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 Dakota

Compare monthly care rates across 373 cities and 72 CMS-certified nursing facilities in North Dakota.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 72 Avg. Home Value: $180,147
Assisted Living🏠
$4,750/mo
$57,000/year
-23% vs U.S. avg
Memory Care🧠
$5,800/mo
$69,600/year
-23% vs U.S. avg
Home Care (44h/wk)🤝
$5,110/mo
$26.82 per hour
-23% vs U.S. avg
Nursing Home (Semi)🏥
$7,340/mo
Private room: $8,280/mo
-23% 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$4,750/mo
Memory Care$5,800/mo
Home Care$26.82/hr
Nursing Semi$7,340/mo
Nursing Priv$8,280/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $168k
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 Dakota

40.9 hrs/wk Break-even threshold

At North Dakota's average caregiver rate of $26.82/hr, hiring in-home care equals the $4,750/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
$2,324/mo

Saves $2,426/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,113 vs. $4,750/mo

Full-time home care costs $363/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,297/mo

Assisted Living saves $4,547/mo; Memory Care averages $5,800/mo.

Major Cities in North Dakota

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
Fargo Cass $4,770/mo $5,820/mo $7,370/mo $284,700 7
Bismarck Burleigh $5,250/mo $6,400/mo $8,110/mo $314,700 5
Mandan Morton $5,190/mo $6,330/mo $8,020/mo $249,600 3
Dickinson Stark $5,040/mo $6,150/mo $7,790/mo $260,400 2
Garrison Mclean $4,540/mo $5,540/mo $7,010/mo $233,100 2
Grand Forks Grand Forks $4,680/mo $5,710/mo $7,230/mo $244,200 2
Jamestown Stutsman $4,340/mo $5,290/mo $6,710/mo $200,300 2
Lisbon Ransom $4,340/mo $5,290/mo $6,710/mo $174,800 2
Minot Ward $5,090/mo $6,210/mo $7,860/mo $259,100 2
Aneta Nelson $4,340/mo $5,290/mo $6,710/mo $114,500 1
Ashley Mcintosh $4,340/mo $5,290/mo $6,710/mo $80,300 1
Beulah Mercer $5,210/mo $6,360/mo $8,040/mo $196,200 1
Bottineau Bottineau $4,570/mo $5,580/mo $7,070/mo $190,900 1
Cando Towner $4,340/mo $5,290/mo $6,710/mo $122,800 1
Carrington Foster $4,550/mo $5,550/mo $7,040/mo $162,800 1
Cavalier Pembina $4,340/mo $5,290/mo $6,710/mo $116,600 1
Cooperstown Griggs $4,340/mo $5,290/mo $6,710/mo $128,200 1
Devils Lake Ramsey $4,340/mo $5,290/mo $6,710/mo $197,400 1
Dunseith Rolette $4,340/mo $5,290/mo $6,710/mo $93,000 1
Ellendale Dickey $4,340/mo $5,290/mo $6,710/mo $167,100 1
Enderlin Ransom $4,340/mo $5,290/mo $6,710/mo $174,800 1
Forman Sargent $4,590/mo $5,600/mo $7,100/mo $149,600 1
Glen Ullin Morton $5,190/mo $6,330/mo $8,020/mo $249,600 1
Grafton Walsh $4,340/mo $5,290/mo $6,710/mo $125,700 1
Hankinson Richland $4,340/mo $5,290/mo $6,710/mo $177,600 1
Harvey Wells $4,340/mo $5,290/mo $6,710/mo $106,400 1
Hatton Traill $4,710/mo $5,750/mo $7,270/mo $193,200 1
Hettinger Adams $4,340/mo $5,290/mo $6,710/mo $108,300 1
Hillsboro Traill $4,710/mo $5,750/mo $7,270/mo $193,200 1
Killdeer Dunn $5,390/mo $6,580/mo $8,330/mo $244,000 1
Lakota Nelson $4,340/mo $5,290/mo $6,710/mo $114,500 1
Lamoure Lamoure $4,340/mo $5,290/mo $6,710/mo $118,000 1
Langdon Cavalier $4,340/mo $5,290/mo $6,710/mo $122,300 1
Larimore Grand Forks $4,680/mo $5,710/mo $7,230/mo $244,200 1
Mayville Traill $4,710/mo $5,750/mo $7,270/mo $193,200 1
Mcville Nelson $4,340/mo $5,290/mo $6,710/mo $114,500 1
Napoleon Logan $4,340/mo $5,290/mo $6,710/mo $101,800 1
New Rockford Eddy $4,340/mo $5,290/mo $6,710/mo $115,500 1
New Salem Morton $5,190/mo $6,330/mo $8,020/mo $249,600 1
Oakes Dickey $4,340/mo $5,290/mo $6,710/mo $167,100 1
Park River Walsh $4,340/mo $5,290/mo $6,710/mo $125,700 1
Richardton Stark $5,040/mo $6,150/mo $7,790/mo $260,400 1
Rolette Rolette $4,340/mo $5,290/mo $6,710/mo $93,000 1
Stanley Mountrail $4,780/mo $5,830/mo $7,390/mo $222,200 1
Strasburg Emmons $4,340/mo $5,290/mo $6,710/mo $112,400 1
Tioga Williams $5,710/mo $6,970/mo $8,820/mo $267,800 1
Valley City Barnes $4,340/mo $5,290/mo $6,710/mo $168,100 1
Velva Mchenry $4,420/mo $5,390/mo $6,830/mo $143,200 1
Wahpeton Richland $4,340/mo $5,290/mo $6,710/mo $177,600 1
Walhalla Pembina $4,340/mo $5,290/mo $6,710/mo $116,600 1
Watford City Mckenzie $5,770/mo $7,040/mo $8,920/mo $357,300 1
West Fargo Cass $4,770/mo $5,820/mo $7,370/mo $284,700 1
Williston Williams $5,710/mo $6,970/mo $8,820/mo $267,800 1
Wishek Mcintosh $4,340/mo $5,290/mo $6,710/mo $80,300 1
Abercrombie Richland $4,340/mo $5,290/mo $6,710/mo $177,600 0
Absaraka Cass $4,770/mo $5,820/mo $7,370/mo $284,700 0
Adams Walsh $4,340/mo $5,290/mo $6,710/mo $125,700 0
Agate Rolette $4,340/mo $5,290/mo $6,710/mo $93,000 0
Alamo Williams $5,710/mo $6,970/mo $8,820/mo $267,800 0
Alexander Mckenzie $5,770/mo $7,040/mo $8,920/mo $357,300 0
Almont Morton $5,190/mo $6,330/mo $8,020/mo $249,600 0
Alsen Cavalier $4,340/mo $5,290/mo $6,710/mo $122,300 0
Ambrose Divide $5,560/mo $6,780/mo $8,590/mo $173,100 0
Amenia Cass $4,770/mo $5,820/mo $7,370/mo $284,700 0
Amidon Slope $4,340/mo $5,290/mo $6,710/mo $121,300 0
Anamoose Mchenry $4,420/mo $5,390/mo $6,830/mo $143,200 0
Antler Bottineau $4,570/mo $5,580/mo $7,070/mo $190,900 0
Argusville Cass $4,770/mo $5,820/mo $7,370/mo $284,700 0
Arnegard Mckenzie $5,770/mo $7,040/mo $8,920/mo $357,300 0
Arthur Cass $4,770/mo $5,820/mo $7,370/mo $284,700 0
Arvilla Grand Forks $4,680/mo $5,710/mo $7,230/mo $244,200 0
Ayr Cass $4,770/mo $5,820/mo $7,370/mo $284,700 0
Baldwin Burleigh $5,250/mo $6,400/mo $8,110/mo $314,700 0
Balfour Mchenry $4,420/mo $5,390/mo $6,830/mo $143,200 0
Balta Pierce $4,340/mo $5,290/mo $6,710/mo $143,400 0
Bantry Mchenry $4,420/mo $5,390/mo $6,830/mo $143,200 0
Barney Richland $4,340/mo $5,290/mo $6,710/mo $177,600 0
Bathgate Pembina $4,340/mo $5,290/mo $6,710/mo $116,600 0
Beach Golden Valley $4,620/mo $5,640/mo $7,130/mo $119,200 0
Belcourt Rolette $4,340/mo $5,290/mo $6,710/mo $93,000 0

North Dakota Senior Care FAQ (2026)

The statewide average for assisted living in North Dakota is $4,750 per month ($57,000 per year), compared to the U.S. national median of $6,200 per month.
In North Dakota, a semi-private room in a CMS-certified nursing home averages $7,340 per month, while a private room averages $8,280 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in North Dakota is $2,901 per month.