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 › Iowa › Sumner, IA

Senior Care & Assisted Living Costs in Sumner, IA

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

Assisted Living🏠
$4,790/mo
$57,480/yr
-23% vs U.S. avg
Memory Care🧠
$5,840/mo
$70,080/yr
-23% vs U.S. avg
In-Home Care🤝
$27.03/hr
$5,150/mo (44h/wk)
-23% vs U.S. avg
Nursing Home (Semi)🏥
$7,400/mo
Private: $8,340/mo
-23% 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$4,790/mo
Memory Care$5,840/mo
Home Care$27.03/hr
Nursing Semi$7,400/mo
Nursing Priv$8,340/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $193k
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 Sumner, IA

40.9 hrs/wk Break-even threshold

At Sumner, IA's average caregiver rate of $27.03/hr, hiring in-home care equals the $4,790/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
$2,342/mo

Saves $2,448/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,153 vs. $4,790/mo

Full-time home care costs $363/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,370/mo

Assisted Living saves $4,580/mo; Memory Care averages $5,840/mo.

Sumner vs. Iowa & U.S. Averages

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

Sumner, IA$4,790/mo
Iowa State Average$4,740/mo
U.S. National Median$6,200/mo

Bremer County Economic Context (U.S. Census)

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

Median Household Income $83,343/yr ($6,945/mo)
Median Home Value $207,200
Median Gross Rent $844/mo
Iowa Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Sumner, IA

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

Hillcrest Home
915 West First Street, Sumner, IA 50674 • 5635788591
61 Certified Beds Non profit - Corporation CCN: 165502
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Sumner

The estimated median cost of assisted living in Sumner, IA is $4,790 per month ($57,480 per year), adjusted for Bremer County housing and income data.
A semi-private room in a skilled nursing facility in Sumner averages $7,400 per month, while a private room averages $8,340 per month.
In-home caregiver services in Sumner, IA average $27.03 per hour, or roughly $5,150 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Iowa is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Iowa Cities

Westgate, IA $4,340/mo Fredericksburg, IA $4,340/mo Oran, IA $4,340/mo Tripoli, IA $4,790/mo Readlyn, IA $4,790/mo Hawkeye, IA $4,340/mo Frederika, IA $4,790/mo Waucoma, IA $4,340/mo Randalia, IA $4,340/mo Maynard, IA $4,340/mo Fairbank, IA $4,530/mo Lawler, IA $4,340/mo