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 Hawaii

Compare monthly care rates across 92 cities and 43 CMS-certified nursing facilities in Hawaii.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 43 Avg. Home Value: $734,092
Assisted Living🏠
$8,180/mo
$98,160/year
+32% vs U.S. avg
Memory Care🧠
$9,980/mo
$119,760/year
+32% vs U.S. avg
Home Care (44h/wk)🤝
$8,800/mo
$46.18 per hour
+32% vs U.S. avg
Nursing Home (Semi)🏥
$12,640/mo
Private room: $14,250/mo
+32% 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$8,180/mo
Memory Care$9,980/mo
Home Care$46.18/hr
Nursing Semi$12,640/mo
Nursing Priv$14,250/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $683k
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 Hawaii

40.9 hrs/wk Break-even threshold

At Hawaii's average caregiver rate of $46.18/hr, hiring in-home care equals the $8,180/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
$4,002/mo

Saves $4,178/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$8,804 vs. $8,180/mo

Full-time home care costs $624/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$16,008/mo

Assisted Living saves $7,828/mo; Memory Care averages $9,980/mo.

Major Cities in Hawaii

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
Honolulu Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 18
Hilo Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 5
Kaneohe Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 3
Kapolei Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 2
Waimea Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 2
Ewa Beach Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 1
Honokaa Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 1
Kahului Maui $7,890/mo $9,630/mo $12,190/mo $858,600 1
Kailua Kona Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 1
Kapaa Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 1
Koloa Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 1
Kula Maui $7,890/mo $9,630/mo $12,190/mo $858,600 1
Lanai City Maui $7,890/mo $9,630/mo $12,190/mo $858,600 1
Lihue Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 1
Pearl City Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 1
Waianae Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 1
Wailuku Maui $7,890/mo $9,630/mo $12,190/mo $858,600 1
Aiea Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Anahola Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Camp H M Smith Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Captain Cook Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Eleele Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Fort Shafter Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Haiku Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Hakalau Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Haleiwa Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Hana Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Hanalei Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Hanamaulu Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Hanapepe Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Hauula Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Hawaii National Park Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Hawi Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Hickam Afb Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Holualoa Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Honaunau Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Honomu Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Hoolehua Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Kaaawa Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Kahuku Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Kailua Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Kalaheo Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Kalaupapa Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Kamuela Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Kapaau Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Kaumakani Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Kaunakakai Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Keaau Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Kealakekua Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Kealia Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Keauhou Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Kekaha Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Kihei Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Kilauea Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Kualapuu Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Kunia Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Kurtistown Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Lahaina Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Laie Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Laupahoehoe Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Lawai Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
M C B H Kaneohe Bay Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Makawao Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Makaweli Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0
Maunaloa Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Mililani Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Mountain View Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Naalehu Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Ninole Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Ocean View Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Ookala Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Paauilo Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Pahala Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Pahoa Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Paia Maui $7,890/mo $9,630/mo $12,190/mo $858,600 0
Papaaloa Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Papaikou Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Pearl Harbor Honolulu $8,680/mo $10,590/mo $13,410/mo $873,000 0
Pepeekeo Hawaii $6,130/mo $7,480/mo $9,470/mo $486,400 0
Princeville Kauai $7,700/mo $9,390/mo $11,900/mo $817,900 0

Hawaii Senior Care FAQ (2026)

The statewide average for assisted living in Hawaii is $8,180 per month ($98,160 per year), compared to the U.S. national median of $6,200 per month.
In Hawaii, a semi-private room in a CMS-certified nursing home averages $12,640 per month, while a private room averages $14,250 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Hawaii is $2,901 per month.