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 North Carolina

Compare monthly care rates across 762 cities and 419 CMS-certified nursing facilities in North Carolina.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 419 Avg. Home Value: $221,100
Assisted Living🏠
$5,250/mo
$63,000/year
-15% vs U.S. avg
Memory Care🧠
$6,400/mo
$76,800/year
-15% vs U.S. avg
Home Care (44h/wk)🤝
$5,650/mo
$29.66 per hour
-15% vs U.S. avg
Nursing Home (Semi)🏥
$8,120/mo
Private room: $9,150/mo
-15% 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$5,250/mo
Memory Care$6,400/mo
Home Care$29.66/hr
Nursing Semi$8,120/mo
Nursing Priv$9,150/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $206k
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 North Carolina

40.9 hrs/wk Break-even threshold

At North Carolina's average caregiver rate of $29.66/hr, hiring in-home care equals the $5,250/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
$2,570/mo

Saves $2,680/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,655 vs. $5,250/mo

Full-time home care costs $405/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,281/mo

Assisted Living saves $5,031/mo; Memory Care averages $6,400/mo.

Major Cities in North Carolina

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
Charlotte Mecklenburg $6,620/mo $8,080/mo $10,240/mo $371,200 20
Raleigh Wake $7,130/mo $8,700/mo $11,020/mo $422,800 12
Durham Durham $6,210/mo $7,580/mo $9,600/mo $351,700 11
Greensboro Caswell $4,340/mo $5,290/mo $6,710/mo $151,200 11
Wilmington New Hanover $5,820/mo $7,100/mo $8,990/mo $353,700 11
Asheville Buncombe $5,580/mo $6,810/mo $8,620/mo $360,000 10
Fayetteville Cumberland $4,890/mo $5,970/mo $7,550/mo $183,700 8
Gastonia Gaston $4,900/mo $5,980/mo $7,570/mo $235,000 7
Salisbury Rowan $4,570/mo $5,580/mo $7,070/mo $216,100 7
Hendersonville Henderson $5,060/mo $6,170/mo $7,820/mo $317,800 6
Burlington Alamance $4,660/mo $5,690/mo $7,200/mo $221,200 5
Concord Cabarrus $6,110/mo $7,450/mo $9,440/mo $318,600 5
Lumberton Robeson $4,340/mo $5,290/mo $6,710/mo $88,600 5
Wilson Wilson $4,340/mo $5,290/mo $6,710/mo $171,800 5
Albemarle Stanly $4,340/mo $5,290/mo $6,710/mo $214,300 4
Black Mountain Buncombe $5,580/mo $6,810/mo $8,620/mo $360,000 4
Chapel Hill Orange $6,410/mo $7,820/mo $9,900/mo $428,500 4
Greenville Pitt $4,390/mo $5,360/mo $6,790/mo $194,300 4
Hickory Catawba $4,350/mo $5,310/mo $6,720/mo $218,100 4
Lexington Davidson $4,340/mo $5,290/mo $6,710/mo $200,100 4
Monroe Union $6,740/mo $8,220/mo $10,410/mo $374,400 4
New Bern Craven $4,910/mo $5,990/mo $7,590/mo $206,200 4
Pinehurst Moore $5,680/mo $6,930/mo $8,780/mo $315,300 4
Asheboro Randolph $4,340/mo $5,290/mo $6,710/mo $171,600 3
Brevard Transylvania $4,400/mo $5,370/mo $6,790/mo $336,100 3
Goldsboro Wayne $4,340/mo $5,290/mo $6,710/mo $162,700 3
Henderson Vance $4,340/mo $5,290/mo $6,710/mo $146,300 3
High Point Guilford $4,980/mo $6,080/mo $7,690/mo $234,900 3
Huntersville Mecklenburg $6,620/mo $8,080/mo $10,240/mo $371,200 3
Kernersville Forsyth $4,800/mo $5,860/mo $7,410/mo $227,800 3
Kinston Lenoir $4,340/mo $5,290/mo $6,710/mo $111,400 3
Lenoir Caldwell $4,340/mo $5,290/mo $6,710/mo $174,000 3
Lincolnton Lincoln $5,000/mo $6,100/mo $7,730/mo $279,500 3
Matthews Mecklenburg $6,620/mo $8,080/mo $10,240/mo $371,200 3
Morganton Burke $4,340/mo $5,290/mo $6,710/mo $170,500 3
Mount Airy Surry $4,340/mo $5,290/mo $6,710/mo $166,400 3
Rocky Mount Edgecombe $4,340/mo $5,290/mo $6,710/mo $116,800 3
Rutherfordton Rutherford $4,340/mo $5,290/mo $6,710/mo $180,800 3
Sanford Lee $4,490/mo $5,480/mo $6,950/mo $213,800 3
Statesville Iredell $5,560/mo $6,780/mo $8,590/mo $292,300 3
Thomasville Davidson $4,340/mo $5,290/mo $6,710/mo $200,100 3
Waynesville Haywood $4,670/mo $5,700/mo $7,220/mo $254,900 3
Winston Salem Forsyth $4,800/mo $5,860/mo $7,410/mo $227,800 3
Cary Wake $7,130/mo $8,700/mo $11,020/mo $422,800 2
Cherryville Gaston $4,900/mo $5,980/mo $7,570/mo $235,000 2
Clayton Johnston $5,120/mo $6,250/mo $7,920/mo $267,600 2
Clemmons Forsyth $4,800/mo $5,860/mo $7,410/mo $227,800 2
Clinton Sampson $4,340/mo $5,290/mo $6,710/mo $128,400 2
Dunn Harnett $4,990/mo $6,090/mo $7,710/mo $220,700 2
Eden Rockingham $4,340/mo $5,290/mo $6,710/mo $156,000 2
Elizabeth City Pasquotank $5,020/mo $6,120/mo $7,750/mo $223,300 2
Elizabethtown Bladen $4,340/mo $5,290/mo $6,710/mo $125,800 2
Elkin Surry $4,340/mo $5,290/mo $6,710/mo $166,400 2
Garner Wake $7,130/mo $8,700/mo $11,020/mo $422,800 2
Jacksonville Onslow $5,180/mo $6,320/mo $8,000/mo $219,500 2
Jamestown Guilford $4,980/mo $6,080/mo $7,690/mo $234,900 2
Kannapolis Cabarrus $6,110/mo $7,450/mo $9,440/mo $318,600 2
King Stokes $4,340/mo $5,290/mo $6,710/mo $186,800 2
Laurinburg Scotland $4,340/mo $5,290/mo $6,710/mo $109,900 2
Lillington Harnett $4,990/mo $6,090/mo $7,710/mo $220,700 2
Louisburg Franklin $4,820/mo $5,880/mo $7,440/mo $240,900 2
Mooresville Iredell $5,560/mo $6,780/mo $8,590/mo $292,300 2
Morehead City Carteret $4,980/mo $6,080/mo $7,700/mo $304,200 2
North Wilkesboro Wilkes $4,340/mo $5,290/mo $6,710/mo $161,400 2
Oxford Granville $4,860/mo $5,930/mo $7,510/mo $235,700 2
Pittsboro Chatham $5,540/mo $6,760/mo $8,570/mo $397,800 2
Reidsville Rockingham $4,340/mo $5,290/mo $6,710/mo $156,000 2
Roxboro Person $4,340/mo $5,290/mo $6,710/mo $192,800 2
Scotland Neck Halifax $4,340/mo $5,290/mo $6,710/mo $102,500 2
Shelby Cleveland $4,340/mo $5,290/mo $6,710/mo $180,200 2
Smithfield Johnston $5,120/mo $6,250/mo $7,920/mo $267,600 2
Sylva Jackson $4,340/mo $5,290/mo $6,710/mo $253,900 2
Tarboro Edgecombe $4,340/mo $5,290/mo $6,710/mo $116,800 2
Wadesboro Anson $4,340/mo $5,290/mo $6,710/mo $119,300 2
Washington Beaufort $4,340/mo $5,290/mo $6,710/mo $181,200 2
Whiteville Columbus $4,340/mo $5,290/mo $6,710/mo $128,300 2
Wilkesboro Wilkes $4,340/mo $5,290/mo $6,710/mo $161,400 2
Windsor Bertie $4,340/mo $5,290/mo $6,710/mo $95,800 2
Yadkinville Yadkin $4,340/mo $5,290/mo $6,710/mo $176,400 2
Aberdeen Moore $5,680/mo $6,930/mo $8,780/mo $315,300 1

North Carolina Senior Care FAQ (2026)

The statewide average for assisted living in North Carolina is $5,250 per month ($63,000 per year), compared to the U.S. national median of $6,200 per month.
In North Carolina, a semi-private room in a CMS-certified nursing home averages $8,120 per month, while a private room averages $9,150 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in North Carolina is $2,901 per month.