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 Idaho

Compare monthly care rates across 266 cities and 80 CMS-certified nursing facilities in Idaho.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 80 Avg. Home Value: $321,200
Assisted Living🏠
$5,390/mo
$64,680/year
-13% vs U.S. avg
Memory Care🧠
$6,580/mo
$78,960/year
-13% vs U.S. avg
Home Care (44h/wk)🤝
$5,810/mo
$30.45 per hour
-13% vs U.S. avg
Nursing Home (Semi)🏥
$8,340/mo
Private room: $9,400/mo
-13% 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$5,390/mo
Memory Care$6,580/mo
Home Care$30.45/hr
Nursing Semi$8,340/mo
Nursing Priv$9,400/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $299k
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 Idaho

40.9 hrs/wk Break-even threshold

At Idaho's average caregiver rate of $30.45/hr, hiring in-home care equals the $5,390/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
$2,639/mo

Saves $2,751/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,805 vs. $5,390/mo

Full-time home care costs $415/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,555/mo

Assisted Living saves $5,165/mo; Memory Care averages $6,580/mo.

Major Cities in Idaho

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
Boise $5,400/mo $6,590/mo $8,340/mo $378,681 10
Lewiston Nez Perce $4,680/mo $5,710/mo $7,230/mo $291,300 6
Nampa Canyon $5,570/mo $6,800/mo $8,610/mo $350,300 6
Pocatello Bannock $4,340/mo $5,290/mo $6,710/mo $267,200 4
Idaho Falls Bonneville $5,150/mo $6,280/mo $7,960/mo $327,000 3
Meridian Ada $6,630/mo $8,090/mo $10,240/mo $476,000 3
Twin Falls Twin Falls $4,690/mo $5,720/mo $7,260/mo $292,700 3
Blackfoot Bingham $4,600/mo $5,610/mo $7,100/mo $258,000 2
Burley Cassia $4,500/mo $5,490/mo $6,960/mo $257,300 2
Caldwell Canyon $5,570/mo $6,800/mo $8,610/mo $350,300 2
Emmett Gem $4,390/mo $5,360/mo $6,780/mo $367,300 2
Moscow Latah $4,400/mo $5,370/mo $6,810/mo $342,500 2
Post Falls Kootenai $5,910/mo $7,210/mo $9,130/mo $467,400 2
Rexburg Madison $4,360/mo $5,320/mo $6,730/mo $365,000 2
Sandpoint Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 2
American Falls Power $4,340/mo $5,290/mo $6,710/mo $191,200 1
Ashton Fremont $4,360/mo $5,320/mo $6,740/mo $281,800 1
Bellevue Blaine $5,830/mo $7,110/mo $9,010/mo $663,800 1
Bonners Ferry Boundary $4,340/mo $5,290/mo $6,710/mo $344,100 1
Buhl Twin Falls $4,690/mo $5,720/mo $7,260/mo $292,700 1
Gooding Gooding $4,340/mo $5,290/mo $6,710/mo $231,800 1
Grangeville Idaho $4,340/mo $5,290/mo $6,710/mo $284,600 1
Homedale Owyhee $4,340/mo $5,290/mo $6,710/mo $281,600 1
Kellogg Shoshone $4,340/mo $5,290/mo $6,710/mo $222,700 1
Kimberly Twin Falls $4,690/mo $5,720/mo $7,260/mo $292,700 1
Mccall Valley $5,020/mo $6,120/mo $7,760/mo $599,500 1
Montpelier Bear Lake $4,340/mo $5,290/mo $6,710/mo $234,200 1
Mountain Home Elmore $4,770/mo $5,820/mo $7,370/mo $278,300 1
Orofino Clearwater $4,340/mo $5,290/mo $6,710/mo $240,800 1
Payette Payette $4,340/mo $5,290/mo $6,710/mo $310,700 1
Preston Franklin $4,340/mo $5,290/mo $6,710/mo $304,000 1
Rupert Minidoka $4,560/mo $5,560/mo $7,050/mo $235,300 1
Salmon Lemhi $4,340/mo $5,290/mo $6,710/mo $282,100 1
Shoshone Lincoln $4,340/mo $5,290/mo $6,710/mo $206,700 1
Silverton Shoshone $4,340/mo $5,290/mo $6,710/mo $222,700 1
Weiser Washington $4,340/mo $5,290/mo $6,710/mo $250,300 1
Aberdeen Bingham $4,600/mo $5,610/mo $7,100/mo $258,000 0
Ahsahka Clearwater $4,340/mo $5,290/mo $6,710/mo $240,800 0
Albion Cassia $4,500/mo $5,490/mo $6,960/mo $257,300 0
Almo Cassia $4,500/mo $5,490/mo $6,960/mo $257,300 0
Arbon Power $4,340/mo $5,290/mo $6,710/mo $191,200 0
Arco Butte $4,340/mo $5,290/mo $6,710/mo $195,800 0
Arimo Bannock $4,340/mo $5,290/mo $6,710/mo $267,200 0
Athol Kootenai $5,910/mo $7,210/mo $9,130/mo $467,400 0
Atlanta Elmore $4,770/mo $5,820/mo $7,370/mo $278,300 0
Atomic City Bingham $4,600/mo $5,610/mo $7,100/mo $258,000 0
Avery Shoshone $4,340/mo $5,290/mo $6,710/mo $222,700 0
Bancroft Caribou $4,340/mo $5,290/mo $6,710/mo $220,200 0
Banks Boise $4,630/mo $5,650/mo $7,160/mo $424,100 0
Basalt Bingham $4,600/mo $5,610/mo $7,100/mo $258,000 0
Bayview Kootenai $5,910/mo $7,210/mo $9,130/mo $467,400 0
Bern Bear Lake $4,340/mo $5,290/mo $6,710/mo $234,200 0
Blanchard Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Bliss Gooding $4,340/mo $5,290/mo $6,710/mo $231,800 0
Bloomington Bear Lake $4,340/mo $5,290/mo $6,710/mo $234,200 0
Bovill Latah $4,400/mo $5,370/mo $6,810/mo $342,500 0
Bruneau Owyhee $4,340/mo $5,290/mo $6,710/mo $281,600 0
Calder Shoshone $4,340/mo $5,290/mo $6,710/mo $222,700 0
Cambridge Washington $4,340/mo $5,290/mo $6,710/mo $250,300 0
Carey Blaine $5,830/mo $7,110/mo $9,010/mo $663,800 0
Careywood Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Carmen Lemhi $4,340/mo $5,290/mo $6,710/mo $282,100 0
Cascade Valley $5,020/mo $6,120/mo $7,760/mo $599,500 0
Castleford Twin Falls $4,690/mo $5,720/mo $7,260/mo $292,700 0
Cataldo Kootenai $5,910/mo $7,210/mo $9,130/mo $467,400 0
Challis Custer $4,340/mo $5,290/mo $6,710/mo $295,600 0
Chester Fremont $4,360/mo $5,320/mo $6,740/mo $281,800 0
Clark Fork Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Clarkia Shoshone $4,340/mo $5,290/mo $6,710/mo $222,700 0
Clayton Custer $4,340/mo $5,290/mo $6,710/mo $295,600 0
Clifton Franklin $4,340/mo $5,290/mo $6,710/mo $304,000 0
Cobalt Lemhi $4,340/mo $5,290/mo $6,710/mo $282,100 0
Cocolalla Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Coeur D Alene Kootenai $5,910/mo $7,210/mo $9,130/mo $467,400 0
Colburn Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Conda Caribou $4,340/mo $5,290/mo $6,710/mo $220,200 0
Coolin Bonner $4,820/mo $5,880/mo $7,450/mo $433,400 0
Corral Camas $4,350/mo $5,310/mo $6,720/mo $248,900 0
Cottonwood Idaho $4,340/mo $5,290/mo $6,710/mo $284,600 0
Council Adams $4,340/mo $5,290/mo $6,710/mo $327,300 0

Idaho Senior Care FAQ (2026)

The statewide average for assisted living in Idaho is $5,390 per month ($64,680 per year), compared to the U.S. national median of $6,200 per month.
In Idaho, a semi-private room in a CMS-certified nursing home averages $8,340 per month, while a private room averages $9,400 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Idaho is $2,901 per month.