2026 Assisted Living & Senior Care Costs in Chevy Chase, MD

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

Market:

1. Select Care Setting & Schedule

Assisted Living$9,350/mo

Memory Care$11,410/mo

Home Care$52.80/hr

Nursing Semi$14,450/mo

Nursing Priv$16,290/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: $572k

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 Chevy Chase, MD

40.9 hrs/wk Break-even threshold

At Chevy Chase, MD's average caregiver rate of $52.80/hr, hiring in-home care equals the $9,350/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

$4,576/mo

Saves $4,774/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living

$10,066 vs. $9,350/mo

Full-time home care costs $716/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)

$18,303/mo

Assisted Living saves $8,953/mo; Memory Care averages $11,410/mo.

Chevy Chase vs. Maryland & U.S. Averages

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

Chevy Chase, MD$9,350/mo

Maryland State Average$7,700/mo

U.S. National Median$6,200/mo

Montgomery County Economic Context (U.S. Census)

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

Median Household Income	$128,733/yr ($10,728/mo)
Median Home Value	$615,200
Median Gross Rent	$2,030/mo
Maryland Medicaid Limit (2026)	$2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Chevy Chase, MD

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

Autumn Lake Healthcare At Chevy Chase

8700 Jones Mill Road, Chevy Chase, MD 20815 • 3016578686

172 Certified Beds For profit - Corporation CCN: 215029

3/5 CMS Rating

Frequently Asked Questions About Senior Care in Chevy Chase

The estimated median cost of assisted living in Chevy Chase, MD is $9,350 per month ($112,200 per year), adjusted for Montgomery County housing and income data.

A semi-private room in a skilled nursing facility in Chevy Chase averages $14,450 per month, while a private room averages $16,290 per month.

In-home caregiver services in Chevy Chase, MD average $52.80 per hour, or roughly $10,070 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

Bethesda, MD $9,350/mo Kensington, MD $9,350/mo Garrett Park, MD $9,350/mo Glen Echo, MD $9,350/mo Cabin John, MD $9,350/mo Takoma Park, MD $9,350/mo Silver Spring, MD $9,350/mo Suburb Maryland Fac, MD $9,350/mo Mount Rainier, MD $7,780/mo Potomac, MD $9,350/mo Rockville, MD $9,350/mo Brentwood, MD $7,780/mo

Senior Care & Assisted Living Costs in Chevy Chase, MD