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 Warsaw, IN

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

Assisted Living🏠
$4,910/mo
$58,920/yr
-21% vs U.S. avg
Memory Care🧠
$5,990/mo
$71,880/yr
-21% vs U.S. avg
In-Home Care🤝
$27.72/hr
$5,280/mo (44h/wk)
-21% vs U.S. avg
Nursing Home (Semi)🏥
$7,590/mo
Private: $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: $186k
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 Warsaw, IN

40.9 hrs/wk Break-even threshold

At Warsaw, IN'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.

Warsaw vs. Indiana & U.S. Averages

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

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

Kosciusko County Economic Context (U.S. Census)

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

Median Household Income $73,922/yr ($6,160/mo)
Median Home Value $200,300
Median Gross Rent $995/mo
Indiana Medicaid Limit (2026) $2,901/mo

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

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

Paddock Springs
2695 Sheldon Street, Warsaw, IN 46582 • 5746589455
60 Certified Beds For profit - Corporation CCN: 155495
5/5 CMS Rating
Miller'S Merry Manor
1630 S County Farm Rd, Warsaw, IN 46580 • 5742678196
137 Certified Beds For profit - Corporation CCN: 155049
4/5 CMS Rating
Mason Health Care Center
900 Provident Drive, Warsaw, IN 46580 • 5743712500
105 Certified Beds Non profit - Corporation CCN: 155003
3/5 CMS Rating
Warsaw Meadows
300 E Prairie St, Warsaw, IN 46580 • 5742678922
80 Certified Beds For profit - Corporation CCN: 155566
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Warsaw

The estimated median cost of assisted living in Warsaw, IN is $4,910 per month ($58,920 per year), adjusted for Kosciusko County housing and income data.
A semi-private room in a skilled nursing facility in Warsaw averages $7,590 per month, while a private room averages $8,550 per month.
In-home caregiver services in Warsaw, IN average $27.72 per hour, or roughly $5,280 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

Winona Lake, IN $4,910/mo Leesburg, IN $4,910/mo Atwood, IN $4,910/mo Claypool, IN $4,910/mo Burket, IN $4,910/mo Pierceton, IN $4,910/mo North Webster, IN $4,910/mo Milford, IN $4,910/mo Silver Lake, IN $4,910/mo Etna Green, IN $4,910/mo Mentone, IN $4,910/mo Syracuse, IN $4,910/mo