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 Maine

Compare monthly care rates across 461 cities and 78 CMS-certified nursing facilities in Maine.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 78 Avg. Home Value: $240,667
Assisted Living🏠
$5,190/mo
$62,280/year
-16% vs U.S. avg
Memory Care🧠
$6,330/mo
$75,960/year
-16% vs U.S. avg
Home Care (44h/wk)🤝
$5,580/mo
$29.29 per hour
-16% vs U.S. avg
Nursing Home (Semi)🏥
$8,020/mo
Private room: $9,040/mo
-16% 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$5,190/mo
Memory Care$6,330/mo
Home Care$29.29/hr
Nursing Semi$8,020/mo
Nursing Priv$9,040/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $224k
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 Maine

40.9 hrs/wk Break-even threshold

At Maine's average caregiver rate of $29.29/hr, hiring in-home care equals the $5,190/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
$2,538/mo

Saves $2,652/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,584 vs. $5,190/mo

Full-time home care costs $394/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,153/mo

Assisted Living saves $4,963/mo; Memory Care averages $6,330/mo.

Major Cities in Maine

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
Bangor Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 6
Augusta Kennebec $4,530/mo $5,530/mo $7,000/mo $219,900 4
Lewiston Androscoggin $4,630/mo $5,650/mo $7,160/mo $232,000 4
Portland Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 4
Farmington Franklin $4,340/mo $5,290/mo $6,710/mo $176,700 3
Scarborough Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 3
Waterville Kennebec $4,530/mo $5,530/mo $7,000/mo $219,900 3
Auburn Androscoggin $4,630/mo $5,650/mo $7,160/mo $232,000 2
Biddeford York $5,840/mo $7,120/mo $9,020/mo $357,200 2
Brunswick Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 2
Caribou Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 2
Kennebunk York $5,840/mo $7,120/mo $9,020/mo $357,200 2
Sanford York $5,840/mo $7,120/mo $9,020/mo $357,200 2
Skowhegan Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 2
South Paris Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 2
Yarmouth Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 2
Bath Sagadahoc $5,310/mo $6,480/mo $8,200/mo $300,200 1
Belfast Waldo $4,680/mo $5,710/mo $7,230/mo $239,100 1
Boothbay Harbor Lincoln $4,880/mo $5,950/mo $7,530/mo $306,200 1
Brewer Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 1
Camden Knox $5,080/mo $6,200/mo $7,840/mo $290,800 1
Canton Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 1
Damariscotta Lincoln $4,880/mo $5,950/mo $7,530/mo $306,200 1
Dexter Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 1
Dover Foxcroft Piscataquis $4,340/mo $5,290/mo $6,710/mo $153,300 1
Eastport Washington $4,340/mo $5,290/mo $6,710/mo $147,100 1
Falmouth Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 1
Fort Kent Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 1
Freeport Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 1
Gorham Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 1
Hartland Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 1
Houlton Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 1
Howland Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 1
Kittery York $5,840/mo $7,120/mo $9,020/mo $357,200 1
Machias Washington $4,340/mo $5,290/mo $6,710/mo $147,100 1
Madawaska Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 1
Madison Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 1
Millinocket Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 1
North Berwick York $5,840/mo $7,120/mo $9,020/mo $357,200 1
Norway Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 1
Orono Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 1
Presque Isle Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 1
Rockland Knox $5,080/mo $6,200/mo $7,840/mo $290,800 1
Rumford Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 1
Saco York $5,840/mo $7,120/mo $9,020/mo $357,200 1
Van Buren Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 1
Westbrook Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 1
Windham Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 1
Abbot Piscataquis $4,340/mo $5,290/mo $6,710/mo $153,300 0
Acton York $5,840/mo $7,120/mo $9,020/mo $357,200 0
Addison Washington $4,340/mo $5,290/mo $6,710/mo $147,100 0
Albion Kennebec $4,530/mo $5,530/mo $7,000/mo $219,900 0
Alfred York $5,840/mo $7,120/mo $9,020/mo $357,200 0
Alna Lincoln $4,880/mo $5,950/mo $7,530/mo $306,200 0
Andover Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 0
Anson Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 0
Ashland Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 0
Athens Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 0
Aurora Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Bailey Island Cumberland $6,820/mo $8,320/mo $10,550/mo $411,400 0
Baileyville Washington $4,340/mo $5,290/mo $6,710/mo $147,100 0
Bar Harbor Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Bar Mills York $5,840/mo $7,120/mo $9,020/mo $357,200 0
Bass Harbor Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Beals Washington $4,340/mo $5,290/mo $6,710/mo $147,100 0
Belgrade Kennebec $4,530/mo $5,530/mo $7,000/mo $219,900 0
Belgrade Lakes Kennebec $4,530/mo $5,530/mo $7,000/mo $219,900 0
Benedicta Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 0
Bernard Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Berwick York $5,840/mo $7,120/mo $9,020/mo $357,200 0
Bethel Oxford $4,340/mo $5,290/mo $6,710/mo $192,300 0
Biddeford Pool York $5,840/mo $7,120/mo $9,020/mo $357,200 0
Bingham Somerset $4,340/mo $5,290/mo $6,710/mo $155,200 0
Birch Harbor Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Blaine Aroostook $4,340/mo $5,290/mo $6,710/mo $131,700 0
Blue Hill Hancock $4,790/mo $5,840/mo $7,410/mo $278,400 0
Boothbay Lincoln $4,880/mo $5,950/mo $7,530/mo $306,200 0
Bowdoin Sagadahoc $5,310/mo $6,480/mo $8,200/mo $300,200 0
Bowdoinham Sagadahoc $5,310/mo $6,480/mo $8,200/mo $300,200 0
Bradford Penobscot $4,590/mo $5,600/mo $7,100/mo $193,800 0

Maine Senior Care FAQ (2026)

The statewide average for assisted living in Maine is $5,190 per month ($62,280 per year), compared to the U.S. national median of $6,200 per month.
In Maine, a semi-private room in a CMS-certified nursing home averages $8,020 per month, while a private room averages $9,040 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Maine is $2,901 per month.