2026 Assisted Living & Senior Care Costs in Edgartown, MA

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$6,780/mo

Memory Care$8,270/mo

Home Care$38.28/hr

Nursing Semi$10,480/mo

Nursing Priv$11,810/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: $1027k

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 Edgartown, MA

40.9 hrs/wk Break-even threshold

At Edgartown, MA's average caregiver rate of $38.28/hr, hiring in-home care equals the $6,780/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

$3,317/mo

Saves $3,463/mo vs. Assisted Living (excludes home mortgage/utilities).

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

$7,298 vs. $6,780/mo

Full-time home care costs $518/mo more than Assisted Living (where meals & utilities are included).

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

$13,269/mo

Assisted Living saves $6,489/mo; Memory Care averages $8,270/mo.

Edgartown vs. Massachusetts & U.S. Averages

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

Edgartown, MA$6,780/mo

Massachusetts State Average$7,750/mo

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

Dukes County Economic Context (U.S. Census)

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

Median Household Income	$102,348/yr ($8,529/mo)
Median Home Value	$1,104,100
Median Gross Rent	$1,371/mo
Massachusetts Medicaid Limit (2026)	$2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Edgartown, MA

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

Navigator Homes Of Martha'S Vineyard

Navigator Way Building #1-5, Edgartown, MA 02539 • 7742120163

106 Certified Beds Non profit - Corporation CCN: 225630

3/5 CMS Rating

Frequently Asked Questions About Senior Care in Edgartown

The estimated median cost of assisted living in Edgartown, MA is $6,780 per month ($81,360 per year), adjusted for Dukes County housing and income data.

A semi-private room in a skilled nursing facility in Edgartown averages $10,480 per month, while a private room averages $11,810 per month.

In-home caregiver services in Edgartown, MA average $38.28 per hour, or roughly $7,300 per month for 44 hours of weekly care.

For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Massachusetts is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Massachusetts Cities

Oak Bluffs, MA $6,780/mo Vineyard Haven, MA $6,780/mo West Chop, MA $6,780/mo West Tisbury, MA $6,780/mo Woods Hole, MA $7,150/mo Falmouth, MA $7,150/mo East Falmouth, MA $7,150/mo Chilmark, MA $6,780/mo Menemsha, MA $6,780/mo Mashpee, MA $7,150/mo West Falmouth, MA $7,150/mo North Falmouth, MA $7,150/mo

Senior Care & Assisted Living Costs in Edgartown, MA