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 › Maryland › Baltimore, MD

Senior Care & Assisted Living Costs in Baltimore, MD

2026 monthly care rates for Baltimore (Anne Arundel County), local Census affordability metrics, and 39 CMS-certified care facilities.

Assisted Living🏠
$8,990/mo
$107,880/yr
+45% vs U.S. avg
Memory Care🧠
$10,970/mo
$131,640/yr
+45% vs U.S. avg
In-Home Care🤝
$50.76/hr
$9,680/mo (44h/wk)
+45% vs U.S. avg
Nursing Home (Semi)🏥
$13,890/mo
Private: $15,660/mo
+45% 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$8,990/mo
Memory Care$10,970/mo
Home Care$50.76/hr
Nursing Semi$13,890/mo
Nursing Priv$15,660/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $419k
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 Baltimore, MD

40.9 hrs/wk Break-even threshold

At Baltimore, MD's average caregiver rate of $50.76/hr, hiring in-home care equals the $8,990/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
$4,399/mo

Saves $4,591/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$9,677 vs. $8,990/mo

Full-time home care costs $687/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$17,595/mo

Assisted Living saves $8,605/mo; Memory Care averages $10,970/mo.

Baltimore vs. Maryland & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Anne Arundel County economic indicators.

Baltimore, MD$8,990/mo
Maryland State Average$7,700/mo
U.S. National Median$6,200/mo

Anne Arundel County Economic Context (U.S. Census)

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

Median Household Income $120,324/yr ($10,027/mo)
Median Home Value $450,300
Median Gross Rent $1,990/mo
Maryland Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Baltimore, MD

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

Lochearn Nursing Home, Llc
4800 Seton Drive, Baltimore, MD 21215 • 4103583410
200 Certified Beds For profit - Corporation CCN: 215207
5/5 CMS Rating
Future Care Northpoint
1046 Old North Point Road, Baltimore, MD 21224 • 4102820100
180 Certified Beds For profit - Limited Liability company CCN: 215147
5/5 CMS Rating
Future Care Canton Harbor
1300 South Ellwood Avenue, Baltimore, MD 21224 • 4103426644
160 Certified Beds For profit - Corporation CCN: 215176
5/5 CMS Rating
Future Care Sandtown-Winchester
1000 North Gilmore Street, Baltimore, MD 21217 • 4106692750
148 Certified Beds For profit - Corporation CCN: 215271
5/5 CMS Rating
Autumn Lake Healthcare At Parkville
8710 Emge Road, Baltimore, MD 21234 • 4106615955
135 Certified Beds For profit - Corporation CCN: 215129
5/5 CMS Rating
Northwest Healthcare Center
4601 Pall Mall Road, Baltimore, MD 21215 • 4106645551
91 Certified Beds For profit - Corporation CCN: 215346
5/5 CMS Rating
North Oaks Communities
725 Mount Wilson Lane, Baltimore, MD 21208 • 4106020302
37 Certified Beds For profit - Individual CCN: 215229
5/5 CMS Rating
Transitional Care Services At Mercy Medical Center
301 Saint Paul Place, Baltimore, MD 21202 • 4103329287
35 Certified Beds Non profit - Corporation CCN: 215283
5/5 CMS Rating
Roland Park Place
830 West 40 Street, Baltimore, MD 21211 • 4102435800
16 Certified Beds Non profit - Corporation CCN: 215154
5/5 CMS Rating
Future Care Irvington
22 South Athol Avenue, Baltimore, MD 21229 • 4109473052
200 Certified Beds For profit - Limited Liability company CCN: 215219
4/5 CMS Rating
Keswick Multi-Care Center
700 West 40Th Street, Baltimore, MD 21211 • 4102358860
170 Certified Beds Non profit - Corporation CCN: 215037
4/5 CMS Rating
St. Elizabeth Rehabilitation & Nursing Center
3320 Benson Avenue, Baltimore, MD 21227 • 6676002600
162 Certified Beds For profit - Limited Liability company CCN: 215044
4/5 CMS Rating
Good Samaritan Nursing Home Operator, Llc
1601 East Belvedere Avenue, Baltimore, MD 21239 • 4105325600
146 Certified Beds For profit - Limited Liability company CCN: 215241
4/5 CMS Rating
Future Care Homewood
2700 North Charles Street, Baltimore, MD 21218 • 4105546300
141 Certified Beds For profit - Individual CCN: 215249
4/5 CMS Rating
Franklin Woods Center
9200 Franklin Square Drive, Baltimore, MD 21237 • 4103912600
117 Certified Beds For profit - Corporation CCN: 215261
4/5 CMS Rating
Future Care Charles Village
2327 North Charles Street, Baltimore, MD 21218 • 4108898500
109 Certified Beds For profit - Limited Liability company CCN: 215324
4/5 CMS Rating
Maryland Baptist Aged Home
2801 Rayner Avenue, Baltimore, MD 21216 • 4109457650
29 Certified Beds Non profit - Church related CCN: 215360
4/5 CMS Rating
Little Sisters Of The Poor
601 Maiden Choice Lane, Baltimore, MD 21228 • 4107449367
20 Certified Beds Non profit - Church related CCN: 215354
4/5 CMS Rating
Autumn Lake Healthcare Post-Acute Care Center
5009 Frankford Avenue, Baltimore, MD 21206 • 4103254000
225 Certified Beds For profit - Limited Liability company CCN: 215330
3/5 CMS Rating
Future Care Cold Spring
4700 Harford Road, Baltimore, MD 21214 • 4102543300
137 Certified Beds For profit - Corporation CCN: 215253
3/5 CMS Rating
Blue Point Healthcare Center
2525 West Belvedere Avenue, Baltimore, MD 21215 • 4103679100
135 Certified Beds For profit - Corporation CCN: 215340
3/5 CMS Rating
Autumn Lake Healthcare At Perring Parkway
1801 Wentworth Road, Baltimore, MD 21234 • 4106615717
125 Certified Beds For profit - Limited Liability company CCN: 215081
3/5 CMS Rating
Levindale Hebrew Ger Ctr & Hsp
2434 West Belvedere Avenue, Baltimore, MD 21215 • 4104668700
210 Certified Beds Non profit - Corporation CCN: 215033
2/5 CMS Rating
Rossville Rehabilitation And Healthcare Center
6600 Ridge Road, Baltimore, MD 21237 • 4105744950
172 Certified Beds For profit - Partnership CCN: 215109
2/5 CMS Rating
Autumn Lake Healthcare At Overlea
6116 Belair Road, Baltimore, MD 21206 • 4104261424
160 Certified Beds For profit - Corporation CCN: 215209
2/5 CMS Rating
Carroll Park Healthcare
3330 Wilkens Avenue, Baltimore, MD 21229 • 4105251544
140 Certified Beds For profit - Limited Liability company CCN: 215085
2/5 CMS Rating
Westgate Hills Rehab & Healthcare Ctr
10 North Rock Glen Road, Baltimore, MD 21229 • 4106462100
120 Certified Beds For profit - Limited Liability company CCN: 215299
2/5 CMS Rating
Roland Park Rehabilitation And Healthcare Center
4669 Falls Road, Baltimore, MD 21209 • 4106628606
120 Certified Beds For profit - Limited Liability company CCN: 215301
2/5 CMS Rating
Autumn Lake Healthcare At Loch Raven
8720 Emge Road, Baltimore, MD 21234 • 4106681961
113 Certified Beds For profit - Limited Liability company CCN: 215090
2/5 CMS Rating
Autumn Lake Healthcare At Bridgepark
4017 Liberty Heights Avenue, Baltimore, MD 21207 • 4105425306
106 Certified Beds For profit - Corporation CCN: 215195
2/5 CMS Rating
Autumn Lake Healthcare At Alice Manor
2095 Rockrose Avenue, Baltimore, MD 21211 • 4108899700
105 Certified Beds For profit - Limited Liability company CCN: 215215
2/5 CMS Rating
King David Nursing And Rehabilitation Center
4204 Old Milford Mill Road, Baltimore, MD 21208 • 4104861500
100 Certified Beds For profit - Limited Liability company CCN: 215022
2/5 CMS Rating
Autumn Lake Healthcare At Arlington West
3939 Penhurst Avenue, Baltimore, MD 21215 • 4106649535
82 Certified Beds For profit - Limited Liability company CCN: 215349
2/5 CMS Rating
Fayette Health And Rehabilitation Center
1217 West Fayette Street, Baltimore, MD 21223 • 4107273947
156 Certified Beds For profit - Corporation CCN: 215183
1/5 CMS Rating
Courtland, Llc
7920 Scotts Level Road, Baltimore, MD 21208 • 4105213600
151 Certified Beds For profit - Corporation CCN: 215128
1/5 CMS Rating
Autumn Lake Healthcare At Long Green
115 East Melrose Avenue, Baltimore, MD 21212 • 4104359073
135 Certified Beds For profit - Limited Liability company CCN: 215031
1/5 CMS Rating
Resorts Of Augsburg
6811 Campfield Road, Baltimore, MD 21207 • 4104864573
131 Certified Beds For profit - Corporation CCN: 215193
1/5 CMS Rating
Autumn Lake Healthcare At Homewood
6000 Bellona Avenue, Baltimore, MD 21212 • 4103234223
112 Certified Beds For profit - Individual CCN: 215074
1/5 CMS Rating
The Nursing And Rehab Center At Stadium Place
1010 East 33Rd Street, Baltimore, MD 21218 • 4105549890
49 Certified Beds For profit - Corporation CCN: 215356
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Baltimore

The estimated median cost of assisted living in Baltimore, MD is $8,990 per month ($107,880 per year), adjusted for Anne Arundel County housing and income data.
A semi-private room in a skilled nursing facility in Baltimore averages $13,890 per month, while a private room averages $15,660 per month.
In-home caregiver services in Baltimore, MD average $50.76 per hour, or roughly $9,680 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Maryland is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Maryland Cities

Linthicum Heights, MD $8,990/mo Harmans, MD $8,990/mo Glen Burnie, MD $8,990/mo Severn, MD $8,990/mo Brooklyn, MD $5,270/mo Millersville, MD $8,990/mo Hanover, MD $8,990/mo Halethorpe, MD $5,270/mo Elkridge, MD $9,930/mo Curtis Bay, MD $8,990/mo Odenton, MD $8,990/mo Fort George G Meade, MD $8,990/mo