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 Indiana

Compare monthly care rates across 738 cities and 507 CMS-certified nursing facilities in Indiana.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 507 Avg. Home Value: $178,003
Assisted Living🏠
$4,910/mo
$58,920/year
-21% vs U.S. avg
Memory Care🧠
$5,990/mo
$71,880/year
-21% vs U.S. avg
Home Care (44h/wk)🤝
$5,280/mo
$27.72 per hour
-21% vs U.S. avg
Nursing Home (Semi)🏥
$7,590/mo
Private room: $8,550/mo
-21% 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$4,910/mo
Memory Care$5,990/mo
Home Care$27.72/hr
Nursing Semi$7,590/mo
Nursing Priv$8,550/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $166k
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 Indiana

40.9 hrs/wk Break-even threshold

At Indiana's average caregiver rate of $27.72/hr, hiring in-home care equals the $4,910/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
$2,402/mo

Saves $2,508/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,285 vs. $4,910/mo

Full-time home care costs $375/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,609/mo

Assisted Living saves $4,699/mo; Memory Care averages $5,990/mo.

Major Cities in Indiana

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
Indianapolis Hamilton $7,510/mo $9,160/mo $11,610/mo $379,100 44
Fort Wayne Allen $4,710/mo $5,750/mo $7,270/mo $194,300 26
Evansville Vanderburgh $4,440/mo $5,420/mo $6,850/mo $172,300 17
Muncie Delaware $4,340/mo $5,290/mo $6,710/mo $127,600 11
South Bend St Joseph $4,730/mo $5,770/mo $7,310/mo $179,800 10
Terre Haute $4,910/mo $5,990/mo $7,590/mo $206,479 9
Carmel Hamilton $7,510/mo $9,160/mo $11,610/mo $379,100 8
Elkhart Elkhart $4,740/mo $5,780/mo $7,320/mo $194,400 8
Richmond Wayne $4,340/mo $5,290/mo $6,710/mo $126,100 7
Anderson Madison $4,380/mo $5,340/mo $6,780/mo $147,700 6
Bloomington Monroe $5,010/mo $6,110/mo $7,750/mo $261,700 6
Kokomo Howard $4,350/mo $5,310/mo $6,720/mo $151,500 6
Lafayette Tippecanoe $4,700/mo $5,730/mo $7,260/mo $217,600 6
New Albany Floyd $5,030/mo $6,140/mo $7,770/mo $235,100 6
Bedford Lawrence $4,340/mo $5,290/mo $6,710/mo $164,500 5
Columbus Bartholomew $5,420/mo $6,610/mo $8,370/mo $221,100 5
Franklin Johnson $5,890/mo $7,190/mo $9,100/mo $260,400 5
Greensburg Decatur $4,470/mo $5,450/mo $6,910/mo $189,900 5
Greenwood Johnson $5,890/mo $7,190/mo $9,100/mo $260,400 5
Jasper Dubois $4,340/mo $5,290/mo $6,710/mo $212,500 5
New Castle Henry $4,340/mo $5,290/mo $6,710/mo $140,200 5
Newburgh Warrick $5,580/mo $6,810/mo $8,630/mo $228,900 5
Valparaiso Porter $5,680/mo $6,930/mo $8,770/mo $261,900 5
Wabash Wabash $4,340/mo $5,290/mo $6,710/mo $143,600 5
West Lafayette Tippecanoe $4,700/mo $5,730/mo $7,260/mo $217,600 5
Avon Hendricks $6,690/mo $8,160/mo $10,340/mo $281,500 4
Clarksville Clark $5,030/mo $6,140/mo $7,780/mo $212,400 4
Connersville Fayette $4,340/mo $5,290/mo $6,710/mo $114,800 4
Crawfordsville Montgomery $4,340/mo $5,290/mo $6,710/mo $166,300 4
Crown Point Lake $5,030/mo $6,140/mo $7,770/mo $214,700 4
Goshen Elkhart $4,740/mo $5,780/mo $7,320/mo $194,400 4
Greencastle Putnam $4,680/mo $5,710/mo $7,230/mo $205,800 4
Greenfield Hancock $5,780/mo $7,050/mo $8,930/mo $258,100 4
Huntington Huntington $4,340/mo $5,290/mo $6,710/mo $146,400 4
Logansport Cass $4,340/mo $5,290/mo $6,710/mo $118,700 4
Marion Grant $4,340/mo $5,290/mo $6,710/mo $116,000 4
Peru Miami $4,340/mo $5,290/mo $6,710/mo $118,000 4
Scottsburg Scott $4,340/mo $5,290/mo $6,710/mo $145,400 4
Vincennes Knox $4,340/mo $5,290/mo $6,710/mo $123,500 4
Warsaw Kosciusko $4,910/mo $5,990/mo $7,590/mo $200,300 4
Washington Daviess $4,340/mo $5,290/mo $6,710/mo $187,500 4
Boonville Warrick $5,580/mo $6,810/mo $8,630/mo $228,900 3
Chesterton Porter $5,680/mo $6,930/mo $8,770/mo $261,900 3
Corydon Harrison $4,510/mo $5,500/mo $6,960/mo $219,200 3
Dyer Lake $5,030/mo $6,140/mo $7,770/mo $214,700 3
Kendallville Noble $4,340/mo $5,290/mo $6,710/mo $183,400 3
La Porte La Porte $4,620/mo $5,640/mo $7,140/mo $180,700 3
Lawrenceburg Dearborn $4,780/mo $5,830/mo $7,390/mo $227,100 3
Lebanon Boone $6,620/mo $8,080/mo $10,230/mo $341,800 3
Madison Jefferson $4,340/mo $5,290/mo $6,710/mo $180,600 3
Merrillville Lake $5,030/mo $6,140/mo $7,770/mo $214,700 3
Mishawaka St Joseph $4,730/mo $5,770/mo $7,310/mo $179,800 3
Mooresville Morgan $5,050/mo $6,160/mo $7,800/mo $220,100 3
Noblesville Hamilton $7,510/mo $9,160/mo $11,610/mo $379,100 3
Seymour Jackson $4,670/mo $5,700/mo $7,210/mo $174,500 3
Shelbyville Shelby $4,730/mo $5,770/mo $7,300/mo $188,300 3
Westfield Hamilton $7,510/mo $9,160/mo $11,610/mo $379,100 3
Angola Steuben $4,640/mo $5,660/mo $7,170/mo $204,300 2
Auburn De Kalb $4,350/mo $5,310/mo $6,720/mo $177,900 2
Batesville Ripley $4,340/mo $5,290/mo $6,710/mo $205,300 2
Beech Grove Marion $4,900/mo $5,980/mo $7,570/mo $207,000 2
Berne Adams $4,340/mo $5,290/mo $6,710/mo $173,100 2
Bluffton Wells $4,360/mo $5,320/mo $6,740/mo $180,000 2
Brownsburg Hendricks $6,690/mo $8,160/mo $10,340/mo $281,500 2
Clinton Vermillion $4,340/mo $5,290/mo $6,710/mo $109,500 2
Columbia City Whitley $4,620/mo $5,640/mo $7,140/mo $205,200 2
Dale Spencer $4,340/mo $5,290/mo $6,710/mo $180,200 2
Demotte Jasper $4,900/mo $5,980/mo $7,570/mo $204,400 2
Fishers Hamilton $7,510/mo $9,160/mo $11,610/mo $379,100 2
Frankfort Clinton $4,390/mo $5,360/mo $6,780/mo $157,300 2
Gary Lake $5,030/mo $6,140/mo $7,770/mo $214,700 2
Hanover Jefferson $4,340/mo $5,290/mo $6,710/mo $180,600 2
Hartford City Blackford $4,340/mo $5,290/mo $6,710/mo $96,700 2
Hobart Lake $5,030/mo $6,140/mo $7,770/mo $214,700 2
Lagrange Lagrange $4,730/mo $5,770/mo $7,300/mo $249,500 2
Loogootee Martin $4,340/mo $5,290/mo $6,710/mo $150,400 2
Lowell Lake $5,030/mo $6,140/mo $7,770/mo $214,700 2
Martinsville Morgan $5,050/mo $6,160/mo $7,800/mo $220,100 2
Michigan City La Porte $4,620/mo $5,640/mo $7,140/mo $180,700 2
Middletown Henry $4,340/mo $5,290/mo $6,710/mo $140,200 2

Indiana Senior Care FAQ (2026)

The statewide average for assisted living in Indiana is $4,910 per month ($58,920 per year), compared to the U.S. national median of $6,200 per month.
In Indiana, a semi-private room in a CMS-certified nursing home averages $7,590 per month, while a private room averages $8,550 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Indiana is $2,901 per month.