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
🔍
Home › Illinois › Carlyle, IL

Senior Care & Assisted Living Costs in Carlyle, IL

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

Assisted Living🏠
$5,000/mo
$60,000/yr
-19% vs U.S. avg
Memory Care🧠
$6,100/mo
$73,200/yr
-19% vs U.S. avg
In-Home Care🤝
$28.23/hr
$5,380/mo (44h/wk)
-19% vs U.S. avg
Nursing Home (Semi)🏥
$7,730/mo
Private: $8,710/mo
-19% 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$5,000/mo
Memory Care$6,100/mo
Home Care$28.23/hr
Nursing Semi$7,730/mo
Nursing Priv$8,710/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $168k
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 Carlyle, IL

40.9 hrs/wk Break-even threshold

At Carlyle, IL's average caregiver rate of $28.23/hr, hiring in-home care equals the $5,000/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
$2,446/mo

Saves $2,554/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,382 vs. $5,000/mo

Full-time home care costs $382/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,786/mo

Assisted Living saves $4,786/mo; Memory Care averages $6,100/mo.

Carlyle vs. Illinois & U.S. Averages

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

Carlyle, IL$5,000/mo
Illinois State Average$5,890/mo
U.S. National Median$6,200/mo

Clinton County Economic Context (U.S. Census)

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

Median Household Income $82,314/yr ($6,860/mo)
Median Home Value $180,500
Median Gross Rent $934/mo
Illinois Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Carlyle, IL

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

Carlyle Healthcare & Sr Living
501 Clinton Street, Carlyle, IL 62231 • 6185943112
109 Certified Beds For profit - Limited Liability company CCN: 145729
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Carlyle

The estimated median cost of assisted living in Carlyle, IL is $5,000 per month ($60,000 per year), adjusted for Clinton County housing and income data.
A semi-private room in a skilled nursing facility in Carlyle averages $7,730 per month, while a private room averages $8,710 per month.
In-home caregiver services in Carlyle, IL average $28.23 per hour, or roughly $5,380 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Illinois is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Illinois Cities

Beckemeyer, IL $5,000/mo Huey, IL $5,000/mo Bartelso, IL $5,000/mo Hoffman, IL $5,000/mo Breese, IL $5,000/mo Keyesport, IL $5,000/mo Germantown, IL $5,000/mo Hoyleton, IL $4,370/mo Pierron, IL $4,340/mo Okawville, IL $4,370/mo Aviston, IL $5,000/mo Pocahontas, IL $4,340/mo