/year
-5% vs U.S. avg
Memory Care🧠
$7,170/mo
$86,040/year
-5% vs U.S. avg
Home Care (44h/wk)🤝
$6,320/mo
$33.17 per hour
-5% vs U.S. avg
Nursing Home (Semi)🏥
$9,080/mo
Private room: $10,230/mo
-5% 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$5,880/mo
Memory Care$7,170/mo
Home Care$33.17/hr
Nursing Semi$9,080/mo
Nursing Priv$10,230/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $179k
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 Georgia

40.9 hrs/wk Break-even threshold

At Georgia's average caregiver rate of $33.17/hr, hiring in-home care equals the $5,880/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
$2,875/mo

Saves $3,005/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,324 vs. $5,880/mo

Full-time home care costs $444/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,498/mo

Assisted Living saves $5,618/mo; Memory Care averages $7,170/mo.

Major Cities in Georgia

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
Atlanta Dekalb $6,630/mo $8,090/mo $10,240/mo $331,400 20
Macon Bibb $4,340/mo $5,290/mo $6,710/mo $165,800 12
Augusta Columbia $6,480/mo $7,910/mo $10,020/mo $287,400 10
Rome Floyd $4,500/mo $5,490/mo $6,960/mo $194,100 8
Columbus Muscogee $4,600/mo $5,610/mo $7,100/mo $182,300 7
Marietta Cobb $7,400/mo $9,030/mo $11,430/mo $373,700 7
Savannah Chatham $5,820/mo $7,100/mo $9,000/mo $273,300 7
Decatur Dekalb $6,630/mo $8,090/mo $10,240/mo $331,400 6
Athens Clarke $4,710/mo $5,750/mo $7,270/mo $271,900 5
Carrollton Carroll $5,210/mo $6,360/mo $8,050/mo $227,500 4
Gainesville Hall $5,700/mo $6,950/mo $8,800/mo $313,600 4
Lawrenceville Gwinnett $7,170/mo $8,750/mo $11,090/mo $345,700 4
Milledgeville Baldwin $4,340/mo $5,290/mo $6,710/mo $164,700 4
Moultrie Colquitt $4,340/mo $5,290/mo $6,710/mo $121,400 4
Statesboro Bulloch $4,340/mo $5,290/mo $6,710/mo $191,600 4
Thomasville Thomas $4,500/mo $5,490/mo $6,950/mo $185,300 4
Valdosta Lowndes $4,390/mo $5,360/mo $6,780/mo $197,900 4
Austell Cobb $7,400/mo $9,030/mo $11,430/mo $373,700 3
Brunswick Glynn $4,920/mo $6,000/mo $7,610/mo $268,300 3
Cartersville Bartow $5,630/mo $6,870/mo $8,710/mo $262,200 3
Dalton Whitfield $4,380/mo $5,340/mo $6,770/mo $198,900 3
Dublin Laurens $4,340/mo $5,290/mo $6,710/mo $137,400 3
Elberton Elbert $4,340/mo $5,290/mo $6,710/mo $114,600 3
Griffin Spalding $4,650/mo $5,670/mo $7,190/mo $196,600 3
Jesup Wayne $4,340/mo $5,290/mo $6,710/mo $149,800 3
Lagrange Troup $4,470/mo $5,450/mo $6,910/mo $187,800 3
Newnan Coweta $6,600/mo $8,050/mo $10,210/mo $321,900 3
Sandersville Washington $4,340/mo $5,290/mo $6,710/mo $115,600 3
Thomaston Upson $4,340/mo $5,290/mo $6,710/mo $149,500 3
Tucker Dekalb $6,630/mo $8,090/mo $10,240/mo $331,400 3
Warner Robins Houston $5,520/mo $6,730/mo $8,520/mo $205,600 3
Waycross Ware $4,340/mo $5,290/mo $6,710/mo $106,500 3
Albany Dougherty $4,340/mo $5,290/mo $6,710/mo $129,200 2
Bainbridge Decatur $4,340/mo $5,290/mo $6,710/mo $146,200 2
Buchanan Haralson $4,340/mo $5,290/mo $6,710/mo $210,400 2
Calhoun Gordon $4,340/mo $5,290/mo $6,710/mo $205,600 2
Canton Cherokee $7,770/mo $9,480/mo $12,010/mo $389,800 2
Cleveland White $4,840/mo $5,900/mo $7,480/mo $262,200 2
Commerce Banks $4,340/mo $5,290/mo $6,710/mo $251,700 2
Conyers Rockdale $5,800/mo $7,080/mo $8,960/mo $256,600 2
Cordele Crisp $4,340/mo $5,290/mo $6,710/mo $120,800 2
Covington Newton $5,810/mo $7,090/mo $8,980/mo $233,300 2
Cumming Forsyth $9,380/mo $11,440/mo $14,500/mo $493,800 2
Dahlonega Lumpkin $5,120/mo $6,250/mo $7,910/mo $277,200 2
Eastman Dodge $4,340/mo $5,290/mo $6,710/mo $108,700 2
Evans Columbia $6,480/mo $7,910/mo $10,020/mo $287,400 2
Fairburn Fulton $7,160/mo $8,740/mo $11,070/mo $431,200 2
Fitzgerald Ben Hill $4,340/mo $5,290/mo $6,710/mo $114,600 2
Forsyth Monroe $4,870/mo $5,940/mo $7,530/mo $243,200 2
Fort Oglethorpe Catoosa $4,750/mo $5,800/mo $7,340/mo $214,200 2
Fort Valley Peach $4,490/mo $5,480/mo $6,940/mo $186,100 2
Gray Jones $4,530/mo $5,530/mo $7,000/mo $174,600 2
Hartwell Hart $4,340/mo $5,290/mo $6,710/mo $206,500 2
Jasper Pickens $5,180/mo $6,320/mo $8,000/mo $289,600 2
Jonesboro Clayton $5,290/mo $6,450/mo $8,170/mo $194,500 2
Metter Candler $4,340/mo $5,290/mo $6,710/mo $135,600 2
Ocilla Irwin $4,340/mo $5,290/mo $6,710/mo $105,300 2
Rockmart Polk $4,340/mo $5,290/mo $6,710/mo $163,500 2
Rossville Walker $4,340/mo $5,290/mo $6,710/mo $173,900 2
Saint Simons Island Glynn $4,920/mo $6,000/mo $7,610/mo $268,300 2
Snellville Gwinnett $7,170/mo $8,750/mo $11,090/mo $345,700 2
Sparta Hancock $4,340/mo $5,290/mo $6,710/mo $87,400 2
Stone Mountain Dekalb $6,630/mo $8,090/mo $10,240/mo $331,400 2
Swainsboro Emanuel $4,340/mo $5,290/mo $6,710/mo $88,200 2
Tifton Tift $4,340/mo $5,290/mo $6,710/mo $143,100 2
Tybee Island Chatham $5,820/mo $7,100/mo $9,000/mo $273,300 2
Vidalia Toombs $4,340/mo $5,290/mo $6,710/mo $127,100 2
Abbeville Wilcox $4,340/mo $5,290/mo $6,710/mo $71,200 1
Adel Cook $4,340/mo $5,290/mo $6,710/mo $123,000 1
Adrian Emanuel $4,340/mo $5,290/mo $6,710/mo $88,200 1
Alma Bacon $4,340/mo $5,290/mo $6,710/mo $104,100 1
Americus $5,870/mo $7,160/mo $9,080/mo $281,138 1
Appling Columbia $6,480/mo $7,910/mo $10,020/mo $287,400 1
Ashburn Turner $4,340/mo $5,290/mo $6,710/mo $95,200 1
Baldwin Banks $4,340/mo $5,290/mo $6,710/mo $251,700 1
Barnesville Lamar $4,530/mo $5,530/mo $6,990/mo $201,400 1
Baxley Appling $4,340/mo $5,290/mo $6,710/mo $81,400 1
Bishop Oconee $7,130/mo $8,700/mo $11,010/mo $425,100 1
Blairsville Union $4,340/mo $5,290/mo $6,710/mo $272,600 1
Blakely Early $4,340/mo $5,290/mo $6,710/mo $130,100 1

Georgia Senior Care FAQ (2026)

The statewide average for assisted living in Georgia is $5,880 per month ($70,560 per year), compared to the U.S. national median of $6,200 per month.
In Georgia, a semi-private room in a CMS-certified nursing home averages $9,080 per month, while a private room averages $10,230 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Georgia is $2,901 per month.