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 York

Compare monthly care rates across 1,612 cities and 592 CMS-certified nursing facilities in New York.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 592 Avg. Home Value: $291,016
Assisted Living🏠
$7,080/mo
$84,960/year
+14% vs U.S. avg
Memory Care🧠
$8,640/mo
$103,680/year
+14% vs U.S. avg
Home Care (44h/wk)🤝
$7,620/mo
$39.95 per hour
+14% vs U.S. avg
Nursing Home (Semi)🏥
$10,940/mo
Private room: $12,320/mo
+14% 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$7,080/mo
Memory Care$8,640/mo
Home Care$39.95/hr
Nursing Semi$10,940/mo
Nursing Priv$12,320/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $271k
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 York

40.9 hrs/wk Break-even threshold

At New York's average caregiver rate of $39.95/hr, hiring in-home care equals the $7,080/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
$3,462/mo

Saves $3,618/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,617 vs. $7,080/mo

Full-time home care costs $537/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,848/mo

Assisted Living saves $6,768/mo; Memory Care averages $8,640/mo.

Major Cities in New York

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
Bronx Bronx $5,350/mo $6,530/mo $8,260/mo $517,000 41
Brooklyn Kings $7,180/mo $8,760/mo $11,090/mo $889,700 40
Rochester Monroe $5,280/mo $6,440/mo $8,160/mo $197,100 23
New York New York $8,900/mo $10,860/mo $13,750/mo $1,108,900 14
Far Rockaway Queens $7,720/mo $9,420/mo $11,930/mo $699,200 12
Flushing Queens $7,720/mo $9,420/mo $11,930/mo $699,200 11
Staten Island Richmond $7,520/mo $9,170/mo $11,610/mo $658,500 10
Buffalo Erie $4,940/mo $6,030/mo $7,640/mo $217,400 8
Syracuse Onondaga $5,130/mo $6,260/mo $7,930/mo $185,300 7
Jamaica Queens $7,720/mo $9,420/mo $11,930/mo $699,200 6
New Rochelle Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 6
Utica Oneida $4,550/mo $5,550/mo $7,030/mo $171,100 6
Albany Albany $5,880/mo $7,170/mo $9,090/mo $277,400 5
Rome Oneida $4,550/mo $5,550/mo $7,030/mo $171,100 5
Troy Albany $5,880/mo $7,170/mo $9,090/mo $277,400 5
Yonkers Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 5
Ithaca Tompkins $5,900/mo $7,200/mo $9,120/mo $271,500 4
Long Beach Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 4
Oswego Oswego $4,610/mo $5,620/mo $7,120/mo $139,600 4
Plattsburgh Clinton $4,660/mo $5,690/mo $7,210/mo $175,100 4
Amsterdam Montgomery $4,380/mo $5,340/mo $6,770/mo $141,600 3
Arverne Queens $7,720/mo $9,420/mo $11,930/mo $699,200 3
Auburn Cayuga $4,420/mo $5,390/mo $6,830/mo $164,200 3
Batavia Genesee $4,620/mo $5,640/mo $7,140/mo $157,800 3
Binghamton Broome $4,340/mo $5,290/mo $6,710/mo $145,100 3
Canandaigua Ontario $5,440/mo $6,640/mo $8,410/mo $202,900 3
Cortland Cortland $4,490/mo $5,480/mo $6,940/mo $158,100 3
Fairport Monroe $5,280/mo $6,440/mo $8,160/mo $197,100 3
Forest Hills Queens $7,720/mo $9,420/mo $11,930/mo $699,200 3
Glen Cove Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 3
Goshen Orange $7,230/mo $8,820/mo $11,170/mo $361,100 3
Hempstead Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 3
Niagara Falls Niagara $4,390/mo $5,360/mo $6,780/mo $177,400 3
Ossining Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 3
Poughkeepsie Dutchess $7,040/mo $8,590/mo $10,870/mo $368,100 3
Smithtown Suffolk $9,770/mo $11,920/mo $15,100/mo $539,500 3
Valhalla Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 3
White Plains Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 3
Woodbury Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 3
Bath Steuben $4,340/mo $5,290/mo $6,710/mo $128,600 2
Bayside Queens $7,720/mo $9,420/mo $11,930/mo $699,200 2
Beacon Dutchess $7,040/mo $8,590/mo $10,870/mo $368,100 2
Brentwood Suffolk $9,770/mo $11,920/mo $15,100/mo $539,500 2
Catskill Greene $4,910/mo $5,990/mo $7,590/mo $248,300 2
Cortlandt Manor Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 2
Croton On Hudson Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 2
Dunkirk Chautauqua $4,340/mo $5,290/mo $6,710/mo $119,300 2
Elmira Chemung $4,660/mo $5,690/mo $7,210/mo $132,100 2
Endicott Broome $4,340/mo $5,290/mo $6,710/mo $145,100 2
Freeport Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 2
Glens Falls Warren $5,290/mo $6,450/mo $8,180/mo $247,600 2
Gloversville Fulton $4,340/mo $5,290/mo $6,710/mo $156,100 2
Granville Washington $4,880/mo $5,950/mo $7,540/mo $185,000 2
Great Neck Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 2
Greenport Suffolk $9,770/mo $11,920/mo $15,100/mo $539,500 2
Hamburg Erie $4,940/mo $6,030/mo $7,640/mo $217,400 2
Herkimer Herkimer $4,340/mo $5,290/mo $6,710/mo $135,000 2
Highland Ulster $6,060/mo $7,390/mo $9,370/mo $315,100 2
Hollis Queens $7,720/mo $9,420/mo $11,930/mo $699,200 2
Hornell Steuben $4,340/mo $5,290/mo $6,710/mo $128,600 2
Horseheads Chemung $4,660/mo $5,690/mo $7,210/mo $132,100 2
Huntington Suffolk $9,770/mo $11,920/mo $15,100/mo $539,500 2
Jamesville Onondaga $5,130/mo $6,260/mo $7,930/mo $185,300 2
Lake Katrine Ulster $6,060/mo $7,390/mo $9,370/mo $315,100 2
Lancaster Erie $4,940/mo $6,030/mo $7,640/mo $217,400 2
Liberty Sullivan $4,800/mo $5,860/mo $7,410/mo $234,800 2
Lockport Niagara $4,390/mo $5,360/mo $6,780/mo $177,400 2
Massena Saint Lawrence $7,080/mo $8,640/mo $10,940/mo $551,890 2
Medina Orleans $4,340/mo $5,290/mo $6,710/mo $126,200 2
Middle Island Suffolk $9,770/mo $11,920/mo $15,100/mo $539,500 2
Middletown Orange $7,230/mo $8,820/mo $11,170/mo $361,100 2
Mount Vernon Westchester $8,630/mo $10,530/mo $13,330/mo $638,400 2
New Hartford Oneida $4,550/mo $5,550/mo $7,030/mo $171,100 2
New Paltz Ulster $6,060/mo $7,390/mo $9,370/mo $315,100 2
Newark Wayne $4,730/mo $5,770/mo $7,310/mo $163,400 2
North Tonawanda Niagara $4,390/mo $5,360/mo $6,780/mo $177,400 2
Norwich Chenango $4,340/mo $5,290/mo $6,710/mo $128,100 2
Oceanside Nassau $10,230/mo $12,480/mo $15,810/mo $658,700 2
Oneonta Otsego $4,560/mo $5,560/mo $7,050/mo $175,900 2
Orchard Park Erie $4,940/mo $6,030/mo $7,640/mo $217,400 2

New York Senior Care FAQ (2026)

The statewide average for assisted living in New York is $7,080 per month ($84,960 per year), compared to the U.S. national median of $6,200 per month.
In New York, a semi-private room in a CMS-certified nursing home averages $10,940 per month, while a private room averages $12,320 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in New York is $2,901 per month.