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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Senior Care & Assisted Living Costs in Kahului, HI

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

Assisted Living🏠
$7,890/mo
$94,680/yr
+27% vs U.S. avg
Memory Care🧠
$9,630/mo
$115,560/yr
+27% vs U.S. avg
In-Home Care🤝
$44.52/hr
$8,490/mo (44h/wk)
+27% vs U.S. avg
Nursing Home (Semi)🏥
$12,190/mo
Private: $13,740/mo
+27% 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$7,890/mo
Memory Care$9,630/mo
Home Care$44.52/hr
Nursing Semi$12,190/mo
Nursing Priv$13,740/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $798k
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 Kahului, HI

40.9 hrs/wk Break-even threshold

At Kahului, HI's average caregiver rate of $44.52/hr, hiring in-home care equals the $7,890/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
$3,858/mo

Saves $4,032/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$8,488 vs. $7,890/mo

Full-time home care costs $598/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$15,432/mo

Assisted Living saves $7,542/mo; Memory Care averages $9,630/mo.

Kahului vs. Hawaii & U.S. Averages

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

Kahului, HI$7,890/mo
Hawaii State Average$8,180/mo
U.S. National Median$6,200/mo

Maui County Economic Context (U.S. Census)

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

Median Household Income $95,076/yr ($7,923/mo)
Median Home Value $858,600
Median Gross Rent $1,863/mo
Hawaii Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Kahului, HI

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

Hale Makua - Kahului
472 Kaulana Street, Kahului, HI 96732 • 8088772761
252 Certified Beds Non profit - Other CCN: 125007
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Kahului

The estimated median cost of assisted living in Kahului, HI is $7,890 per month ($94,680 per year), adjusted for Maui County housing and income data.
A semi-private room in a skilled nursing facility in Kahului averages $12,190 per month, while a private room averages $13,740 per month.
In-home caregiver services in Kahului, HI average $44.52 per hour, or roughly $8,490 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Hawaii is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Hawaii Cities

Wailuku, HI $7,890/mo Puunene, HI $7,890/mo Paia, HI $7,890/mo Kihei, HI $7,890/mo Pukalani, HI $7,890/mo Makawao, HI $7,890/mo Haiku, HI $7,890/mo Kula, HI $7,890/mo Lahaina, HI $7,890/mo Lanai City, HI $7,890/mo Hana, HI $7,890/mo Kaunakakai, HI $7,890/mo