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 Montana

Compare monthly care rates across 360 cities and 61 CMS-certified nursing facilities in Montana.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 61 Avg. Home Value: $275,346
Assisted Living🏠
$4,870/mo
$58,440/year
-21% vs U.S. avg
Memory Care🧠
$5,940/mo
$71,280/year
-21% vs U.S. avg
Home Care (44h/wk)🤝
$5,240/mo
$27.51 per hour
-21% vs U.S. avg
Nursing Home (Semi)🏥
$7,530/mo
Private room: $8,490/mo
-21% 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$4,870/mo
Memory Care$5,940/mo
Home Care$27.51/hr
Nursing Semi$7,530/mo
Nursing Priv$8,490/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $256k
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 Montana

40.9 hrs/wk Break-even threshold

At Montana's average caregiver rate of $27.51/hr, hiring in-home care equals the $4,870/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
$2,384/mo

Saves $2,486/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,245 vs. $4,870/mo

Full-time home care costs $375/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,536/mo

Assisted Living saves $4,666/mo; Memory Care averages $5,940/mo.

Major Cities in Montana

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
Billings Yellowstone $5,170/mo $6,310/mo $7,980/mo $317,600 6
Butte Silver Bow $4,340/mo $5,290/mo $6,710/mo $223,500 4
Great Falls Cascade $4,430/mo $5,400/mo $6,840/mo $243,300 4
Kalispell Flathead $5,100/mo $6,220/mo $7,880/mo $467,700 3
Missoula Missoula $5,180/mo $6,320/mo $8,010/mo $423,100 3
Glendive Dawson $4,360/mo $5,320/mo $6,730/mo $187,400 2
Helena Lewis And Clark $5,110/mo $6,230/mo $7,900/mo $358,200 2
Lewistown Fergus $4,340/mo $5,290/mo $6,710/mo $202,700 2
Anaconda Deer Lodge $4,340/mo $5,290/mo $6,710/mo $209,700 1
Bigfork Flathead $5,100/mo $6,220/mo $7,880/mo $467,700 1
Bozeman Gallatin $6,880/mo $8,390/mo $10,630/mo $604,900 1
Broadus Powder River $4,340/mo $5,290/mo $6,710/mo $149,400 1
Browning Glacier $4,340/mo $5,290/mo $6,710/mo $153,400 1
Chinook Blaine $4,340/mo $5,290/mo $6,710/mo $124,900 1
Clancy Jefferson $4,700/mo $5,730/mo $7,260/mo $408,000 1
Columbia Falls Flathead $5,100/mo $6,220/mo $7,880/mo $467,700 1
Columbus Stillwater $5,070/mo $6,190/mo $7,830/mo $355,600 1
Conrad Pondera $4,340/mo $5,290/mo $6,710/mo $179,200 1
Crow Agency Big Horn $4,340/mo $5,290/mo $6,710/mo $148,200 1
Cut Bank Glacier $4,340/mo $5,290/mo $6,710/mo $153,400 1
Deer Lodge Powell $4,340/mo $5,290/mo $6,710/mo $255,700 1
Dillon Beaverhead $4,340/mo $5,290/mo $6,710/mo $282,000 1
Ennis Madison $5,160/mo $6,300/mo $7,970/mo $440,500 1
Eureka Lincoln $4,340/mo $5,290/mo $6,710/mo $258,700 1
Forsyth Rosebud $4,340/mo $5,290/mo $6,710/mo $188,900 1
Glasgow Valley $4,340/mo $5,290/mo $6,710/mo $198,600 1
Hamilton Ravalli $4,990/mo $6,090/mo $7,710/mo $435,000 1
Havre Hill $4,340/mo $5,290/mo $6,710/mo $187,600 1
Hot Springs Sanders $4,340/mo $5,290/mo $6,710/mo $323,800 1
Laurel Yellowstone $5,170/mo $6,310/mo $7,980/mo $317,600 1
Libby Lincoln $4,340/mo $5,290/mo $6,710/mo $258,700 1
Livingston Park $4,510/mo $5,500/mo $6,960/mo $429,700 1
Miles City Custer $4,390/mo $5,360/mo $6,790/mo $204,200 1
Plains Sanders $4,340/mo $5,290/mo $6,710/mo $323,800 1
Plentywood Sheridan $4,340/mo $5,290/mo $6,710/mo $111,600 1
Polson Lake $4,340/mo $5,290/mo $6,710/mo $369,200 1
Ronan Lake $4,340/mo $5,290/mo $6,710/mo $369,200 1
Sheridan Madison $5,160/mo $6,300/mo $7,970/mo $440,500 1
Sidney Richland $4,430/mo $5,400/mo $6,850/mo $259,000 1
Stevensville Ravalli $4,990/mo $6,090/mo $7,710/mo $435,000 1
Whitefish Flathead $5,100/mo $6,220/mo $7,880/mo $467,700 1
Wibaux Wibaux $4,550/mo $5,550/mo $7,030/mo $92,300 1
Wolf Point Roosevelt $4,340/mo $5,290/mo $6,710/mo $119,400 1
Absarokee Stillwater $5,070/mo $6,190/mo $7,830/mo $355,600 0
Acton Yellowstone $5,170/mo $6,310/mo $7,980/mo $317,600 0
Alberton Mineral $4,340/mo $5,290/mo $6,710/mo $313,600 0
Alder Madison $5,160/mo $6,300/mo $7,970/mo $440,500 0
Alzada Carter $4,340/mo $5,290/mo $6,710/mo $176,600 0
Angela Rosebud $4,340/mo $5,290/mo $6,710/mo $188,900 0
Antelope Sheridan $4,340/mo $5,290/mo $6,710/mo $111,600 0
Arlee Lake $4,340/mo $5,290/mo $6,710/mo $369,200 0
Ashland Rosebud $4,340/mo $5,290/mo $6,710/mo $188,900 0
Augusta Lewis And Clark $5,110/mo $6,230/mo $7,900/mo $358,200 0
Avon Powell $4,340/mo $5,290/mo $6,710/mo $255,700 0
Babb Glacier $4,340/mo $5,290/mo $6,710/mo $153,400 0
Bainville Roosevelt $4,340/mo $5,290/mo $6,710/mo $119,400 0
Baker Fallon $4,340/mo $5,290/mo $6,710/mo $237,000 0
Ballantine Yellowstone $5,170/mo $6,310/mo $7,980/mo $317,600 0
Basin Jefferson $4,700/mo $5,730/mo $7,260/mo $408,000 0
Bearcreek Carbon $4,520/mo $5,510/mo $6,980/mo $379,300 0
Belfry Carbon $4,520/mo $5,510/mo $6,980/mo $379,300 0
Belgrade Gallatin $6,880/mo $8,390/mo $10,630/mo $604,900 0
Belt Cascade $4,430/mo $5,400/mo $6,840/mo $243,300 0
Biddle Powder River $4,340/mo $5,290/mo $6,710/mo $149,400 0
Big Arm Lake $4,340/mo $5,290/mo $6,710/mo $369,200 0
Big Sandy Chouteau $4,340/mo $5,290/mo $6,710/mo $185,100 0
Big Sky Gallatin $6,880/mo $8,390/mo $10,630/mo $604,900 0
Big Timber Sweet Grass $4,990/mo $6,090/mo $7,700/mo $295,500 0
Bighorn Treasure $4,880/mo $5,950/mo $7,540/mo $215,300 0
Birney Rosebud $4,340/mo $5,290/mo $6,710/mo $188,900 0
Black Eagle Cascade $4,430/mo $5,400/mo $6,840/mo $243,300 0
Bloomfield Dawson $4,360/mo $5,320/mo $6,730/mo $187,400 0
Bonner Missoula $5,180/mo $6,320/mo $8,010/mo $423,100 0
Boulder Jefferson $4,700/mo $5,730/mo $7,260/mo $408,000 0
Box Elder Hill $4,340/mo $5,290/mo $6,710/mo $187,600 0
Boyd Carbon $4,520/mo $5,510/mo $6,980/mo $379,300 0
Boyes Carter $4,340/mo $5,290/mo $6,710/mo $176,600 0
Brady Pondera $4,340/mo $5,290/mo $6,710/mo $179,200 0
Bridger Carbon $4,520/mo $5,510/mo $6,980/mo $379,300 0
Broadview Yellowstone $5,170/mo $6,310/mo $7,980/mo $317,600 0

Montana Senior Care FAQ (2026)

The statewide average for assisted living in Montana is $4,870 per month ($58,440 per year), compared to the U.S. national median of $6,200 per month.
In Montana, a semi-private room in a CMS-certified nursing home averages $7,530 per month, while a private room averages $8,490 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Montana is $2,901 per month.