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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Senior Care & Assisted Living Costs in Rome, NY

2026 monthly care rates for Rome (Oneida County), local Census affordability metrics, and 5 CMS-certified care facilities.

Assisted Living🏠
$4,550/mo
$54,600/yr
-27% vs U.S. avg
Memory Care🧠
$5,550/mo
$66,600/yr
-27% vs U.S. avg
In-Home Care🤝
$25.67/hr
$4,890/mo (44h/wk)
-27% vs U.S. avg
Nursing Home (Semi)🏥
$7,030/mo
Private: $7,920/mo
-27% 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$4,550/mo
Memory Care$5,550/mo
Home Care$25.67/hr
Nursing Semi$7,030/mo
Nursing Priv$7,920/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $159k
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 Rome, NY

40.9 hrs/wk Break-even threshold

At Rome, NY's average caregiver rate of $25.67/hr, hiring in-home care equals the $4,550/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
$2,225/mo

Saves $2,325/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$4,894 vs. $4,550/mo

Full-time home care costs $344/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$8,898/mo

Assisted Living saves $4,348/mo; Memory Care averages $5,550/mo.

Rome vs. New York & U.S. Averages

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

Rome, NY$4,550/mo
New York State Average$7,080/mo
U.S. National Median$6,200/mo

Oneida County Economic Context (U.S. Census)

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

Median Household Income $68,819/yr ($5,735/mo)
Median Home Value $171,100
Median Gross Rent $917/mo
New York Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Rome, NY

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

Bethany Gardens Skilled Living Center
800 West Chestnut Street, Rome, NY 13440 • 3153393210
100 Certified Beds For profit - Limited Liability company CCN: 335732
4/5 CMS Rating
Rome Memorial Hospital, Inc - R H C F
1500 North James Street, Rome, NY 13440 • 3153387318
80 Certified Beds Non profit - Other CCN: 335563
4/5 CMS Rating
Betsy Ross Rehabilitation Center, Inc
1 Elsie Street, Rome, NY 13440 • 3153392220
120 Certified Beds For profit - Corporation CCN: 335727
3/5 CMS Rating
The Grand Rehabilitation And Nursing At Rome
801 North James Street, Rome, NY 13440 • 3153370550
160 Certified Beds For profit - Individual CCN: 335589
1/5 CMS Rating
Colonial Park Rehabilitation And Nursing Center
950 Floyd Avenue, Rome, NY 13440 • 3153365400
80 Certified Beds For profit - Partnership CCN: 335233
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Rome

The estimated median cost of assisted living in Rome, NY is $4,550 per month ($54,600 per year), adjusted for Oneida County housing and income data.
A semi-private room in a skilled nursing facility in Rome averages $7,030 per month, while a private room averages $7,920 per month.
In-home caregiver services in Rome, NY average $25.67 per hour, or roughly $4,890 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 York is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby New York Cities

Lee Center, NY $4,550/mo Westmoreland, NY $4,550/mo Ava, NY $4,550/mo Oriskany, NY $4,550/mo Verona, NY $4,550/mo Clark Mills, NY $4,550/mo Stittville, NY $4,550/mo Vernon, NY $4,550/mo Westernville, NY $4,550/mo Whitesboro, NY $4,550/mo Clinton, NY $4,550/mo Marcy, NY $4,550/mo