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 New Hampshire

Compare monthly care rates across 255 cities and 73 CMS-certified nursing facilities in New Hampshire.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 73 Avg. Home Value: $331,284
Assisted Living🏠
$6,740/mo
$80,880/year
+9% vs U.S. avg
Memory Care🧠
$8,220/mo
$98,640/year
+9% vs U.S. avg
Home Care (44h/wk)🤝
$7,260/mo
$38.08 per hour
+9% vs U.S. avg
Nursing Home (Semi)🏥
$10,420/mo
Private room: $11,750/mo
+9% 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$6,740/mo
Memory Care$8,220/mo
Home Care$38.08/hr
Nursing Semi$10,420/mo
Nursing Priv$11,750/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $308k
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 New Hampshire

40.8 hrs/wk Break-even threshold

At New Hampshire's average caregiver rate of $38.08/hr, hiring in-home care equals the $6,740/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
$3,300/mo

Saves $3,440/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,260 vs. $6,740/mo

Full-time home care costs $520/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,200/mo

Assisted Living saves $6,460/mo; Memory Care averages $8,220/mo.

Major Cities in New Hampshire

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
Manchester Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 9
Concord Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 4
Dover Strafford $6,420/mo $7,830/mo $9,920/mo $332,400 4
Keene Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 4
Bedford Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 3
Laconia Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 3
Berlin Coos $4,340/mo $5,290/mo $6,710/mo $169,600 2
Derry Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 2
Exeter Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 2
Goffstown Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 2
Milford Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 2
Nashua Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 2
Portsmouth Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 2
Rochester Strafford $6,420/mo $7,830/mo $9,920/mo $332,400 2
Claremont Sullivan $5,410/mo $6,600/mo $8,370/mo $236,300 1
Epsom Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 1
Franconia Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 1
Franklin Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 1
Fremont Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 1
Glencliff Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 1
Hampton Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 1
Hanover Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 1
Hudson Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 1
Jaffrey Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 1
Lancaster Coos $4,340/mo $5,290/mo $6,710/mo $169,600 1
Lebanon Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 1
Meredith Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 1
Newport Sullivan $5,410/mo $6,600/mo $8,370/mo $236,300 1
North Conway Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 1
North Haverhill Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 1
Ossipee Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 1
Peterborough Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 1
Rye Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 1
Salem Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 1
West Stewartstown Coos $4,340/mo $5,290/mo $6,710/mo $169,600 1
Westmoreland Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 1
Whitefield Coos $4,340/mo $5,290/mo $6,710/mo $169,600 1
Winchester Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 1
Windham Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 1
Wolfeboro Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 1
Acworth Sullivan $5,410/mo $6,600/mo $8,370/mo $236,300 0
Alstead Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 0
Alton Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Alton Bay Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Amherst Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 0
Andover Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 0
Antrim Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 0
Ashland Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Ashuelot Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 0
Atkinson Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 0
Auburn Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 0
Barnstead Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Barrington Strafford $6,420/mo $7,830/mo $9,920/mo $332,400 0
Bartlett Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Bath Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Belmont Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Bennington Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 0
Bethlehem Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Bow Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 0
Bradford Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 0
Bretton Woods Coos $4,340/mo $5,290/mo $6,710/mo $169,600 0
Bristol Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Brookline Hillsborough $7,160/mo $8,740/mo $11,060/mo $385,500 0
Campton Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Canaan Grafton $6,020/mo $7,340/mo $9,300/mo $298,500 0
Candia Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 0
Canterbury Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 0
Center Barnstead Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Center Harbor Belknap $5,840/mo $7,120/mo $9,030/mo $340,000 0
Center Ossipee Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Center Sandwich Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Center Strafford Strafford $6,420/mo $7,830/mo $9,920/mo $332,400 0
Center Tuftonboro Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Charlestown Sullivan $5,410/mo $6,600/mo $8,370/mo $236,300 0
Chatham Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Chester Rockingham $7,800/mo $9,520/mo $12,050/mo $461,400 0
Chesterfield Cheshire $5,730/mo $6,990/mo $8,860/mo $257,200 0
Chichester Merrimack $6,320/mo $7,710/mo $9,760/mo $330,600 0
Chocorua Carroll $5,680/mo $6,930/mo $8,780/mo $348,900 0
Colebrook Coos $4,340/mo $5,290/mo $6,710/mo $169,600 0

New Hampshire Senior Care FAQ (2026)

The statewide average for assisted living in New Hampshire is $6,740 per month ($80,880 per year), compared to the U.S. national median of $6,200 per month.
In New Hampshire, a semi-private room in a CMS-certified nursing home averages $10,420 per month, while a private room averages $11,750 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in New Hampshire is $2,901 per month.