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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Home › North Dakota › Garrison, ND

Senior Care & Assisted Living Costs in Garrison, ND

2026 monthly care rates for Garrison (Mclean County), local Census affordability metrics, and 2 CMS-certified care facilities.

Assisted Living🏠
$4,540/mo
$54,480/yr
-27% vs U.S. avg
Memory Care🧠
$5,540/mo
$66,480/yr
-27% vs U.S. avg
In-Home Care🤝
$25.62/hr
$4,880/mo (44h/wk)
-27% vs U.S. avg
Nursing Home (Semi)🏥
$7,010/mo
Private: $7,910/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$4,540/mo
Memory Care$5,540/mo
Home Care$25.62/hr
Nursing Semi$7,010/mo
Nursing Priv$7,910/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $217k
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 Garrison, ND

40.9 hrs/wk Break-even threshold

At Garrison, ND's average caregiver rate of $25.62/hr, hiring in-home care equals the $4,540/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
$2,220/mo

Saves $2,320/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$4,885 vs. $4,540/mo

Full-time home care costs $345/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$8,881/mo

Assisted Living saves $4,341/mo; Memory Care averages $5,540/mo.

Garrison vs. North Dakota & U.S. Averages

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

Garrison, ND$4,540/mo
North Dakota State Average$4,750/mo
U.S. National Median$6,200/mo

Mclean County Economic Context (U.S. Census)

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

Median Household Income $81,847/yr ($6,821/mo)
Median Home Value $233,100
Median Gross Rent $768/mo
North Dakota Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Garrison, ND

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

Benedictine Living Center Of Garrison
609 4Th Ave Ne, Garrison, ND 58540 • 7014632226
52 Certified Beds Non profit - Church related CCN: 355064
4/5 CMS Rating
Garrison Mem Hosp Nsg Fac
407 3Rd Ave Se, Garrison, ND 58540 • 7014632275
26 Certified Beds Non profit - Church related CCN: 355115
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Garrison

The estimated median cost of assisted living in Garrison, ND is $4,540 per month ($54,480 per year), adjusted for Mclean County housing and income data.
A semi-private room in a skilled nursing facility in Garrison averages $7,010 per month, while a private room averages $7,910 per month.
In-home caregiver services in Garrison, ND average $25.62 per hour, or roughly $4,880 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 Dakota is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby North Dakota Cities

Max, ND $4,540/mo Coleharbor, ND $4,540/mo Douglas, ND $5,090/mo Riverdale, ND $4,540/mo Underwood, ND $4,540/mo Stanton, ND $5,210/mo Benedict, ND $4,540/mo Hazen, ND $5,210/mo Ryder, ND $5,090/mo Roseglen, ND $4,540/mo Washburn, ND $4,540/mo Turtle Lake, ND $4,540/mo