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

Senior Care & Assisted Living Costs in Clawson, MI

2026 monthly care rates for Clawson (Oakland County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$6,430/mo
$77,160/yr
+4% vs U.S. avg
Memory Care🧠
$7,840/mo
$94,080/yr
+4% vs U.S. avg
In-Home Care🤝
$36.29/hr
$6,920/mo (44h/wk)
+4% vs U.S. avg
Nursing Home (Semi)🏥
$9,930/mo
Private: $11,200/mo
+4% 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$6,430/mo
Memory Care$7,840/mo
Home Care$36.29/hr
Nursing Semi$9,930/mo
Nursing Priv$11,200/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $298k
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 Clawson, MI

40.9 hrs/wk Break-even threshold

At Clawson, MI's average caregiver rate of $36.29/hr, hiring in-home care equals the $6,430/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
$3,145/mo

Saves $3,285/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,919 vs. $6,430/mo

Full-time home care costs $489/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,580/mo

Assisted Living saves $6,150/mo; Memory Care averages $7,840/mo.

Clawson vs. Michigan & U.S. Averages

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

Clawson, MI$6,430/mo
Michigan State Average$5,070/mo
U.S. National Median$6,200/mo

Oakland County Economic Context (U.S. Census)

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

Median Household Income $95,296/yr ($7,941/mo)
Median Home Value $320,400
Median Gross Rent $1,319/mo
Michigan Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Clawson, MI

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

Harmony Village Of Clawson
535 N Main, Clawson, MI 48017 • 2484355200
120 Certified Beds For profit - Corporation CCN: 235214
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Clawson

The estimated median cost of assisted living in Clawson, MI is $6,430 per month ($77,160 per year), adjusted for Oakland County housing and income data.
A semi-private room in a skilled nursing facility in Clawson averages $9,930 per month, while a private room averages $11,200 per month.
In-home caregiver services in Clawson, MI average $36.29 per hour, or roughly $6,920 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Michigan is $2,901 per individual applicant.

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