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
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Home › New Hampshire › Epsom, NH

Senior Care & Assisted Living Costs in Epsom, NH

2026 monthly care rates for Epsom (Merrimack County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$6,320/mo
$75,840/yr
≈ U.S. average
Memory Care🧠
$7,710/mo
$92,520/yr
≈ U.S. average
In-Home Care🤝
$35.67/hr
$6,800/mo (44h/wk)
≈ U.S. average
Nursing Home (Semi)🏥
$9,760/mo
Private: $11,000/mo
≈ U.S. average

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$6,320/mo
Memory Care$7,710/mo
Home Care$35.67/hr
Nursing Semi$9,760/mo
Nursing Priv$11,000/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $307k
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 Epsom, NH

40.9 hrs/wk Break-even threshold

At Epsom, NH's average caregiver rate of $35.67/hr, hiring in-home care equals the $6,320/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
$3,091/mo

Saves $3,229/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,801 vs. $6,320/mo

Full-time home care costs $481/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,365/mo

Assisted Living saves $6,045/mo; Memory Care averages $7,710/mo.

Epsom vs. New Hampshire & U.S. Averages

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

Epsom, NH$6,320/mo
New Hampshire State Average$6,740/mo
U.S. National Median$6,200/mo

Merrimack County Economic Context (U.S. Census)

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

Median Household Income $93,944/yr ($7,829/mo)
Median Home Value $330,600
Median Gross Rent $1,293/mo
New Hampshire Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Epsom, NH

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

Epsom Healthcare Center
901 Suncook Valley Highway, Epsom, NH 03234 • 6037364772
108 Certified Beds For profit - Limited Liability company CCN: 305080
2/5 CMS Rating

Frequently Asked Questions About Senior Care in Epsom

The estimated median cost of assisted living in Epsom, NH is $6,320 per month ($75,840 per year), adjusted for Merrimack County housing and income data.
A semi-private room in a skilled nursing facility in Epsom averages $9,760 per month, while a private room averages $11,000 per month.
In-home caregiver services in Epsom, NH average $35.67 per hour, or roughly $6,800 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in New Hampshire is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby New Hampshire Cities

Chichester, NH $6,320/mo Pittsfield, NH $6,320/mo Suncook, NH $6,320/mo Deerfield, NH $7,800/mo Loudon, NH $6,320/mo Northwood, NH $7,800/mo Barnstead, NH $5,840/mo Candia, NH $7,800/mo Concord, NH $6,320/mo Center Barnstead, NH $5,840/mo Hooksett, NH $6,320/mo Strafford, NH $6,420/mo