2026 Assisted Living & Senior Care Costs in Fremont, NE

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

Market:

1. Select Care Setting & Schedule

Assisted Living$4,800/mo

Memory Care$5,860/mo

Home Care$27.12/hr

Nursing Semi$7,420/mo

Nursing Priv$8,370/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: $175k

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 Fremont, NE

40.8 hrs/wk Break-even threshold

At Fremont, NE's average caregiver rate of $27.12/hr, hiring in-home care equals the $4,800/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

$2,350/mo

Saves $2,450/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living

$5,170 vs. $4,800/mo

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

Facility Cheaper 80+ hrs/wk (Day + Night)

$9,401/mo

Assisted Living saves $4,601/mo; Memory Care averages $5,860/mo.

Fremont vs. Nebraska & U.S. Averages

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

Fremont, NE$4,800/mo

Nebraska State Average$5,030/mo

U.S. National Median$6,200/mo

Dodge County Economic Context (U.S. Census)

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

Median Household Income	$71,294/yr ($5,941/mo)
Median Home Value	$188,100
Median Gross Rent	$985/mo
Nebraska Medicaid Limit (2026)	$2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Fremont, NE

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

Dunklau Gardens

450 East 23Rd Street, Fremont, NE 68025 • 4027211610

106 Certified Beds Non profit - Corporation CCN: 285119

5/5 CMS Rating

Nye Legacy Health & Rehabilitation Center

3210 N Clarkson, Fremont, NE 68025 • 4027219300

100 Certified Beds For profit - Corporation CCN: 285278

4/5 CMS Rating

Nye Pointe Health & Rehab Ctr

2700 Laverna Street, Fremont, NE 68025 • 4027274900

43 Certified Beds For profit - Corporation CCN: 285235

4/5 CMS Rating

Frequently Asked Questions About Senior Care in Fremont

The estimated median cost of assisted living in Fremont, NE is $4,800 per month ($57,600 per year), adjusted for Dodge County housing and income data.

A semi-private room in a skilled nursing facility in Fremont averages $7,420 per month, while a private room averages $8,370 per month.

In-home caregiver services in Fremont, NE average $27.12 per hour, or roughly $5,170 per month for 44 hours of weekly care.

For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Nebraska is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Nebraska Cities

Nickerson, NE $4,800/mo Cedar Bluffs, NE $5,200/mo Ames, NE $4,800/mo Winslow, NE $4,800/mo Arlington, NE $5,300/mo Valley, NE $5,520/mo Colon, NE $5,200/mo Hooper, NE $4,800/mo Mead, NE $5,200/mo Yutan, NE $5,200/mo Waterloo, NE $5,520/mo Wahoo, NE $5,200/mo

Senior Care & Assisted Living Costs in Fremont, NE