2026 monthly care rates for Dubuque (Dubuque County), local Census affordability metrics, and 8 CMS-certified care facilities.
Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.
At Dubuque, IA's average caregiver rate of $27.29/hr, hiring in-home care equals the $4,830/mo cost of Assisted Living at exactly 40.8 hours per week (~5.8 hrs/day).
Saves $2,465/mo vs. Assisted Living (excludes home mortgage/utilities).
Full-time home care costs $373/mo more than Assisted Living (where meals & utilities are included).
Assisted Living saves $4,630/mo; Memory Care averages $5,890/mo.
Monthly Assisted Living cost comparison adjusted for Dubuque County economic indicators.
Official ACS 5-Year benchmarks used to model local care affordability (see methodology).
| Median Household Income | $75,919/yr ($6,327/mo) |
| Median Home Value | $226,100 |
| Median Gross Rent | $944/mo |
| Iowa Medicaid Limit (2026) | $2,901/mo |
Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.