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
🔍
Home › Massachusetts › Melrose, MA

Senior Care & Assisted Living Costs in Melrose, MA

2026 monthly care rates for Melrose (Middlesex County), local Census affordability metrics, and 2 CMS-certified care facilities.

Assisted Living🏠
$9,550/mo
$114,600/yr
+54% vs U.S. avg
Memory Care🧠
$11,650/mo
$139,800/yr
+54% vs U.S. avg
In-Home Care🤝
$53.92/hr
$10,280/mo (44h/wk)
+54% vs U.S. avg
Nursing Home (Semi)🏥
$14,760/mo
Private: $16,640/mo
+54% 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$9,550/mo
Memory Care$11,650/mo
Home Care$53.92/hr
Nursing Semi$14,760/mo
Nursing Priv$16,640/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $639k
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 Melrose, MA

40.9 hrs/wk Break-even threshold

At Melrose, MA's average caregiver rate of $53.92/hr, hiring in-home care equals the $9,550/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
$4,673/mo

Saves $4,877/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$10,280 vs. $9,550/mo

Full-time home care costs $730/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$18,691/mo

Assisted Living saves $9,141/mo; Memory Care averages $11,650/mo.

Melrose vs. Massachusetts & U.S. Averages

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

Melrose, MA$9,550/mo
Massachusetts State Average$7,750/mo
U.S. National Median$6,200/mo

Middlesex County Economic Context (U.S. Census)

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

Median Household Income $126,779/yr ($10,565/mo)
Median Home Value $687,200
Median Gross Rent $2,126/mo
Massachusetts Medicaid Limit (2026) $2,901/mo

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

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

Elmhurst Healthcare (The)
743 Main Street, Melrose, MA 02176 • 7816627500
45 Certified Beds For profit - Corporation CCN: 225659
5/5 CMS Rating
Melrose Healthcare
40 Martin Street, Melrose, MA 02176 • 7816657050
106 Certified Beds For profit - Limited Liability company CCN: 225329
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Melrose

The estimated median cost of assisted living in Melrose, MA is $9,550 per month ($114,600 per year), adjusted for Middlesex County housing and income data.
A semi-private room in a skilled nursing facility in Melrose averages $14,760 per month, while a private room averages $16,640 per month.
In-home caregiver services in Melrose, MA average $53.92 per hour, or roughly $10,280 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

Malden, MA $9,550/mo Stoneham, MA $9,550/mo Wakefield, MA $9,550/mo Everett, MA $9,550/mo Saugus, MA $7,510/mo Medford, MA $9,550/mo Chelsea, MA $8,370/mo Revere, MA $8,370/mo West Medford, MA $9,550/mo Lynnfield, MA $7,510/mo Charlestown, MA $8,370/mo Winchester, MA $9,550/mo