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 › Silver Spring, MD

Senior Care & Assisted Living Costs in Silver Spring, MD

2026 monthly care rates for Silver Spring (Montgomery County), local Census affordability metrics, and 12 CMS-certified care facilities.

Assisted Living🏠
$9,350/mo
$112,200/yr
+51% vs U.S. avg
Memory Care🧠
$11,410/mo
$136,920/yr
+51% vs U.S. avg
In-Home Care🤝
$52.80/hr
$10,070/mo (44h/wk)
+51% vs U.S. avg
Nursing Home (Semi)🏥
$14,450/mo
Private: $16,290/mo
+51% 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$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 Silver Spring, MD

40.9 hrs/wk Break-even threshold

At Silver Spring, 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.

Silver Spring vs. Maryland & U.S. Averages

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

Silver Spring, 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 Silver Spring, MD

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

Bedford Court Healthcare Cent.
3701 International Drive, Silver Spring, MD 20906 • 3015982900
60 Certified Beds For profit - Limited Liability company CCN: 215246
5/5 CMS Rating
Riderwood Village
3160 Gracefield Road, Silver Spring, MD 20904 • 3015728420
44 Certified Beds For profit - Limited Liability company CCN: 215343
5/5 CMS Rating
Autumn Lake Healthcare At Arcola
901 Arcola Avenue, Silver Spring, MD 20902 • 3016492400
151 Certified Beds For profit - Corporation CCN: 215014
4/5 CMS Rating
Autumn Lake Healthcare At Oakview
2700 Barker Street, Silver Spring, MD 20910 • 3015650300
138 Certified Beds For profit - Limited Liability company CCN: 215338
4/5 CMS Rating
Woodside Rehab & Nursing
9101 Second Avenue, Silver Spring, MD 20910 • 3015885544
92 Certified Beds For profit - Limited Liability company CCN: 215060
4/5 CMS Rating
Autumn Lake Healthcare At Silver Spring
2501 Musgrove Road, Silver Spring, MD 20904 • 3018905552
148 Certified Beds For profit - Limited Liability company CCN: 215224
3/5 CMS Rating
Althea Woodland Nursing Home
1000 Daleview Drive, Silver Spring, MD 20901 • 3014342646
50 Certified Beds For profit - Limited Liability company CCN: 215228
3/5 CMS Rating
Layhill Nursing And Rehabilitation Center
3227 Bel Pre Road, Silver Spring, MD 20906 • 3018712000
129 Certified Beds For profit - Limited Liability company CCN: 215168
2/5 CMS Rating
Harmony Suites Rehabilitation And Wellness Center
13908 New Hampshire Avenue, Silver Spring, MD 20904 • 3015986000
100 Certified Beds For profit - Limited Liability company CCN: 215065
2/5 CMS Rating
Complete Care At Springbrook
12325 New Hampshire Avenue, Silver Spring, MD 20904 • 3016224600
93 Certified Beds For profit - Limited Liability company CCN: 215052
2/5 CMS Rating
Fairland Center
2101 Fairland Road, Silver Spring, MD 20904 • 3013846161
92 Certified Beds For profit - Corporation CCN: 215015
2/5 CMS Rating
Fox Chase Healthcare
2015 East-West Highway, Silver Spring, MD 20910 • 3015872400
87 Certified Beds For profit - Limited Liability company CCN: 215197
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Silver Spring

The estimated median cost of assisted living in Silver Spring, 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 Silver Spring averages $14,450 per month, while a private room averages $16,290 per month.
In-home caregiver services in Silver Spring, 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

Takoma Park, MD $9,350/mo Kensington, MD $9,350/mo College Park, MD $7,780/mo Suburb Maryland Fac, MD $9,350/mo Chevy Chase, MD $9,350/mo Mount Rainier, MD $7,780/mo Garrett Park, MD $9,350/mo Brentwood, MD $7,780/mo Hyattsville, MD $7,780/mo Bethesda, MD $9,350/mo Beltsville, MD $7,780/mo Burtonsville, MD $9,350/mo