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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Senior Care & Assisted Living Costs in Franklin, OH

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

Assisted Living🏠
$6,740/mo
$80,880/yr
+9% vs U.S. avg
Memory Care🧠
$8,220/mo
$98,640/yr
+9% vs U.S. avg
In-Home Care🤝
$38.03/hr
$7,250/mo (44h/wk)
+9% vs U.S. avg
Nursing Home (Semi)🏥
$10,410/mo
Private: $11,730/mo
+9% 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$6,740/mo
Memory Care$8,220/mo
Home Care$38.03/hr
Nursing Semi$10,410/mo
Nursing Priv$11,730/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $297k
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 Franklin, OH

40.9 hrs/wk Break-even threshold

At Franklin, OH's average caregiver rate of $38.03/hr, hiring in-home care equals the $6,740/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
$3,296/mo

Saves $3,444/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,250 vs. $6,740/mo

Full-time home care costs $510/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,183/mo

Assisted Living saves $6,443/mo; Memory Care averages $8,220/mo.

Franklin vs. Ohio & U.S. Averages

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

Franklin, OH$6,740/mo
Ohio State Average$4,800/mo
U.S. National Median$6,200/mo

Warren County Economic Context (U.S. Census)

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

Median Household Income $107,843/yr ($8,987/mo)
Median Home Value $319,700
Median Gross Rent $1,293/mo
Ohio Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Franklin, OH

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

Otterbein Middletown
105 Atrium Drive, Franklin, OH 45005 • 5137274590
60 Certified Beds Non profit - Church related CCN: 366376
4/5 CMS Rating
Momentous Health At Franklin
421 Mission Lane, Franklin, OH 45005 • 9377463943
79 Certified Beds For profit - Individual CCN: 365595
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Franklin

The estimated median cost of assisted living in Franklin, OH is $6,740 per month ($80,880 per year), adjusted for Warren County housing and income data.
A semi-private room in a skilled nursing facility in Franklin averages $10,410 per month, while a private room averages $11,730 per month.
In-home caregiver services in Franklin, OH average $38.03 per hour, or roughly $7,250 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Ohio is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Ohio Cities

Springboro, OH $6,740/mo Middletown, OH $5,410/mo Miamisburg, OH $4,550/mo Germantown, OH $4,550/mo Monroe, OH $5,410/mo Lebanon, OH $6,740/mo Trenton, OH $5,410/mo Farmersville, OH $4,550/mo South Lebanon, OH $6,740/mo Kings Mills, OH $6,740/mo Spring Valley, OH $5,510/mo New Lebanon, OH $4,550/mo