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 Nebraska

Compare monthly care rates across 528 cities and 180 CMS-certified nursing facilities in Nebraska.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 180 Avg. Home Value: $162,630
Assisted Living🏠
$5,030/mo
$60,360/year
-19% vs U.S. avg
Memory Care🧠
$6,140/mo
$73,680/year
-19% vs U.S. avg
Home Care (44h/wk)🤝
$5,420/mo
$28.42 per hour
-19% vs U.S. avg
Nursing Home (Semi)🏥
$7,780/mo
Private room: $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$5,030/mo
Memory Care$6,140/mo
Home Care$28.42/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: $151k
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 Nebraska

40.8 hrs/wk Break-even threshold

At Nebraska's average caregiver rate of $28.42/hr, hiring in-home care equals the $5,030/mo cost of Assisted Living at exactly 40.8 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.8 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$2,463/mo

Saves $2,567/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,418 vs. $5,030/mo

Full-time home care costs $388/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,852/mo

Assisted Living saves $4,822/mo; Memory Care averages $6,140/mo.

Major Cities in Nebraska

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
Omaha Douglas $5,520/mo $6,730/mo $8,520/mo $245,800 21
Lincoln Lancaster $5,010/mo $6,110/mo $7,740/mo $258,900 13
Grand Island Hall $4,490/mo $5,480/mo $6,940/mo $207,900 6
Kearney Buffalo $4,700/mo $5,730/mo $7,270/mo $236,800 5
Fremont Dodge $4,800/mo $5,860/mo $7,420/mo $188,100 3
North Platte Lincoln $4,340/mo $5,290/mo $6,710/mo $183,100 3
Papillion Sarpy $6,520/mo $7,950/mo $10,070/mo $287,600 3
Aurora Hamilton $4,500/mo $5,490/mo $6,960/mo $238,700 2
Beatrice Gage $4,340/mo $5,290/mo $6,710/mo $167,100 2
Blair Washington $5,300/mo $6,470/mo $8,190/mo $278,300 2
Central City Merrick $4,340/mo $5,290/mo $6,710/mo $168,000 2
Columbus Platte $4,520/mo $5,510/mo $6,980/mo $207,800 2
David City Butler $4,520/mo $5,510/mo $6,990/mo $165,700 2
Elkhorn Douglas $5,520/mo $6,730/mo $8,520/mo $245,800 2
Fairbury Jefferson $4,340/mo $5,290/mo $6,710/mo $117,600 2
Falls City Richardson $4,340/mo $5,290/mo $6,710/mo $96,500 2
Holdrege Phelps $4,340/mo $5,290/mo $6,710/mo $173,300 2
Nebraska City Otoe $4,900/mo $5,980/mo $7,560/mo $185,000 2
Norfolk Madison $4,340/mo $5,290/mo $6,710/mo $196,000 2
Scottsbluff Scotts Bluff $4,340/mo $5,290/mo $6,710/mo $161,400 2
South Sioux City Dakota $5,000/mo $6,100/mo $7,720/mo $168,100 2
Wahoo Saunders $5,200/mo $6,340/mo $8,040/mo $241,100 2
Adams Gage $4,340/mo $5,290/mo $6,710/mo $167,100 1
Ainsworth Brown $4,340/mo $5,290/mo $6,710/mo $100,200 1
Albion Boone $4,340/mo $5,290/mo $6,710/mo $164,700 1
Alliance Box Butte $4,340/mo $5,290/mo $6,710/mo $161,100 1
Alma Harlan $4,340/mo $5,290/mo $6,710/mo $147,200 1
Ashland Saunders $5,200/mo $6,340/mo $8,040/mo $241,100 1
Atkinson Holt $4,340/mo $5,290/mo $6,710/mo $152,000 1
Auburn Nemaha $4,340/mo $5,290/mo $6,710/mo $125,100 1
Bassett Rock $4,340/mo $5,290/mo $6,710/mo $124,400 1
Battle Creek Madison $4,340/mo $5,290/mo $6,710/mo $196,000 1
Bayard Morrill $4,340/mo $5,290/mo $6,710/mo $112,000 1
Beaver City Furnas $4,340/mo $5,290/mo $6,710/mo $91,800 1
Beemer Cuming $4,340/mo $5,290/mo $6,710/mo $174,900 1
Bellevue Sarpy $6,520/mo $7,950/mo $10,070/mo $287,600 1
Benkelman Dundy $4,340/mo $5,290/mo $6,710/mo $118,200 1
Bertrand Phelps $4,340/mo $5,290/mo $6,710/mo $173,300 1
Bloomfield Knox $4,340/mo $5,290/mo $6,710/mo $116,900 1
Blue Hill Webster $4,340/mo $5,290/mo $6,710/mo $102,000 1
Bridgeport Morrill $4,340/mo $5,290/mo $6,710/mo $112,000 1
Broken Bow Custer $4,340/mo $5,290/mo $6,710/mo $160,500 1
Burwell Garfield $4,340/mo $5,290/mo $6,710/mo $144,900 1
Callaway Custer $4,340/mo $5,290/mo $6,710/mo $160,500 1
Chadron Dawes $4,370/mo $5,330/mo $6,760/mo $146,500 1
Clarkson Colfax $4,840/mo $5,900/mo $7,470/mo $128,800 1
Coleridge Cedar $4,340/mo $5,290/mo $6,710/mo $175,500 1
Cozad Dawson $4,340/mo $5,290/mo $6,710/mo $157,800 1
Crawford Dawes $4,370/mo $5,330/mo $6,760/mo $146,500 1
Creighton Knox $4,340/mo $5,290/mo $6,710/mo $116,900 1
Crete Saline $4,570/mo $5,580/mo $7,060/mo $180,700 1
Deshler Thayer $4,340/mo $5,290/mo $6,710/mo $106,200 1
Elwood Gosper $4,540/mo $5,540/mo $7,010/mo $202,700 1
Emerson Dakota $5,000/mo $6,100/mo $7,720/mo $168,100 1
Fairmont Fillmore $4,340/mo $5,290/mo $6,710/mo $131,200 1
Franklin Franklin $4,340/mo $5,290/mo $6,710/mo $99,100 1
Fullerton Nance $4,340/mo $5,290/mo $6,710/mo $122,800 1
Geneva Fillmore $4,340/mo $5,290/mo $6,710/mo $131,200 1
Genoa Nance $4,340/mo $5,290/mo $6,710/mo $122,800 1
Gering Scotts Bluff $4,340/mo $5,290/mo $6,710/mo $161,400 1
Gordon Sheridan $4,340/mo $5,290/mo $6,710/mo $102,900 1
Gothenburg Dawson $4,340/mo $5,290/mo $6,710/mo $157,800 1
Grant Perkins $4,340/mo $5,290/mo $6,710/mo $149,200 1
Gretna Sarpy $6,520/mo $7,950/mo $10,070/mo $287,600 1
Hartington Cedar $4,340/mo $5,290/mo $6,710/mo $175,500 1
Harvard Clay $4,340/mo $5,290/mo $6,710/mo $146,300 1
Hastings Adams $4,340/mo $5,290/mo $6,710/mo $185,800 1
Hay Springs Sheridan $4,340/mo $5,290/mo $6,710/mo $102,900 1
Hebron Thayer $4,340/mo $5,290/mo $6,710/mo $106,200 1
Hemingford Box Butte $4,340/mo $5,290/mo $6,710/mo $161,100 1
Henderson York $4,620/mo $5,640/mo $7,140/mo $175,900 1
Humboldt Richardson $4,340/mo $5,290/mo $6,710/mo $96,500 1
Imperial Chase $4,340/mo $5,290/mo $6,710/mo $178,700 1
Kenesaw Adams $4,340/mo $5,290/mo $6,710/mo $185,800 1
Kimball Kimball $4,340/mo $5,290/mo $6,710/mo $109,900 1
Louisville Cass $5,320/mo $6,490/mo $8,220/mo $247,200 1
Macy Thurston $4,340/mo $5,290/mo $6,710/mo $105,100 1
Madison Madison $4,340/mo $5,290/mo $6,710/mo $196,000 1
Milford Seward $5,060/mo $6,170/mo $7,820/mo $232,400 1
Minden Kearney $4,510/mo $5,500/mo $6,970/mo $218,300 1

Nebraska Senior Care FAQ (2026)

The statewide average for assisted living in Nebraska is $5,030 per month ($60,360 per year), compared to the U.S. national median of $6,200 per month.
In Nebraska, a semi-private room in a CMS-certified nursing home averages $7,780 per month, while a private room averages $8,770 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Nebraska is $2,901 per month.