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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Home › Indiana › Goshen, IN

Senior Care & Assisted Living Costs in Goshen, IN

2026 monthly care rates for Goshen (Elkhart County), local Census affordability metrics, and 4 CMS-certified care facilities.

Assisted Living🏠
$4,740/mo
$56,880/yr
-24% vs U.S. avg
Memory Care🧠
$5,780/mo
$69,360/yr
-24% vs U.S. avg
In-Home Care🤝
$26.73/hr
$5,100/mo (44h/wk)
-24% vs U.S. avg
Nursing Home (Semi)🏥
$7,320/mo
Private: $8,250/mo
-24% 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$4,740/mo
Memory Care$5,780/mo
Home Care$26.73/hr
Nursing Semi$7,320/mo
Nursing Priv$8,250/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $181k
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 Goshen, IN

40.9 hrs/wk Break-even threshold

At Goshen, IN's average caregiver rate of $26.73/hr, hiring in-home care equals the $4,740/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
$2,316/mo

Saves $2,424/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,096 vs. $4,740/mo

Full-time home care costs $356/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,266/mo

Assisted Living saves $4,526/mo; Memory Care averages $5,780/mo.

Goshen vs. Indiana & U.S. Averages

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

Goshen, IN$4,740/mo
Indiana State Average$4,910/mo
U.S. National Median$6,200/mo

Elkhart County Economic Context (U.S. Census)

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

Median Household Income $65,617/yr ($5,468/mo)
Median Home Value $194,400
Median Gross Rent $1,023/mo
Indiana Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Goshen, IN

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

Waterford Crossing
1332 Waterford Cir, Goshen, IN 46526 • 5745343920
87 Certified Beds For profit - Corporation CCN: 155760
5/5 CMS Rating
Restoracy Of Goshen, The
1510 Sandpiper Ln, Goshen, IN 46526 • 3176535767
48 Certified Beds For profit - Individual CCN: 155856
4/5 CMS Rating
Greencroft Healthcare
1225 Greencroft Dr, Goshen, IN 46527 • 5745374000
214 Certified Beds Non profit - Corporation CCN: 155205
2/5 CMS Rating
Majestic Care Of Goshen
2400 College Ave, Goshen, IN 46528 • 5745330351
186 Certified Beds For profit - Limited Liability company CCN: 155689
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Goshen

The estimated median cost of assisted living in Goshen, IN is $4,740 per month ($56,880 per year), adjusted for Elkhart County housing and income data.
A semi-private room in a skilled nursing facility in Goshen averages $7,320 per month, while a private room averages $8,250 per month.
In-home caregiver services in Goshen, IN average $26.73 per hour, or roughly $5,100 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Indiana is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Indiana Cities

New Paris, IN $4,740/mo Bristol, IN $4,740/mo Millersburg, IN $4,740/mo Middlebury, IN $4,740/mo Milford, IN $4,910/mo Elkhart, IN $4,740/mo Wakarusa, IN $4,740/mo Nappanee, IN $4,740/mo Syracuse, IN $4,910/mo Osceola, IN $4,730/mo Shipshewana, IN $4,730/mo Leesburg, IN $4,910/mo