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 Louisiana

Compare monthly care rates across 479 cities and 265 CMS-certified nursing facilities in Louisiana.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 265 Avg. Home Value: $169,439
Assisted Living🏠
$4,650/mo
$55,800/year
-25% vs U.S. avg
Memory Care🧠
$5,670/mo
$68,040/year
-25% vs U.S. avg
Home Care (44h/wk)🤝
$5,000/mo
$26.25 per hour
-25% vs U.S. avg
Nursing Home (Semi)🏥
$7,190/mo
Private room: $8,100/mo
-25% 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$4,650/mo
Memory Care$5,670/mo
Home Care$26.25/hr
Nursing Semi$7,190/mo
Nursing Priv$8,100/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $158k
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 Louisiana

40.9 hrs/wk Break-even threshold

At Louisiana's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/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
$2,275/mo

Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,005 vs. $4,650/mo

Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,099/mo

Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.

Major Cities in Louisiana

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
Baton Rouge East Baton Rouge $4,920/mo $6,000/mo $7,610/mo $241,800 21
Shreveport Caddo $4,340/mo $5,290/mo $6,710/mo $175,900 21
New Orleans Jefferson $5,100/mo $6,220/mo $7,880/mo $243,500 11
Bossier City Bossier $5,150/mo $6,280/mo $7,960/mo $215,100 9
Lafayette Lafayette $4,790/mo $5,840/mo $7,410/mo $234,200 8
Lake Charles Calcasieu $5,000/mo $6,100/mo $7,730/mo $208,500 7
Monroe Ouachita $4,340/mo $5,290/mo $6,710/mo $183,000 7
Alexandria Rapides $4,340/mo $5,290/mo $6,710/mo $179,100 5
Hammond Tangipahoa $4,350/mo $5,310/mo $6,720/mo $204,600 4
Houma Terrebonne $4,680/mo $5,710/mo $7,230/mo $189,100 4
Metairie Jefferson $5,100/mo $6,220/mo $7,880/mo $243,500 4
New Iberia Iberia $4,340/mo $5,290/mo $6,710/mo $156,000 4
Pineville Rapides $4,340/mo $5,290/mo $6,710/mo $179,100 4
Bastrop Morehouse $4,340/mo $5,290/mo $6,710/mo $108,700 3
Covington Saint Tammany $4,610/mo $5,620/mo $7,130/mo $208,681 3
Jennings Jefferson Davis $4,340/mo $5,290/mo $6,710/mo $145,000 3
Natchitoches Natchitoches $4,340/mo $5,290/mo $6,710/mo $163,000 3
Opelousas Saint Landry $4,610/mo $5,620/mo $7,130/mo $208,681 3
Ruston Lincoln $4,340/mo $5,290/mo $6,710/mo $195,500 3
Slidell Saint Tammany $4,610/mo $5,620/mo $7,130/mo $208,681 3
Thibodaux Lafourche $4,430/mo $5,400/mo $6,840/mo $190,800 3
West Monroe Ouachita $4,340/mo $5,290/mo $6,710/mo $183,000 3
Abbeville Vermilion $4,340/mo $5,290/mo $6,710/mo $159,700 2
Arcadia Bienville $4,340/mo $5,290/mo $6,710/mo $93,600 2
Crowley Acadia $4,340/mo $5,290/mo $6,710/mo $146,900 2
Denham Springs Livingston $5,340/mo $6,510/mo $8,250/mo $218,900 2
Deridder Beauregard $4,340/mo $5,290/mo $6,710/mo $164,500 2
Eunice Saint Landry $4,610/mo $5,620/mo $7,130/mo $208,681 2
Farmerville Union $4,340/mo $5,290/mo $6,710/mo $115,400 2
Franklinton Washington $4,340/mo $5,290/mo $6,710/mo $139,400 2
Gonzales Ascension $6,240/mo $7,610/mo $9,640/mo $265,300 2
Homer Claiborne $4,340/mo $5,290/mo $6,710/mo $82,400 2
Jackson East Feliciana $4,340/mo $5,290/mo $6,710/mo $213,700 2
Jena La Salle $4,340/mo $5,290/mo $6,710/mo $137,200 2
Jonesboro Jackson $4,340/mo $5,290/mo $6,710/mo $107,400 2
Kaplan Vermilion $4,340/mo $5,290/mo $6,710/mo $159,700 2
Kenner Jefferson $5,100/mo $6,220/mo $7,880/mo $243,500 2
Mandeville Saint Tammany $4,610/mo $5,620/mo $7,130/mo $208,681 2
Mansfield De Soto $4,340/mo $5,290/mo $6,710/mo $150,700 2
Many Sabine $4,340/mo $5,290/mo $6,710/mo $129,400 2
Marksville Avoyelles $4,340/mo $5,290/mo $6,710/mo $120,200 2
Marrero Jefferson $5,100/mo $6,220/mo $7,880/mo $243,500 2
Minden Webster $4,340/mo $5,290/mo $6,710/mo $105,600 2
New Roads Pointe Coupee $4,340/mo $5,290/mo $6,710/mo $174,500 2
Oak Grove West Carroll $4,340/mo $5,290/mo $6,710/mo $97,600 2
Plaquemine Iberville $4,340/mo $5,290/mo $6,710/mo $177,100 2
Rayne Acadia $4,340/mo $5,290/mo $6,710/mo $146,900 2
Rayville Richland $4,340/mo $5,290/mo $6,710/mo $124,500 2
Sulphur Calcasieu $5,000/mo $6,100/mo $7,730/mo $208,500 2
Winnfield Winn $4,340/mo $5,290/mo $6,710/mo $102,600 2
Winnsboro Franklin $4,340/mo $5,290/mo $6,710/mo $117,200 2
Wisner Franklin $4,340/mo $5,290/mo $6,710/mo $117,200 2
Zachary East Baton Rouge $4,920/mo $6,000/mo $7,610/mo $241,800 2
Amite Tangipahoa $4,350/mo $5,310/mo $6,720/mo $204,600 1
Arnaudville Saint Landry $4,610/mo $5,620/mo $7,130/mo $208,681 1
Baker East Baton Rouge $4,920/mo $6,000/mo $7,610/mo $241,800 1
Basile Evangeline $4,340/mo $5,290/mo $6,710/mo $118,500 1
Belle Chasse Plaquemines $6,840/mo $8,340/mo $10,570/mo $275,800 1
Bernice Union $4,340/mo $5,290/mo $6,710/mo $115,400 1
Bogalusa Washington $4,340/mo $5,290/mo $6,710/mo $139,400 1
Breaux Bridge Saint Martin $4,610/mo $5,620/mo $7,130/mo $208,681 1
Broussard Lafayette $4,790/mo $5,840/mo $7,410/mo $234,200 1
Bunkie Avoyelles $4,340/mo $5,290/mo $6,710/mo $120,200 1
Carencro Lafayette $4,790/mo $5,840/mo $7,410/mo $234,200 1
Center Point Avoyelles $4,340/mo $5,290/mo $6,710/mo $120,200 1
Church Point Acadia $4,340/mo $5,290/mo $6,710/mo $146,900 1
Colfax Grant $4,340/mo $5,290/mo $6,710/mo $135,900 1
Columbia Caldwell $4,340/mo $5,290/mo $6,710/mo $106,000 1
Coushatta Red River $4,340/mo $5,290/mo $6,710/mo $103,200 1
Delhi Richland $4,340/mo $5,290/mo $6,710/mo $124,500 1
Dequincy Calcasieu $5,000/mo $6,100/mo $7,730/mo $208,500 1
Destrehan Saint Charles $4,610/mo $5,620/mo $7,130/mo $208,681 1
Donaldsonville Ascension $6,240/mo $7,610/mo $9,640/mo $265,300 1
Dupont Avoyelles $4,340/mo $5,290/mo $6,710/mo $120,200 1
Ferriday Concordia $4,340/mo $5,290/mo $6,710/mo $102,400 1
Franklin Saint Mary $4,610/mo $5,620/mo $7,130/mo $208,681 1
Greensburg Saint Helena $4,610/mo $5,620/mo $7,130/mo $208,681 1
Gretna Jefferson $5,100/mo $6,220/mo $7,880/mo $243,500 1
Gueydan Vermilion $4,340/mo $5,290/mo $6,710/mo $159,700 1
Haynesville Claiborne $4,340/mo $5,290/mo $6,710/mo $82,400 1

Louisiana Senior Care FAQ (2026)

The statewide average for assisted living in Louisiana is $4,650 per month ($55,800 per year), compared to the U.S. national median of $6,200 per month.
In Louisiana, a semi-private room in a CMS-certified nursing home averages $7,190 per month, while a private room averages $8,100 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Louisiana is $2,901 per month.