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

2026 Senior Living & Nursing Home Costs in Missouri

Compare monthly care rates across 942 cities and 486 CMS-certified nursing facilities in Missouri.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 486 Avg. Home Value: $166,433
Assisted Living🏠
$4,810/mo
$57,720/year
-22% vs U.S. avg
Memory Care🧠
$5,870/mo
$70,440/year
-22% vs U.S. avg
Home Care (44h/wk)🤝
$5,180/mo
$27.17 per hour
-22% vs U.S. avg
Nursing Home (Semi)🏥
$7,440/mo
Private room: $8,380/mo
-22% 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$4,810/mo
Memory Care$5,870/mo
Home Care$27.17/hr
Nursing Semi$7,440/mo
Nursing Priv$8,380/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $155k
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 Missouri

40.9 hrs/wk Break-even threshold

At Missouri's average caregiver rate of $27.17/hr, hiring in-home care equals the $4,810/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
$2,355/mo

Saves $2,455/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,180 vs. $4,810/mo

Full-time home care costs $370/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,418/mo

Assisted Living saves $4,608/mo; Memory Care averages $5,870/mo.

Major Cities in Missouri

Sorted by number of Medicare-certified care facilities and local market size.

City County Assisted Living Memory Care Nursing Home (Semi) Median Home Value CMS Facilities
Saint Louis Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 36
Kansas City Clay $5,890/mo $7,190/mo $9,100/mo $256,400 23
Springfield Greene $4,340/mo $5,290/mo $6,710/mo $203,500 17
Florissant Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 9
Independence Jackson $5,130/mo $6,260/mo $7,920/mo $213,300 9
Chesterfield Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 8
Columbia Boone $4,970/mo $6,060/mo $7,670/mo $254,100 8
Jefferson City Cole $4,380/mo $5,340/mo $6,760/mo $214,400 8
Cape Girardeau Cape Girardeau $4,450/mo $5,430/mo $6,880/mo $208,300 6
Saint Charles Saint Charles $4,810/mo $5,870/mo $7,440/mo $214,479 6
Saint Joseph Buchanan $4,340/mo $5,290/mo $6,710/mo $156,600 6
Sikeston Scott $4,340/mo $5,290/mo $6,710/mo $143,700 6
Farmington Saint Francois $4,810/mo $5,870/mo $7,440/mo $214,479 5
Joplin Jasper $4,340/mo $5,290/mo $6,710/mo $158,500 5
Lees Summit Jackson $5,130/mo $6,260/mo $7,920/mo $213,300 5
Osage Beach Camden $4,340/mo $5,290/mo $6,710/mo $270,700 5
Poplar Bluff Butler $4,340/mo $5,290/mo $6,710/mo $138,800 5
Rolla Phelps $4,340/mo $5,290/mo $6,710/mo $194,900 5
Sedalia Pettis $4,340/mo $5,290/mo $6,710/mo $161,500 5
Chillicothe Livingston $4,340/mo $5,290/mo $6,710/mo $138,300 4
Maryville Nodaway $4,340/mo $5,290/mo $6,710/mo $165,100 4
Saint Peters Saint Charles $4,810/mo $5,870/mo $7,440/mo $214,479 4
Warrensburg Johnson $4,460/mo $5,440/mo $6,900/mo $221,400 4
Blue Springs Jackson $5,130/mo $6,260/mo $7,920/mo $213,300 3
Boonville Cooper $4,340/mo $5,290/mo $6,710/mo $197,100 3
Bridgeton Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 3
De Soto Jefferson $5,050/mo $6,160/mo $7,800/mo $218,800 3
Dexter Stoddard $4,340/mo $5,290/mo $6,710/mo $135,400 3
Fenton Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 3
Festus Jefferson $5,050/mo $6,160/mo $7,800/mo $218,800 3
Fulton Callaway $4,480/mo $5,470/mo $6,930/mo $196,200 3
Hannibal Marion $4,340/mo $5,290/mo $6,710/mo $158,100 3
Harrisonville Cass $5,730/mo $6,990/mo $8,850/mo $269,000 3
Liberty Clay $5,890/mo $7,190/mo $9,100/mo $256,400 3
Maryland Heights Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 3
Moberly Randolph $4,340/mo $5,290/mo $6,710/mo $141,900 3
Nevada Vernon $4,340/mo $5,290/mo $6,710/mo $136,700 3
O Fallon Saint Charles $4,810/mo $5,870/mo $7,440/mo $214,479 3
Salem Dent $4,340/mo $5,290/mo $6,710/mo $149,700 3
West Plains Howell $4,340/mo $5,290/mo $6,710/mo $161,000 3
Arnold Jefferson $5,050/mo $6,160/mo $7,800/mo $218,800 2
Ballwin Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 2
Belton Cass $5,730/mo $6,990/mo $8,850/mo $269,000 2
Bolivar Polk $4,340/mo $5,290/mo $6,710/mo $189,600 2
Brookfield Linn $4,340/mo $5,290/mo $6,710/mo $117,300 2
Buffalo Dallas $4,340/mo $5,290/mo $6,710/mo $151,200 2
Butler Bates $4,340/mo $5,290/mo $6,710/mo $154,800 2
Cameron Clinton $4,780/mo $5,830/mo $7,390/mo $204,300 2
Carrollton Carroll $4,340/mo $5,290/mo $6,710/mo $110,500 2
Carthage Jasper $4,340/mo $5,290/mo $6,710/mo $158,500 2
Cassville Barry $4,340/mo $5,290/mo $6,710/mo $172,900 2
Clinton Henry $4,340/mo $5,290/mo $6,710/mo $153,500 2
Eureka Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 2
Excelsior Springs Clay $5,890/mo $7,190/mo $9,100/mo $256,400 2
Fredericktown Madison $4,340/mo $5,290/mo $6,710/mo $155,900 2
Humansville Polk $4,340/mo $5,290/mo $6,710/mo $189,600 2
Jackson Cape Girardeau $4,450/mo $5,430/mo $6,880/mo $208,300 2
Kennett Dunklin $4,340/mo $5,290/mo $6,710/mo $93,800 2
Kirksville Adair $4,340/mo $5,290/mo $6,710/mo $159,500 2
Lebanon Laclede $4,340/mo $5,290/mo $6,710/mo $158,000 2
Macon Macon $4,340/mo $5,290/mo $6,710/mo $127,000 2
Marshall Saline $4,340/mo $5,290/mo $6,710/mo $139,600 2
Marshfield Webster $4,340/mo $5,290/mo $6,710/mo $219,100 2
Mount Vernon Lawrence $4,340/mo $5,290/mo $6,710/mo $159,800 2
Owensville Gasconade $4,340/mo $5,290/mo $6,710/mo $168,900 2
Ozark Christian $5,090/mo $6,210/mo $7,860/mo $249,700 2
Perryville Perry $4,400/mo $5,370/mo $6,800/mo $189,400 2
Plattsburg Clinton $4,780/mo $5,830/mo $7,390/mo $204,300 2
Potosi Washington $4,340/mo $5,290/mo $6,710/mo $118,400 2
Raymore Cass $5,730/mo $6,990/mo $8,850/mo $269,000 2
Sainte Genevieve Sainte Genevieve $4,810/mo $5,870/mo $7,440/mo $214,479 2
Savannah Andrew $4,780/mo $5,830/mo $7,380/mo $196,200 2
Sullivan Franklin $4,530/mo $5,530/mo $6,990/mo $214,900 2
Trenton Grundy $4,340/mo $5,290/mo $6,710/mo $107,000 2
Troy Lincoln $5,190/mo $6,330/mo $8,020/mo $224,800 2
Union Franklin $4,530/mo $5,530/mo $6,990/mo $214,900 2
Valley Park Saint Louis $4,810/mo $5,870/mo $7,440/mo $214,479 2
Adrian Bates $4,340/mo $5,290/mo $6,710/mo $154,800 1
Advance Stoddard $4,340/mo $5,290/mo $6,710/mo $135,400 1
Anderson Mcdonald $4,340/mo $5,290/mo $6,710/mo $134,100 1

Missouri Senior Care FAQ (2026)

The statewide average for assisted living in Missouri is $4,810 per month ($57,720 per year), compared to the U.S. national median of $6,200 per month.
In Missouri, a semi-private room in a CMS-certified nursing home averages $7,440 per month, while a private room averages $8,380 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Missouri is $2,901 per month.