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
🔍
Home › North Carolina › Concord, NC

Senior Care & Assisted Living Costs in Concord, NC

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

Assisted Living🏠
$6,110/mo
$73,320/yr
≈ U.S. average
Memory Care🧠
$7,450/mo
$89,400/yr
≈ U.S. average
In-Home Care🤝
$34.48/hr
$6,570/mo (44h/wk)
≈ U.S. average
Nursing Home (Semi)🏥
$9,440/mo
Private: $10,640/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$6,110/mo
Memory Care$7,450/mo
Home Care$34.48/hr
Nursing Semi$9,440/mo
Nursing Priv$10,640/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $296k
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 Concord, NC

40.9 hrs/wk Break-even threshold

At Concord, NC's average caregiver rate of $34.48/hr, hiring in-home care equals the $6,110/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
$2,988/mo

Saves $3,122/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,574 vs. $6,110/mo

Full-time home care costs $464/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,952/mo

Assisted Living saves $5,842/mo; Memory Care averages $7,450/mo.

Concord vs. North Carolina & U.S. Averages

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

Concord, NC$6,110/mo
North Carolina State Average$5,250/mo
U.S. National Median$6,200/mo

Cabarrus County Economic Context (U.S. Census)

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

Median Household Income $86,084/yr ($7,174/mo)
Median Home Value $318,600
Median Gross Rent $1,303/mo
North Carolina Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Concord, NC

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

The Greens At Cabarrus
250 Bishop Lane, Concord, NC 28025 • 7047886400
90 Certified Beds For profit - Corporation CCN: 345362
5/5 CMS Rating
The Gardens Of Taylor Glen Retirement Community
3700 Taylor Glen Lane, Concord, NC 28027 • 7047886510
8 Certified Beds Non profit - Corporation CCN: 345525
4/5 CMS Rating
Five Oaks Rehabilitation And Care Center
413 Winecoff School Road, Concord, NC 28027 • 7047882131
160 Certified Beds For profit - Limited Liability company CCN: 345186
2/5 CMS Rating
Copperfield Health & Rehabilitation
515 Lake Concord Road Ne, Concord, NC 28025 • 7047844494
120 Certified Beds For profit - Corporation CCN: 345130
1/5 CMS Rating
Cabarrus Health And Rehabilitation Center
430 Brookwood Avenue Ne, Concord, NC 28025 • 7047884115
120 Certified Beds For profit - Limited Liability company CCN: 345183
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Concord

The estimated median cost of assisted living in Concord, NC is $6,110 per month ($73,320 per year), adjusted for Cabarrus County housing and income data.
A semi-private room in a skilled nursing facility in Concord averages $9,440 per month, while a private room averages $10,640 per month.
In-home caregiver services in Concord, NC average $34.48 per hour, or roughly $6,570 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in North Carolina is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby North Carolina Cities

Mount Pleasant, NC $6,110/mo Midland, NC $6,110/mo Harrisburg, NC $6,110/mo Locust, NC $4,340/mo Kannapolis, NC $6,110/mo Stanfield, NC $4,340/mo Landis, NC $4,570/mo China Grove, NC $4,570/mo Rockwell, NC $4,570/mo Newell, NC $6,620/mo Faith, NC $4,570/mo Oakboro, NC $4,340/mo