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 Oklahoma

Compare monthly care rates across 585 cities and 283 CMS-certified nursing facilities in Oklahoma.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 283 Avg. Home Value: $144,300
Assisted Living🏠
$4,650/mo
$55,800/year
-25% vs U.S. avg
Memory Care🧠
$5,670/mo
$68,040/year
-25% vs U.S. avg
Home Care (44h/wk)🤝
$5,000/mo
$26.25 per hour
-25% vs U.S. avg
Nursing Home (Semi)🏥
$7,190/mo
Private room: $8,100/mo
-25% 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$4,650/mo
Memory Care$5,670/mo
Home Care$26.25/hr
Nursing Semi$7,190/mo
Nursing Priv$8,100/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $134k
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 Oklahoma

40.9 hrs/wk Break-even threshold

At Oklahoma's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/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
$2,275/mo

Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,005 vs. $4,650/mo

Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,099/mo

Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.

Major Cities in Oklahoma

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
Oklahoma City Cleveland $5,290/mo $6,450/mo $8,170/mo $222,800 28
Tulsa Creek $4,340/mo $5,290/mo $6,710/mo $170,900 20
Broken Arrow Tulsa $4,890/mo $5,970/mo $7,550/mo $213,500 7
Muskogee Muskogee $4,340/mo $5,290/mo $6,710/mo $138,800 7
Enid Garfield $4,500/mo $5,490/mo $6,950/mo $149,800 6
Mcalester Pittsburg $4,340/mo $5,290/mo $6,710/mo $146,300 5
Norman Cleveland $5,290/mo $6,450/mo $8,170/mo $222,800 5
Chickasha Grady $4,640/mo $5,660/mo $7,170/mo $187,900 4
Lawton Comanche $4,340/mo $5,290/mo $6,710/mo $154,300 4
Shawnee Pottawatomie $4,340/mo $5,290/mo $6,710/mo $155,700 4
Ada Pontotoc $4,340/mo $5,290/mo $6,710/mo $170,500 3
Ardmore Carter $4,340/mo $5,290/mo $6,710/mo $153,500 3
Bartlesville Washington $4,340/mo $5,290/mo $6,710/mo $160,900 3
Claremore Rogers $5,090/mo $6,210/mo $7,860/mo $222,200 3
Durant Bryan $4,340/mo $5,290/mo $6,710/mo $163,700 3
Edmond Oklahoma $4,860/mo $5,930/mo $7,510/mo $207,800 3
Grove Delaware $4,340/mo $5,290/mo $6,710/mo $164,900 3
Owasso Tulsa $4,890/mo $5,970/mo $7,550/mo $213,500 3
Ponca City Kay $4,340/mo $5,290/mo $6,710/mo $116,800 3
Sapulpa Creek $4,340/mo $5,290/mo $6,710/mo $170,900 3
Tahlequah Cherokee $4,340/mo $5,290/mo $6,710/mo $160,300 3
Yukon Canadian $5,830/mo $7,110/mo $9,010/mo $230,300 3
Altus Jackson $4,340/mo $5,290/mo $6,710/mo $145,000 2
Alva Woods $4,340/mo $5,290/mo $6,710/mo $141,900 2
Antlers Pushmataha $4,340/mo $5,290/mo $6,710/mo $116,800 2
Bethany Oklahoma $4,860/mo $5,930/mo $7,510/mo $207,800 2
Clinton Custer $4,340/mo $5,290/mo $6,710/mo $177,000 2
Dewey Washington $4,340/mo $5,290/mo $6,710/mo $160,900 2
Duncan Stephens $4,340/mo $5,290/mo $6,710/mo $135,100 2
El Reno Canadian $5,830/mo $7,110/mo $9,010/mo $230,300 2
Elk City Beckham $4,340/mo $5,290/mo $6,710/mo $153,400 2
Eufaula Mcintosh $4,340/mo $5,290/mo $6,710/mo $135,800 2
Guthrie Logan $4,910/mo $5,990/mo $7,580/mo $234,300 2
Harrah Oklahoma $4,860/mo $5,930/mo $7,510/mo $207,800 2
Henryetta Okmulgee $4,340/mo $5,290/mo $6,710/mo $114,600 2
Holdenville Hughes $4,340/mo $5,290/mo $6,710/mo $94,900 2
Hugo Choctaw $4,340/mo $5,290/mo $6,710/mo $119,700 2
Idabel Mccurtain $4,340/mo $5,290/mo $6,710/mo $126,100 2
Kingfisher Kingfisher $4,600/mo $5,610/mo $7,100/mo $206,400 2
Lexington Cleveland $5,290/mo $6,450/mo $8,170/mo $222,800 2
Marlow Stephens $4,340/mo $5,290/mo $6,710/mo $135,100 2
Miami Ottawa $4,340/mo $5,290/mo $6,710/mo $114,300 2
Nowata Nowata $4,340/mo $5,290/mo $6,710/mo $121,900 2
Okemah Okfuskee $4,340/mo $5,290/mo $6,710/mo $110,800 2
Okmulgee Okmulgee $4,340/mo $5,290/mo $6,710/mo $114,600 2
Pauls Valley Garvin $4,340/mo $5,290/mo $6,710/mo $132,600 2
Pryor Mayes $4,340/mo $5,290/mo $6,710/mo $171,900 2
Purcell Mcclain $5,160/mo $6,300/mo $7,970/mo $233,900 2
Seminole Seminole $4,340/mo $5,290/mo $6,710/mo $91,200 2
Stillwater Payne $4,340/mo $5,290/mo $6,710/mo $217,700 2
Sulphur Murray $4,340/mo $5,290/mo $6,710/mo $154,900 2
Wewoka Seminole $4,340/mo $5,290/mo $6,710/mo $91,200 2
Wilburton Latimer $4,340/mo $5,290/mo $6,710/mo $103,300 2
Anadarko Caddo $4,340/mo $5,290/mo $6,710/mo $109,900 1
Arkoma Le Flore $4,340/mo $5,290/mo $6,710/mo $121,600 1
Barnsdall Osage $4,340/mo $5,290/mo $6,710/mo $172,300 1
Beaver Beaver $4,340/mo $5,290/mo $6,710/mo $117,900 1
Binger Caddo $4,340/mo $5,290/mo $6,710/mo $109,900 1
Blackwell Kay $4,340/mo $5,290/mo $6,710/mo $116,800 1
Blanchard Mcclain $5,160/mo $6,300/mo $7,970/mo $233,900 1
Bristow Creek $4,340/mo $5,290/mo $6,710/mo $170,900 1
Broken Bow Mccurtain $4,340/mo $5,290/mo $6,710/mo $126,100 1
Buffalo Harper $4,340/mo $5,290/mo $6,710/mo $99,300 1
Calera Bryan $4,340/mo $5,290/mo $6,710/mo $163,700 1
Carnegie Caddo $4,340/mo $5,290/mo $6,710/mo $109,900 1
Catoosa Rogers $5,090/mo $6,210/mo $7,860/mo $222,200 1
Chandler Lincoln $4,340/mo $5,290/mo $6,710/mo $152,000 1
Checotah Mcintosh $4,340/mo $5,290/mo $6,710/mo $135,800 1
Chouteau Mayes $4,340/mo $5,290/mo $6,710/mo $171,900 1
Cleveland Pawnee $4,340/mo $5,290/mo $6,710/mo $125,700 1
Coalgate Coal $4,340/mo $5,290/mo $6,710/mo $92,500 1
Colbert Bryan $4,340/mo $5,290/mo $6,710/mo $163,700 1
Colcord Delaware $4,340/mo $5,290/mo $6,710/mo $164,900 1
Collinsville Tulsa $4,890/mo $5,970/mo $7,550/mo $213,500 1
Comanche Stephens $4,340/mo $5,290/mo $6,710/mo $135,100 1
Commerce Ottawa $4,340/mo $5,290/mo $6,710/mo $114,300 1
Cordell Washita $4,340/mo $5,290/mo $6,710/mo $113,300 1
Corn Washita $4,340/mo $5,290/mo $6,710/mo $113,300 1
Coweta Wagoner $5,200/mo $6,340/mo $8,030/mo $216,000 1
Cushing Payne $4,340/mo $5,290/mo $6,710/mo $217,700 1

Oklahoma Senior Care FAQ (2026)

The statewide average for assisted living in Oklahoma is $4,650 per month ($55,800 per year), compared to the U.S. national median of $6,200 per month.
In Oklahoma, a semi-private room in a CMS-certified nursing home averages $7,190 per month, while a private room averages $8,100 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Oklahoma is $2,901 per month.