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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Senior Care & Assisted Living Costs in Hagerstown, MD

2026 monthly care rates for Hagerstown (Washington County), local Census affordability metrics, and 6 CMS-certified care facilities.

Assisted Living🏠
$5,200/mo
$62,400/yr
-16% vs U.S. avg
Memory Care🧠
$6,340/mo
$76,080/yr
-16% vs U.S. avg
In-Home Care🤝
$29.36/hr
$5,600/mo (44h/wk)
-16% vs U.S. avg
Nursing Home (Semi)🏥
$8,040/mo
Private: $9,060/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$5,200/mo
Memory Care$6,340/mo
Home Care$29.36/hr
Nursing Semi$8,040/mo
Nursing Priv$9,060/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $257k
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 Hagerstown, MD

40.9 hrs/wk Break-even threshold

At Hagerstown, MD's average caregiver rate of $29.36/hr, hiring in-home care equals the $5,200/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
$2,544/mo

Saves $2,656/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,598 vs. $5,200/mo

Full-time home care costs $398/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,177/mo

Assisted Living saves $4,977/mo; Memory Care averages $6,340/mo.

Hagerstown vs. Maryland & U.S. Averages

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

Hagerstown, MD$5,200/mo
Maryland State Average$7,700/mo
U.S. National Median$6,200/mo

Washington County Economic Context (U.S. Census)

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

Median Household Income $74,157/yr ($6,180/mo)
Median Home Value $275,900
Median Gross Rent $1,100/mo
Maryland Medicaid Limit (2026) $2,901/mo

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

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

Western Md Hospital Center
1500 Pennsylvania Avenue, Hagerstown, MD 21742 • 3017454200
63 Certified Beds Government - State CCN: 215110
5/5 CMS Rating
Coffman Nursing Home
1304 Pennsylvania Avenue, Hagerstown, MD 21742 • 3017332914
59 Certified Beds Non profit - Corporation CCN: 215352
3/5 CMS Rating
Hagerstown Healthcare Center
750 Dual Highway, Hagerstown, MD 21740 • 3017974020
140 Certified Beds For profit - Corporation CCN: 215336
2/5 CMS Rating
Complete Care At Hagerstown
14014 Marsh Pike, Hagerstown, MD 21742 • 3017338700
60 Certified Beds For profit - Limited Liability company CCN: 215365
2/5 CMS Rating
Julia Manor Nursing And Rehabilitation Center
333 Mill Street, Hagerstown, MD 21740 • 3016658700
130 Certified Beds For profit - Limited Liability company CCN: 215321
1/5 CMS Rating
Creekside Center For Rehabilitation And Nursing
1183 Luther Drive, Hagerstown, MD 21740 • 3017901000
80 Certified Beds For profit - Limited Liability company CCN: 215113
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Hagerstown

The estimated median cost of assisted living in Hagerstown, MD is $5,200 per month ($62,400 per year), adjusted for Washington County housing and income data.
A semi-private room in a skilled nursing facility in Hagerstown averages $8,040 per month, while a private room averages $9,060 per month.
In-home caregiver services in Hagerstown, MD average $29.36 per hour, or roughly $5,600 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

Funkstown, MD $5,200/mo Maugansville, MD $5,200/mo Saint James, MD $5,200/mo Williamsport, MD $5,200/mo Fairplay, MD $5,200/mo Chewsville, MD $5,200/mo Boonsboro, MD $5,200/mo Cavetown, MD $5,200/mo Smithsburg, MD $5,200/mo Clear Spring, MD $5,200/mo Keedysville, MD $5,200/mo Sharpsburg, MD $5,200/mo