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 Ohio

Compare monthly care rates across 1,069 cities and 924 CMS-certified nursing facilities in Ohio.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 924 Avg. Home Value: $183,563
Assisted Living🏠
$4,800/mo
$57,600/year
-23% vs U.S. avg
Memory Care🧠
$5,860/mo
$70,320/year
-22% vs U.S. avg
Home Care (44h/wk)🤝
$5,160/mo
$27.08 per hour
-23% vs U.S. avg
Nursing Home (Semi)🏥
$7,410/mo
Private room: $8,360/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$4,800/mo
Memory Care$5,860/mo
Home Care$27.08/hr
Nursing Semi$7,410/mo
Nursing Priv$8,360/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $171k
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 Ohio

40.9 hrs/wk Break-even threshold

At Ohio's average caregiver rate of $27.08/hr, hiring in-home care equals the $4,800/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
$2,347/mo

Saves $2,453/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,163 vs. $4,800/mo

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

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,387/mo

Assisted Living saves $4,587/mo; Memory Care averages $5,860/mo.

Major Cities in Ohio

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
Cincinnati Clermont $5,310/mo $6,480/mo $8,210/mo $245,600 70
Columbus Delaware $7,790/mo $9,500/mo $12,030/mo $419,500 31
Cleveland Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 19
Dayton Greene $5,510/mo $6,720/mo $8,510/mo $238,000 19
Toledo Lucas $4,340/mo $5,290/mo $6,710/mo $155,200 15
Youngstown Mahoning $4,340/mo $5,290/mo $6,710/mo $141,100 14
Akron Summit $4,830/mo $5,890/mo $7,470/mo $195,700 12
Hamilton Butler $5,410/mo $6,600/mo $8,360/mo $243,000 11
Springfield Clark $4,340/mo $5,290/mo $6,710/mo $155,900 11
Canton $4,800/mo $5,860/mo $7,410/mo $206,217 9
Lima Allen $4,340/mo $5,290/mo $6,710/mo $158,400 7
Medina Medina $5,730/mo $6,990/mo $8,860/mo $268,000 7
Westlake Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 7
Wooster Wayne $4,450/mo $5,430/mo $6,880/mo $204,600 7
Mansfield Richland $4,340/mo $5,290/mo $6,710/mo $154,000 6
Marion Marion $4,340/mo $5,290/mo $6,710/mo $146,200 6
Massillon Stark $4,350/mo $5,310/mo $6,720/mo $177,700 6
Mount Vernon Knox $4,720/mo $5,760/mo $7,300/mo $218,300 6
Perrysburg Wood $4,770/mo $5,820/mo $7,360/mo $214,400 6
Zanesville Muskingum $4,340/mo $5,290/mo $6,710/mo $170,100 6
Alliance Stark $4,350/mo $5,310/mo $6,720/mo $177,700 5
Delaware Delaware $7,790/mo $9,500/mo $12,030/mo $419,500 5
Dublin Franklin $5,550/mo $6,770/mo $8,570/mo $265,700 5
Lancaster Fairfield $5,630/mo $6,870/mo $8,700/mo $272,200 5
Loveland Clermont $5,310/mo $6,480/mo $8,210/mo $245,600 5
Middletown Butler $5,410/mo $6,600/mo $8,360/mo $243,000 5
Newark Licking $5,140/mo $6,270/mo $7,940/mo $250,700 5
Portsmouth Scioto $4,340/mo $5,290/mo $6,710/mo $132,300 5
Salem Columbiana $4,340/mo $5,290/mo $6,710/mo $139,100 5
Sylvania Lucas $4,340/mo $5,290/mo $6,710/mo $155,200 5
Warren Trumbull $4,340/mo $5,290/mo $6,710/mo $128,100 5
Ashland Ashland $4,340/mo $5,290/mo $6,710/mo $175,900 4
Aurora Portage $4,990/mo $6,090/mo $7,710/mo $210,500 4
Avon Lorain $4,600/mo $5,610/mo $7,110/mo $207,200 4
Chillicothe Ross $4,340/mo $5,290/mo $6,710/mo $158,500 4
Circleville Pickaway $4,800/mo $5,860/mo $7,420/mo $235,700 4
Cuyahoga Falls Summit $4,830/mo $5,890/mo $7,470/mo $195,700 4
Dover Tuscarawas $4,340/mo $5,290/mo $6,710/mo $176,800 4
Findlay Hancock $4,600/mo $5,610/mo $7,110/mo $196,500 4
Fremont Sandusky $4,340/mo $5,290/mo $6,710/mo $152,500 4
Greenville Darke $4,340/mo $5,290/mo $6,710/mo $169,100 4
Hilliard Franklin $5,550/mo $6,770/mo $8,570/mo $265,700 4
Lebanon Warren $6,740/mo $8,220/mo $10,410/mo $319,700 4
Lorain Lorain $4,600/mo $5,610/mo $7,110/mo $207,200 4
Louisville Stark $4,350/mo $5,310/mo $6,720/mo $177,700 4
Marietta Washington $4,340/mo $5,290/mo $6,710/mo $174,100 4
Maumee Lucas $4,340/mo $5,290/mo $6,710/mo $155,200 4
Mentor Lake $5,240/mo $6,390/mo $8,100/mo $199,900 4
Oregon Lucas $4,340/mo $5,290/mo $6,710/mo $155,200 4
Sandusky Erie $4,440/mo $5,420/mo $6,860/mo $183,900 4
Sidney Shelby $4,630/mo $5,650/mo $7,160/mo $190,300 4
Steubenville Jefferson $4,340/mo $5,290/mo $6,710/mo $120,600 4
Stow Summit $4,830/mo $5,890/mo $7,470/mo $195,700 4
Tallmadge Summit $4,830/mo $5,890/mo $7,470/mo $195,700 4
Westerville Delaware $7,790/mo $9,500/mo $12,030/mo $419,500 4
Xenia Greene $5,510/mo $6,720/mo $8,510/mo $238,000 4
Ashtabula Ashtabula $4,340/mo $5,290/mo $6,710/mo $149,600 3
Beachwood Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 3
Berea Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 3
Bowling Green Wood $4,770/mo $5,820/mo $7,360/mo $214,400 3
Brunswick Medina $5,730/mo $6,990/mo $8,860/mo $268,000 3
Cambridge Guernsey $4,340/mo $5,290/mo $6,710/mo $154,100 3
Canal Winchester Franklin $5,550/mo $6,770/mo $8,570/mo $265,700 3
Chardon Geauga $5,780/mo $7,050/mo $8,940/mo $305,100 3
Eaton Preble $4,340/mo $5,290/mo $6,710/mo $171,100 3
Englewood Montgomery $4,550/mo $5,550/mo $7,030/mo $167,400 3
Euclid Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 3
Fairborn Greene $5,510/mo $6,720/mo $8,510/mo $238,000 3
Fairfield Butler $5,410/mo $6,600/mo $8,360/mo $243,000 3
Fairlawn Summit $4,830/mo $5,890/mo $7,470/mo $195,700 3
Fostoria Seneca $4,340/mo $5,290/mo $6,710/mo $136,200 3
Geneva Ashtabula $4,340/mo $5,290/mo $6,710/mo $149,600 3
Hillsboro Highland $4,340/mo $5,290/mo $6,710/mo $157,000 3
Hudson Summit $4,830/mo $5,890/mo $7,470/mo $195,700 3
Kent Portage $4,990/mo $6,090/mo $7,710/mo $210,500 3
Lakewood Cuyahoga $4,600/mo $5,610/mo $7,110/mo $183,200 3
Madison Lake $5,240/mo $6,390/mo $8,100/mo $199,900 3
Marysville Union $6,510/mo $7,940/mo $10,050/mo $306,600 3
Mason Warren $6,740/mo $8,220/mo $10,410/mo $319,700 3
Miamisburg Montgomery $4,550/mo $5,550/mo $7,030/mo $167,400 3

Ohio Senior Care FAQ (2026)

The statewide average for assisted living in Ohio is $4,800 per month ($57,600 per year), compared to the U.S. national median of $6,200 per month.
In Ohio, a semi-private room in a CMS-certified nursing home averages $7,410 per month, while a private room averages $8,360 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Ohio is $2,901 per month.