2026 monthly care rates for Boston (Suffolk County), local Census affordability metrics, and 11 CMS-certified care facilities.
Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.
At Boston, MA's average caregiver rate of $47.28/hr, hiring in-home care equals the $8,370/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).
Saves $4,273/mo vs. Assisted Living (excludes home mortgage/utilities).
Full-time home care costs $644/mo more than Assisted Living (where meals & utilities are included).
Assisted Living saves $8,019/mo; Memory Care averages $10,210/mo.
Monthly Assisted Living cost comparison adjusted for Suffolk County economic indicators.
Official ACS 5-Year benchmarks used to model local care affordability (see methodology).
| Median Household Income | $92,859/yr ($7,738/mo) |
| Median Home Value | $680,700 |
| Median Gross Rent | $2,069/mo |
| Massachusetts Medicaid Limit (2026) | $2,901/mo |
Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.