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 Illinois

Compare monthly care rates across 1,287 cities and 664 CMS-certified nursing facilities in Illinois.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 664 Avg. Home Value: $169,962
Assisted Living🏠
$5,890/mo
$70,680/year
-5% vs U.S. avg
Memory Care🧠
$7,190/mo
$86,280/year
-5% vs U.S. avg
Home Care (44h/wk)🤝
$6,340/mo
$33.24 per hour
-5% vs U.S. avg
Nursing Home (Semi)🏥
$9,100/mo
Private room: $10,250/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$5,890/mo
Memory Care$7,190/mo
Home Care$33.24/hr
Nursing Semi$9,100/mo
Nursing Priv$10,250/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $158k
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 Illinois

40.9 hrs/wk Break-even threshold

At Illinois's average caregiver rate of $33.24/hr, hiring in-home care equals the $5,890/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
$2,881/mo

Saves $3,009/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,337 vs. $5,890/mo

Full-time home care costs $447/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,522/mo

Assisted Living saves $5,632/mo; Memory Care averages $7,190/mo.

Major Cities in Illinois

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
Chicago Cook $6,190/mo $7,550/mo $9,560/mo $305,200 77
Rockford Winnebago $4,600/mo $5,610/mo $7,110/mo $155,100 12
Aurora Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 8
Elgin Kane $6,820/mo $8,320/mo $10,540/mo $303,000 8
Evanston Cook $6,190/mo $7,550/mo $9,560/mo $305,200 8
Peoria Peoria $4,510/mo $5,500/mo $6,970/mo $152,600 8
Joliet Will $7,060/mo $8,610/mo $10,910/mo $298,000 7
Naperville Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 7
Niles Cook $6,190/mo $7,550/mo $9,560/mo $305,200 7
Des Plaines Cook $6,190/mo $7,550/mo $9,560/mo $305,200 6
Springfield Sangamon $4,810/mo $5,870/mo $7,430/mo $170,300 6
Belleville Saint Clair $5,890/mo $7,190/mo $9,100/mo $260,426 5
Decatur Macon $4,340/mo $5,290/mo $6,710/mo $121,800 5
Galesburg Knox $4,340/mo $5,290/mo $6,710/mo $104,900 5
Northbrook Cook $6,190/mo $7,550/mo $9,560/mo $305,200 5
Skokie Cook $6,190/mo $7,550/mo $9,560/mo $305,200 5
Bloomington Mclean $5,040/mo $6,150/mo $7,780/mo $198,300 4
Canton Fulton $4,340/mo $5,290/mo $6,710/mo $102,500 4
Danville Vermilion $4,340/mo $5,290/mo $6,710/mo $92,900 4
Dekalb Dekalb $4,890/mo $5,970/mo $7,550/mo $231,900 4
Elmhurst Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 4
Freeport Stephenson $4,340/mo $5,290/mo $6,710/mo $127,500 4
Glenview Cook $6,190/mo $7,550/mo $9,560/mo $305,200 4
Jacksonville Morgan $4,340/mo $5,290/mo $6,710/mo $128,700 4
Macomb Mcdonough $4,340/mo $5,290/mo $6,710/mo $103,500 4
Mount Vernon Jefferson $4,340/mo $5,290/mo $6,710/mo $118,400 4
Oak Lawn Cook $6,190/mo $7,550/mo $9,560/mo $305,200 4
Quincy Adams $4,340/mo $5,290/mo $6,710/mo $155,900 4
Alton Madison $4,870/mo $5,940/mo $7,520/mo $167,900 3
Belvidere Boone $5,190/mo $6,330/mo $8,020/mo $198,600 3
Benton Franklin $4,340/mo $5,290/mo $6,710/mo $87,700 3
Bloomingdale Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 3
Carlinville Macoupin $4,340/mo $5,290/mo $6,710/mo $126,100 3
Crystal Lake Mchenry $6,760/mo $8,250/mo $10,450/mo $286,900 3
Edwardsville Madison $4,870/mo $5,940/mo $7,520/mo $167,900 3
Effingham Effingham $4,340/mo $5,290/mo $6,710/mo $179,800 3
Geneseo Henry $4,360/mo $5,320/mo $6,740/mo $145,300 3
Jerseyville Jersey $4,530/mo $5,530/mo $6,990/mo $168,800 3
Kankakee Kankakee $4,960/mo $6,050/mo $7,660/mo $185,700 3
Mattoon Coles $4,340/mo $5,290/mo $6,710/mo $121,900 3
Normal Mclean $5,040/mo $6,150/mo $7,780/mo $198,300 3
Orland Park Cook $6,190/mo $7,550/mo $9,560/mo $305,200 3
Ottawa La Salle $4,620/mo $5,640/mo $7,140/mo $154,900 3
Palos Heights Cook $6,190/mo $7,550/mo $9,560/mo $305,200 3
Park Ridge Cook $6,190/mo $7,550/mo $9,560/mo $305,200 3
Pekin Tazewell $4,730/mo $5,770/mo $7,320/mo $164,500 3
Pontiac Livingston $4,440/mo $5,420/mo $6,860/mo $131,500 3
Rock Island Rock Island $4,340/mo $5,290/mo $6,710/mo $144,700 3
South Holland Cook $6,190/mo $7,550/mo $9,560/mo $305,200 3
Sterling Whiteside $4,340/mo $5,290/mo $6,710/mo $125,800 3
Waukegan Lake $7,150/mo $8,720/mo $11,050/mo $326,600 3
Westmont Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 3
Wheaton Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 3
Wheeling Cook $6,190/mo $7,550/mo $9,560/mo $305,200 3
Aledo Mercer $4,340/mo $5,290/mo $6,710/mo $139,300 2
Alhambra Madison $4,870/mo $5,940/mo $7,520/mo $167,900 2
Barrington Lake $7,150/mo $8,720/mo $11,050/mo $326,600 2
Batavia Kane $6,820/mo $8,320/mo $10,540/mo $303,000 2
Bridgeview Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Burbank Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Carbondale Jackson $4,340/mo $5,290/mo $6,710/mo $125,000 2
Carmi White $4,340/mo $5,290/mo $6,710/mo $100,100 2
Casey Clark $4,360/mo $5,320/mo $6,740/mo $123,100 2
Centralia Marion $4,340/mo $5,290/mo $6,710/mo $100,100 2
Charleston Coles $4,340/mo $5,290/mo $6,710/mo $121,900 2
Chicago Heights Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Chicago Ridge Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Cicero Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Dixon Lee $4,360/mo $5,320/mo $6,740/mo $155,100 2
Dolton Cook $6,190/mo $7,550/mo $9,560/mo $305,200 2
Downers Grove Dupage $7,720/mo $9,420/mo $11,930/mo $374,100 2
Du Quoin Perry $4,340/mo $5,290/mo $6,710/mo $105,200 2
East Moline Rock Island $4,340/mo $5,290/mo $6,710/mo $144,700 2
East Peoria Tazewell $4,730/mo $5,770/mo $7,320/mo $164,500 2
El Paso Woodford $5,030/mo $6,140/mo $7,770/mo $193,800 2
Eureka Woodford $5,030/mo $6,140/mo $7,770/mo $193,800 2
Fairfield Wayne $4,340/mo $5,290/mo $6,710/mo $109,400 2
Flora Clay $4,340/mo $5,290/mo $6,710/mo $94,300 2
Geneva Kane $6,820/mo $8,320/mo $10,540/mo $303,000 2
Gibson City Ford $4,340/mo $5,290/mo $6,710/mo $118,100 2

Illinois Senior Care FAQ (2026)

The statewide average for assisted living in Illinois is $5,890 per month ($70,680 per year), compared to the U.S. national median of $6,200 per month.
In Illinois, a semi-private room in a CMS-certified nursing home averages $9,100 per month, while a private room averages $10,250 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Illinois is $2,901 per month.