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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Senior Care & Assisted Living Costs in Saint Paul, MN

2026 monthly care rates for Saint Paul (Dakota County), local Census affordability metrics, and 17 CMS-certified care facilities.

Assisted Living🏠
$7,210/mo
$86,520/yr
+16% vs U.S. avg
Memory Care🧠
$8,800/mo
$105,600/yr
+16% vs U.S. avg
In-Home Care🤝
$40.69/hr
$7,760/mo (44h/wk)
+16% vs U.S. avg
Nursing Home (Semi)🏥
$11,140/mo
Private: $12,550/mo
+16% 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$7,210/mo
Memory Care$8,800/mo
Home Care$40.69/hr
Nursing Semi$11,140/mo
Nursing Priv$12,550/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $337k
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 Saint Paul, MN

40.9 hrs/wk Break-even threshold

At Saint Paul, MN's average caregiver rate of $40.69/hr, hiring in-home care equals the $7,210/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
$3,526/mo

Saves $3,684/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,758 vs. $7,210/mo

Full-time home care costs $548/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$14,105/mo

Assisted Living saves $6,895/mo; Memory Care averages $8,800/mo.

Saint Paul vs. Minnesota & U.S. Averages

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

Saint Paul, MN$7,210/mo
Minnesota State Average$6,010/mo
U.S. National Median$6,200/mo

Dakota County Economic Context (U.S. Census)

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

Median Household Income $105,212/yr ($8,768/mo)
Median Home Value $362,100
Median Gross Rent $1,497/mo
Minnesota Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Saint Paul, MN

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

Capital View Transitional Care Center
640 Jackson Street, Saint Paul, MN 55101 • 6512540400
32 Certified Beds Non profit - Corporation CCN: 245534
5/5 CMS Rating
Lyngblomsten Care Center
1415 Almond Avenue, Saint Paul, MN 55108 • 6516462941
225 Certified Beds Non profit - Corporation CCN: 245347
4/5 CMS Rating
Shirley Chapman Sholom Home East
740 Kay Avenue, Saint Paul, MN 55102 • 6513282008
118 Certified Beds Non profit - Corporation CCN: 245411
4/5 CMS Rating
Cerenity Marian Of St Paul Llc
200 Earl Street, Saint Paul, MN 55106 • 6517932100
90 Certified Beds Non profit - Corporation CCN: 245365
4/5 CMS Rating
Ebenezer Integrated Care & Rehab
45 West 10Th Street, Saint Paul, MN 55102 • 6513264900
62 Certified Beds Non profit - Corporation CCN: 245587
4/5 CMS Rating
Carondelet Village Care Center
525 Fairview Avenue South, Saint Paul, MN 55116 • 6516955000
45 Certified Beds Non profit - Church related CCN: 245617
4/5 CMS Rating
St Anthony Park Home Inc
2237 Commonwealth Avenue, Saint Paul, MN 55108 • 6516323503
84 Certified Beds For profit - Corporation CCN: 245063
3/5 CMS Rating
Little Sisters Of The Poor
330 Exchange Street South, Saint Paul, MN 55102 • 6512270336
73 Certified Beds Non profit - Corporation CCN: 245524
3/5 CMS Rating
Good Samaritan Society - Maplewood
550 Roselawn Avenue East, Saint Paul, MN 55117 • 6517749765
71 Certified Beds Non profit - Corporation CCN: 245221
3/5 CMS Rating
Episcopal Church Home The Gardens
1860 University Avenue West, Saint Paul, MN 55104 • 6516328801
60 Certified Beds Non profit - Corporation CCN: 245625
3/5 CMS Rating
The Villas At St Paul
445 Galtier Avenue, Saint Paul, MN 55103 • 6512241848
105 Certified Beds For profit - Corporation CCN: 245340
2/5 CMS Rating
Cerenity Care Center On Humboldt
512 Humboldt Avenue, Saint Paul, MN 55107 • 6512278091
93 Certified Beds Non profit - Corporation CCN: 245255
2/5 CMS Rating
Episcopal Church Home Of Minnesota
1879 Feronia Avenue, Saint Paul, MN 55104 • 6512098519
131 Certified Beds Non profit - Corporation CCN: 245452
1/5 CMS Rating
The Emeralds At St Paul Llc
420 Marshall Avenue, Saint Paul, MN 55102 • 6512242368
100 Certified Beds For profit - Corporation CCN: 245295
1/5 CMS Rating
The Estates At Lynnhurst Llc
471 Lynnhurst Avenue West, Saint Paul, MN 55104 • 6516456453
70 Certified Beds For profit - Limited Liability company CCN: 245394
1/5 CMS Rating
Hayes Residence
1620 Randolph Avenue, Saint Paul, MN 55105 • 6516904458
40 Certified Beds For profit - Corporation CCN: 24E508
1/5 CMS Rating
Highland Chateau Health And Rehabilitation Center
2319 West Seventh Street, Saint Paul, MN 55116 • 6516980793
64 Certified Beds For profit - Limited Liability company CCN: 245028
Not Yet Rated

Frequently Asked Questions About Senior Care in Saint Paul

The estimated median cost of assisted living in Saint Paul, MN is $7,210 per month ($86,520 per year), adjusted for Dakota County housing and income data.
A semi-private room in a skilled nursing facility in Saint Paul averages $11,140 per month, while a private room averages $12,550 per month.
In-home caregiver services in Saint Paul, MN average $40.69 per hour, or roughly $7,760 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Minnesota is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Minnesota Cities

South Saint Paul, MN $7,210/mo Mendota, MN $7,210/mo Inver Grove Heights, MN $7,210/mo Newport, MN $7,860/mo Saint Paul Park, MN $7,860/mo Cottage Grove, MN $7,860/mo Rosemount, MN $7,210/mo Willernie, MN $7,860/mo Minneapolis, MN $6,740/mo Lake Elmo, MN $7,860/mo Burnsville, MN $7,210/mo Farmington, MN $7,210/mo