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 Wood River, IL

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

Assisted Living🏠
$4,870/mo
$58,440/yr
-21% vs U.S. avg
Memory Care🧠
$5,940/mo
$71,280/yr
-21% vs U.S. avg
In-Home Care🤝
$27.48/hr
$5,240/mo (44h/wk)
-21% vs U.S. avg
Nursing Home (Semi)🏥
$7,520/mo
Private: $8,480/mo
-22% 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$4,870/mo
Memory Care$5,940/mo
Home Care$27.48/hr
Nursing Semi$7,520/mo
Nursing Priv$8,480/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $156k
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 Wood River, IL

40.9 hrs/wk Break-even threshold

At Wood River, IL's average caregiver rate of $27.48/hr, hiring in-home care equals the $4,870/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
$2,381/mo

Saves $2,489/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,239 vs. $4,870/mo

Full-time home care costs $369/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,526/mo

Assisted Living saves $4,656/mo; Memory Care averages $5,940/mo.

Wood River vs. Illinois & U.S. Averages

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

Wood River, IL$4,870/mo
Illinois State Average$5,890/mo
U.S. National Median$6,200/mo

Madison County Economic Context (U.S. Census)

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

Median Household Income $74,800/yr ($6,233/mo)
Median Home Value $167,900
Median Gross Rent $969/mo
Illinois Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Wood River, IL

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

Bria Of Woodriver
393 Edwardsville Road, Wood River, IL 62095 • 6182594111
106 Certified Beds For profit - Limited Liability company CCN: 145655
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Wood River

The estimated median cost of assisted living in Wood River, IL is $4,870 per month ($58,440 per year), adjusted for Madison County housing and income data.
A semi-private room in a skilled nursing facility in Wood River averages $7,520 per month, while a private room averages $8,480 per month.
In-home caregiver services in Wood River, IL average $27.48 per hour, or roughly $5,240 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

East Alton, IL $4,870/mo Roxana, IL $4,870/mo Hartford, IL $4,870/mo South Roxana, IL $4,870/mo Cottage Hills, IL $4,870/mo Bethalto, IL $4,870/mo Alton, IL $4,870/mo Edwardsville, IL $4,870/mo Moro, IL $4,870/mo Godfrey, IL $4,870/mo Granite City, IL $4,870/mo Glen Carbon, IL $4,870/mo