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 Ulen, MN

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

Assisted Living🏠
$5,040/mo
$60,480/yr
-19% vs U.S. avg
Memory Care🧠
$6,150/mo
$73,800/yr
-19% vs U.S. avg
In-Home Care🤝
$28.44/hr
$5,420/mo (44h/wk)
-19% vs U.S. avg
Nursing Home (Semi)🏥
$7,780/mo
Private: $8,770/mo
-19% 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$5,040/mo
Memory Care$6,150/mo
Home Care$28.44/hr
Nursing Semi$7,780/mo
Nursing Priv$8,770/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $238k
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 Ulen, MN

40.9 hrs/wk Break-even threshold

At Ulen, MN's average caregiver rate of $28.44/hr, hiring in-home care equals the $5,040/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
$2,465/mo

Saves $2,575/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,422 vs. $5,040/mo

Full-time home care costs $382/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,858/mo

Assisted Living saves $4,818/mo; Memory Care averages $6,150/mo.

Ulen vs. Minnesota & U.S. Averages

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

Ulen, MN$5,040/mo
Minnesota State Average$6,010/mo
U.S. National Median$6,200/mo

Clay County Economic Context (U.S. Census)

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

Median Household Income $77,664/yr ($6,472/mo)
Median Home Value $256,000
Median Gross Rent $1,000/mo
Minnesota Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Ulen, MN

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

Viking Manor Nursing Home
317 First Street Northwest, Ulen, MN 56585 • 2185968847
45 Certified Beds Government - City CCN: 245559
4/5 CMS Rating

Frequently Asked Questions About Senior Care in Ulen

The estimated median cost of assisted living in Ulen, MN is $5,040 per month ($60,480 per year), adjusted for Clay County housing and income data.
A semi-private room in a skilled nursing facility in Ulen averages $7,780 per month, while a private room averages $8,770 per month.
In-home caregiver services in Ulen, MN average $28.44 per hour, or roughly $5,420 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

Hitterdal, MN $5,040/mo Twin Valley, MN $4,340/mo Flom, MN $4,340/mo Hawley, MN $5,040/mo Felton, MN $5,040/mo Gary, MN $4,340/mo Borup, MN $4,340/mo Ada, MN $4,340/mo Glyndon, MN $5,040/mo Lake Park, MN $4,570/mo Callaway, MN $4,570/mo Audubon, MN $4,570/mo